How to make an older home more energy efficient


With the cost of comfort rising due to poor federal policies and the rise in artificial intelligence data centers, making your home more energy efficient is a priority for saving money and staying warm as utility costs rise.

Photo: John Cheathem/PEXELS

Energy loss often begins with small, unnoticed gaps in walls, ceilings, and foundations. Homeowners who want to lower their bills, often look for energy efficiency upgrades to reduce the cost to stay comfortable indoors. Here's tips to spend less on your heating and cooling bills.


SNS - Many homeowners want to make an older home more energy efficient without losing its original character. Older houses often waste energy through worn materials, outdated systems, and hidden air leaks. These weaknesses affect comfort and raise monthly expenses throughout the year. Drafty rooms, uneven temperatures, and rising bills often signal deeper efficiency problems. Understanding these issues creates a strong foundation for meaningful improvements. With clear planning, even historic homes can reach modern efficiency standards.

Finding the Right Professional Support

Before starting any upgrades, focus on more energy-efficient planning and find the ideal contractor. An experienced professional understands how older structures behave over time and how materials age. They know how to inspect wiring, insulation, and ventilation without damaging original features. A qualified contractor also explains which upgrades offer the best return. Their guidance helps align renovation goals with realistic budgets and timelines. Strong communication reduces misunderstandings and improves project outcomes.

Preparing Your Home Before Work Begins

Successful upgrades depend on preparation, especially when aiming for energy-efficient results. That includes clearing work zones to protect valuables and improve safety for technicians. Organized spaces allow workers to access walls, ceilings, and mechanical systems easily. Proper preparation also prevents accidental damage during construction. When the home is ready, projects move faster and more smoothly.

For homeowners relocating into an older property ahead of planned improvements, preparation often begins with preparing fragile furniture before your movers pick it up, especially when antique pieces, aged wood, or delicate finishes are involved. A smart approach means taking time to identify all fragile furniture items, cleaning each piece before you pack to avoid trapped debris, disassembling items when possible to reduce strain on joints, and using the right packing materials to protect surfaces that may already show wear. Handling these steps early helps you make sure everything's ready while renovations move forward, allowing your attention to stay on energy-efficiency upgrades rather than preventable repairs.

Understanding Where Energy Is Lost

Energy loss often begins with small, unnoticed gaps in walls, ceilings, and foundations. These openings allow heat to escape in winter and enter in summer. As a result, heating and cooling systems must work harder every day. Over time, this constant strain increases wear and energy costs. Thermal imaging and professional inspections can reveal hidden leaks. Locating these weak points helps guide improvement priorities and budget planning.

Make an Older Home More Energy Efficient: Reducing Monthly Utility Expenses

Many homeowners pursue energy efficiency upgrades to reduce their home's monthly bills over time. High energy use often reflects poor insulation, aging equipment, and uncontrolled air leaks. Small improvements like sealing gaps and upgrading lighting can lead to measurable savings within months. As waste decreases, heating and cooling systems operate more efficiently and last longer. These steady reductions in energy use create room for future home investments. Gradual improvements prevent financial strain while delivering consistent, long-term results.

Improving Wall and Attic Insulation

Insulation forms the backbone of energy performance in older homes. Thin or deteriorated materials allow temperature fluctuations throughout the day. Warm air escapes upward, while cold air enters through gaps. Modern insulation stabilizes indoor conditions throughout the year. Better thermal control also reduces strain on mechanical systems. Proper installation ensures long-term durability and comfort.

Upgrading Windows and Sealing Frames

Older windows often lack proper sealing and thermal protection. Drafts around frames create steady energy loss in every season. Condensation may also form on glass surfaces, leading to moisture issues. Installing modern units or sealing existing ones improves indoor stability. Quality caulking and weather stripping enhance performance. These changes also reduce outside noise and improve overall comfort.

Maintaining Heating and Cooling Systems

Heating and cooling systems consume a large share of household energy. Aging equipment loses efficiency through wear and outdated technology. Dust buildup, blocked vents, and worn parts reduce airflow. Routine servicing improves performance and reliability. Upgrading to efficient models further strengthens long-term savings. Well-maintained systems also last longer and break down less often.


Photo: Mikael Blomkvist/PEXELS

Preventing Long-Term Structural and Financial Damage

Ignoring repairs makes it harder to make an older home more energy efficient and increases the long-term costs of overlooking them. Water intrusion weakens insulation and framing over time. Cracks expand as moisture spreads through walls and floors. Mold growth further reduces indoor air quality. Delayed maintenance increases repair expenses. Early action protects both energy systems and structural integrity.

Improving Roof Performance and Ventilation

Roofs absorb heat and influence indoor temperatures year-round. Poor ventilation traps warm air in attic spaces. This buildup increases cooling demands during warmer months. Moisture can also collect under roofing materials. Balanced airflow protects insulation and wood framing. Proper roof performance extends the lifespan of the entire structure.

Modernizing Lighting Systems

Outdated lighting wastes electricity and produces excess heat. Incandescent bulbs convert most energy into warmth instead of light. LED bulbs consume less power and last longer. Improved lighting reduces replacement frequency and maintenance costs. Updating fixtures enhances visibility in work and living areas. These small changes add up across the home.

Choosing Energy-Saving Appliances

Older appliances often draw more power than necessary. Refrigerators, washers, and dryers run longer to complete basic tasks. Inefficient motors and outdated controls increase consumption. Energy-rated models operate more efficiently with modern sensors. Replacing outdated units lowers overall household demand. Lower energy use also reduces environmental impact.

Managing Water Heating Efficiency

Water heating represents a major share of energy use in many homes. Older tanks lose heat through weak insulation and aging components. Hot water may cool quickly between uses. Modern systems retain warmth and adjust output to demand. Tankless heaters reduce standby losses. Improved efficiency lowers both water and energy expenses.

Sealing Basements and Crawl Spaces

Basements and crawl spaces allow cold air and moisture to enter living areas. Damp conditions weaken insulation and structural supports. Mold and mildew may develop in poorly sealed spaces. Sealing these areas blocks drafts and reduces humidity. Vapor barriers and insulation improve temperature control. A stable foundation improves overall thermal performance.

Monitoring and Adjusting Energy Use

Tracking energy consumption reveals patterns and problem areas. Smart meters and monitoring tools provide real-time feedback. Monthly reviews show how upgrades affect usage. This information helps homeowners adjust habits effectively. Turning off unused devices reduces unnecessary waste. Awareness strengthens the impact of physical improvements.

Creating a Comfortable and Sustainable Home

Knowing how to make an older home more energy efficient requires steady planning, informed choices, and consistent upkeep. Each improvement reinforces comfort, lowers costs, and protects property value. Connected upgrades work together to strengthen long-term performance. Small actions build lasting results over time. Regular maintenance preserves efficiency gains. With focused effort, an older home becomes reliable, efficient, and resilient.


Federal policy shift may cause student loan borrowers to face state and federal taxes on forgiven debt


Student loan borrowers in Illinois could face federal, state ‘tax bomb’ in 2026. Illinois is among 20 states whose tax codes automatically follow federal changes, potentially taxing forgiven student loans at the state level. Borrowers should review repayment options and seek guidance.

Image: 3D Animation Production Company/Pixabay


by Sam Freeman & Medill Illinois News Bureau
Capitol News Illinois


SPRINGFIELD - For the first time in five years, certain forms of student loan forgiveness will be taxable following a change in federal tax policy this year.

This comes after a provision of the American Rescue Plan Act expired Dec. 31. That measure, signed into law in 2021 by former President Joe Biden, temporarily excluded student loan debt from federal income taxes.

And those tax implications could extend to Illinois state taxes as well unless lawmakers act.

President Donald Trump’s “One Big Beautiful Bill Act,” enacted last summer, did not make the student loan tax forgiveness provision permanent. As a result, student loans that are canceled or partially forgiven in 2026 and beyond will see taxes owed on those forgiven amounts, advocates said. These taxes could amount to as much as $10,000, depending on the borrower’s income.

This includes income-driven repayment plan-related forgiveness; some closed school discharges — where 100% of a student loan obligation is wiped out if a school closes — and private settlements. Meanwhile, some forms of loan forgiveness remain tax-free, such as public service loan forgiveness, teacher loan forgiveness, and death and disability discharge programs.

According to a report from Protect Borrowers, a nonprofit organization dedicated to eliminating the burden of student debt, two-thirds of people who receive loan cancellation under income-driven repayment plans earn less than $50,000 a year and have less than $1,000 in savings.

“A tax bomb on people with that amount of assets and that amount of income, it could be really financially devastating,” said Jennifer Zhang, a researcher for Protect Borrowers.

Illinois State Graphic A group of congressional Democrats, including U.S. Sen. Tammy Duckworth, sent a letter to Treasury Secretary and Acting IRS Commissioner Scott Bessent on Nov. 9  calling the tax reinstatement a “financial disaster for working-class Americans.”

Illinois will also tax loan forgiveness

In addition to federal taxes, some borrowers will also face a similar tax hike at the state level. Illinois is one of 20 states whose tax codes automatically conform to the federal change. This means that unless Illinois legislators decouple the conforming provision before taxes are due next year, student loan forgiveness amounts will also be taxed by the state.

“I would certainly be supportive of (decoupling),” Sen. Mike Halpin, D-Rock Island, said, although it’s currently not an issue that has reached the Illinois state legislature.

Lawmakers passed a bill in their fall veto session to decouple the state and federal tax code as it pertained to certain corporate taxes to head off a budget shortfall for the upcoming year. But it did not address student borrowing.

Other challenges facing student loan forgiveness are also expected to take effect this year:

Student loan forgiveness under Biden’s Saving on Valuable Education, or SAVE, plan has been blocked for more than a year after some Republican-led states mounted legal challenges, claiming the program is illegal. As a result, 7 million borrowers have been stuck in forbearance, which does not count toward loan forgiveness under income-driven repayment plans or the public service loan forgiveness provision.

The SAVE plan is an income-driven repayment plan for federal student loans created to lower monthly payments, limit interest from ballooning payments, and accelerate loan forgiveness.

If a proposed settlement agreement between the U.S. Department of Education and the state of Missouri is approved, the SAVE plan will end entirely. That would require borrowers to switch to another plan, like an income-based repayment plan, to qualify for loan forgiveness. This change shouldn’t result in any loss of loan forgiveness credit.

Income-based repayment  currently is the only student loan repayment plan that remains preserved by the One Big Beautiful Bill. Trump’s bill removed the partial financial hardship requirement from the income-based repayment, which makes it easier for borrowers with higher incomes to enroll.

Income-based repayment is a federal student loan plan that caps monthly payments at a percentage of the borrower’s discretionary income. It is intended to benefit borrowers who have a high debt relative to their income.

The SAVE lawsuit also suspended student loan forgiveness under the Income-Contingent Repayment, or ICR, plan and Pay As You Earn, or PAYE, plan. The Department of Education agreed to resume processing student loans that had reached their 25-year or 20-year eligibility thresholds, after a lawsuit challenge.

Although loan forgiveness under ICR and PAYE is expected to resume in February, these plans will be phased out under Trump’s bill by July 2028. As with SAVE, borrowers enrolled in ICR and PAYE will need to switch to an income-based repayment plan or a new Repayment Assistance Plan, or RAP, that is supposed to launch later this year.

RAP includes lower payments for some borrowers, an interest subsidy that will prevent loans from ballooning over time, and a 30-year repayment term before a borrower can qualify for student loan forgiveness. This repayment term is longer than current IDR options.

“When people have that much of a continual financial strain, they don't build up their savings. They might not ever buy a home. They might not ever have kids,” Zhang said. “They might not ever achieve these different kinds of financial milestones.”

RAP also will require higher monthly payments for the lowest-income borrowers.

Finally, borrowers with federal Parent PLUS loans, who are typically limited to the ICR plan, also could face changes to their repayment options.

“Individuals with questions about their loans should call our Student Loan Helpline, 1-800-455-2456, which can direct struggling student borrowers to free resources about repayment options and information on avoiding default,” Illinois Attorney General Kwame Raoul said in a statement.

Borrowers can also use the Federal Student Aid website’s loan simulator to calculate monthly payments, evaluate repayment plan eligibility and choose the repayment plan that best suits their needs.


Sam Freeman is a graduate student in journalism with Northwestern University’s Medill School of Journalism, Media, Integrated Marketing Communications, and a fellow in its Medill Illinois News Bureau working in partnership with Capitol News Illinois.

Capitol News Illinois is a nonprofit, nonpartisan news service that distributes state government coverage to hundreds of news outlets statewide. It is funded primarily by the Illinois Press Foundation and the Robert R. McCormick Foundation.




TAGS: student loan forgiveness taxable Illinois, federal student loan tax policy changes, income-driven repayment forgiveness taxes, Illinois student loan tax conformity, student loan forgiveness 2026 taxes

Looking past the charm: How to evaluate that older house you want to buy


The Cold and Bold – March for America is scheduled to take place around West Side Park in Champaign. The one-day demonstration is expected to be brief.

Photo: Roger Starnes Sr/Unsplash

Older homes often attract buyers through character, layout, and established neighborhoods. Of course, charm should never outweigh careful evaluation. First-time buyers should look for practical signs that reveal how the home truly functions. Early decisions affect comfort, safety, and finances for decades.

Many older houses appear updated but hide aging systems. Besides, surface upgrades rarely fix deeper issues. Paint and fixtures can distract from costly problems below. This guide explains what buyers should look for before making a serious offer. Clear knowledge builds confidence and prevents expensive mistakes.

The Structure Beneath the Charm

Structure determines whether a home stands strong or if it needs a renovation. In contrast, visual appeal offers little protection against foundation problems. Buyers should inspect walls, floors, and ceilings for movement signs. Cracks wider than a coin deserve professional review.

Uneven floors often indicate settlement or moisture issues. Nevertheless, some movement is common in older homes. The concern lies in ongoing or uneven shifting. Basement walls, support beams, and crawl spaces reveal important clues. These areas show how the home has aged.

Moisture damage weakens the structure over time. Similarly, past water intrusion leaves stains, crumbling mortar, or warped framing. Buyers should check for musty odors and efflorescence. These signs often point to drainage or grading problems outside.

Roof Age and Drainage Performance

The roof protects every system below it. Not to mention, replacement costs strain new homeowner budgets. Buyers should confirm roof age, material, and maintenance history. Asphalt shingles age faster than metal or slate.

Drainage plays an equal role in long-term protection. As a result, poor gutter systems cause foundation and siding damage. Downspouts should extend away from the house. Soil should slope outward to prevent pooling near walls.

Roof flashing deserves close attention. Likewise, failed flashing allows water entry around chimneys and vents. Interior ceiling stains often trace back to roof weaknesses. Early detection prevents widespread damage.


Photo: Pavel Danilyuk/PEXELS

Cosmetic updates can hide costly problems. Relocation planning is an important but often overlooked part of buying an older home. Focus on hidden costs, aging systems, and long-term home performance when doing a walk-through with an agent.

Relocation is Also Important

A smooth move can influence how you feel about your new home from day one. Older properties, for example, often require extra planning. Narrow hallways make it harder to move large furniture, while tight door frames can slow down appliance delivery. Taking measurements ahead of time for entryways, staircases, and ceiling height keeps everything on track and prevents dents, scratches, or last-minute rearranging.

Many families discover that relocating without much hassle comes down to early organization and the right tools. Simple moving hacks that save time and stress include investing in sturdy packing materials so boxes don’t collapse in transit, packing room-by-room instead of mixing items, and using color-coded labels to identify where everything belongs the moment the truck opens. A dedicated first-night box with basics like toiletries, bed sheets, chargers, and snacks brings comfort when you are too tired to unpack.

Utility transfers are another often overlooked detail. Older homes may require manual meter readings or separate appointments for water, gas, and electricity setup. Confirm service activation well in advance so you don’t arrive at a cold house or a delayed internet installation. With thoughtful planning, the move feels less chaotic, and your first week in the new home becomes far more manageable.

Plumbing Systems That Reveal Hidden Costs

Plumbing upgrades often lag behind visible renovations. Of course, pipe material determines reliability and lifespan. Galvanized steel corrodes internally and reduces water pressure. Copper and modern plastics last longer and perform better.

Buyers should test faucets and toilets during inspections. Slow drainage hints at deeper blockages. Older sewer lines may crack or collapse. A camera inspection provides clarity and leverage during negotiations.

Water heaters also signal future expenses. In comparison, older units operate less efficiently. Rust, leaks, or age beyond ten years suggest replacement soon. These costs should factor into purchase decisions.

Electrical Capacity and Safety Standards

Electrical systems often reflect the home’s original era. Whereas modern homes support higher power demands, older ones may struggle. Limited amperage restricts appliance use and future upgrades. Panel size and breaker condition matter greatly.

Wiring type affects safety and insurance approval. Nevertheless, outdated systems still exist in many homes. Knob-and-tube wiring lacks grounding and poses fire risks. Aluminum wiring requires special handling to remain safe.

Outlet placement also reveals system age. Similarly, a few outlets lead to extension cord overuse. Grounded outlets protect electronics and occupants. Electrical updates improve safety and resale value.

Insulation and Energy Efficiency Gaps

Older homes often lose heat through hidden gaps. Besides, poor insulation raises utility bills year-round. Attics usually show the biggest deficiencies. Buyers should check insulation depth and coverage.

Wall insulation varies widely by construction era. In contrast, some older homes contain none at all. Infrared scans identify cold spots and air leaks. These tests guide targeted improvements after purchase.

Windows strongly affect energy performance. Likewise, single-pane glass increases heating and cooling costs. Storm windows help but rarely match modern efficiency. Buyers should budget for upgrades if comfort matters.

What First-Time Buyers Should Look For During Inspections

Standard inspections may miss age-specific issues. As a matter of fact, first-time buyers should look for inspectors experienced with older homes. These professionals recognize patterns others overlook. Their reports offer deeper insight.

Specialized inspections add another protection layer. Not to mention, sewer scopes uncover buried problems. Pest inspections reveal hidden wood damage. Radon testing also matters in older basements.

Buyers should attend inspections when possible. Meanwhile, asking questions builds understanding. Inspectors often share maintenance tips and priorities. This guidance proves valuable after closing.

Renovation Restrictions and Local Codes

Renovation plans depend on local rules. Of course, historic designations limit exterior changes. Windows, doors, and siding may require approval. Buyers should research restrictions before planning updates.

Building codes affect interior work as well. In contrast, older layouts may not meet current standards. Stair widths, ceiling heights, and egress rules matter. Bringing spaces up to code increases project costs.

Permit history reveals past work quality. Similarly, unpermitted renovations create legal and safety risks. Buyers should verify permits for major remodeling. This step prevents future complications.


Photo: Kindel Media/PEXELS

First-time buyers should look for homes that support long-term living, not short-term appeal.

Maintenance Patterns Tell a Story

Maintenance records reveal how owners treated the home. Besides, consistent care signals pride and responsibility. Regular roof, HVAC, and plumbing service reduces surprise failures. Gaps in records raise questions.

Deferred maintenance accelerates deterioration. Nevertheless, some issues remain hidden despite good care. Buyers should compare records with inspection findings. Mismatches deserve further investigation.

Exterior maintenance matters as much as interior care. Likewise, peeling paint exposes wood to rot. Failing caulk allows moisture entry. These details affect long-term durability.

Insurance and Financing Challenges

Older homes face unique insurance hurdles. Of course, outdated systems increase perceived risk. Insurers may require upgrades before issuing policies. Buyers should confirm coverage early.

Financing rules also affect purchase options. In comparison, government-backed loans impose stricter property standards. Peeling paint, handrails, and safety issues matter. Buyers should understand lender expectations.

Replacement cost coverage deserves attention. Similarly, rebuilding an older home costs more than the market value. Accurate coverage protects against underinsurance. This step safeguards long-term security.

Making Confident Choices With Clear Priorities

Older homes reward informed and patient buyers. With careful planning, first-time buyers should look for solid systems over surface beauty. Structure, utilities, and efficiency deserve top priority. Style can follow later. Knowledge reduces fear and regret.

In summary, first-time buyers should look for homes that support long-term living, not short-term appeal. Clear evaluation leads to smarter offers. Confidence grows when buyers know what truly matters.


Stop spending money at the coffee shop: Tips and tricks to save


If you spend five dollars a day on a latte, five days a week, you spend $1,300 a year. Browse tips to save yourself money and still have a great cup of Joe in the morning.

Photo: Vitaly Gariev/Unsplash


by Casey Cartwright
Contributing Writer


You likely start your morning with a familiar ritual. You leave the house, head to the local cafe, wait in a line that wraps around the corner, and tap your card for a drink that costs upwards of five or six dollars. It feels insignificant in the moment. It’s just one cup, after all. But that daily transaction drains your bank account faster than almost any other small habit. When you look at the monthly aggregate, that innocent morning routine transforms into a car payment or a significant chunk of a mortgage.


Self-employed and house hunting? Here’s tips on how to get your mortgage


Self-employed professionals can qualify for a mortgage, but the process differs from traditional borrowers. Proper documentation, such as tax returns and profit/loss statements, is key.

Client celebrates business deal
Photo: Kraken Images/Unsplash

StatePoint - If you’re self-employed or own a business, you may be wondering if it’s possible to get a mortgage.

The short answer is yes, you can, but the process will look different. You’ll need to provide documentation verifying your employment and lenders will be analyzing your financial situation and the financial situation of your business to see how likely you are to pay back your loans in a timely manner.

To help you put your best foot forward, Wells Fargo is offering guidance on navigating the home loan process.

What does it mean to be self-employed?

Typically, lenders consider an applicant self-employed if they meet any of the following:

  • They own at least 25% of a business
  • The ownership of a business is their major source of income
  • They complete a 1099 tax form during tax filing instead of a W-2
  • They’re an entrepreneur or sole proprietor whose income is filed under Schedule C of their tax returns
  • They’re an independent contractor or service provider

If you fit into these categories, you’ll also need to show lenders verified employment records or proof of self-employment during the past two years. Lenders are ideally looking for your business to have been active for at least 12 consecutive months. They review the overall health of the business, looking at both net income and expenses.

What employment documentation is needed?

When lenders review your application, they’re analyzing items like how stable your income is, if your business has strong finances, and what the future may look like for you and your business. Any of the following forms of documentation can help lenders show proof of your employee verification:

  • Business licenses and/or DBA certificates
  • Proof of correspondence with CPAs and/or clients
  • Proof of business insurance
  • Profit/loss statements or balance sheets reflecting your business’s performance
  • Lenders’ requirements vary. Check with yours for what will be required for your situation.

What tax return requirements are needed?

Personal tax returns under IRS Form 1040 include various schedules. Commonly used schedules are:

  • Schedule B (Form 1040) – Interest and ordinary dividends
  • Schedule C (Form 1040) – Profit or Loss from Business (Sole proprietorship)
  • Schedule D (Form 1040) – Capital Gains and Losses
  • Schedule E (Form 1040) – Supplemental Income and Loss
  • Schedule F (Form 1040) – Profit or Loss from Farming
For business tax returns, a business may choose to report taxable income either on a calendar year or fiscal year basis. Commonly used forms include:
  • IRS Form 1065 – U.S. Return of Partnership Income
  • IRS Form 1120S – U.S. Income Tax Return for an S Corporation
  • IRS Form 1120 – U.S. Corporation Income Tax Return

What factors show the strength of your borrowing ability?

Having a favorable debt-to-income ratio and credit score. A strong credit history shows lenders your ability to repay debts and utilize credit responsibly.


If you are self-employed, there are methods available to help make your goal of homeownership a reality

Staying organized. Keep expenses separate if you have multiple income sources, and separate business and personal accounts so that lenders can more easily tell which assets are which.

Having additional support, especially for closing. Certain factors may lower your risk for lenders, like utilizing a co-signer or borrower or paying a higher-percentage down payment than what’s required.

What’s next?

If you are self-employed, there are methods available to help make your goal of homeownership a reality. For example, eligible self-employed borrowers with Wells Fargo may have access to a variety of loans, such as VA or FHA loans or Wells Fargo products like Dream. Plan. Home. and the Homebuyer Access grant. Information can be found online about the eligibility requirements and personal tax implications of these products.

Talk to a home mortgage consultant to learn more about what your mortgage process may look like. Also, check out Wells Fargo’s home lending portal for personalized rate quote tools and for its content library featuring helpful articles. These can be found at https://www.wellsfargo.com.

“While self-employment makes obtaining a mortgage a bit more complex, your lender will walk you through the process, step by step,” says Rulon Washington, mortgage sustainability, Wells Fargo.



Tags: self-employed mortgage process, Wells Fargo home loan guide, mortgage approval for business owners, freelance home loan requirements, entrepreneur home financing tips


Guest Commentary |
Bitcoin King: From luxury townhome to jail



The bottom line: Be satisfied with what you have. Don’t covet what belongs to someone else.


by Glenn Mollette, Guest Commentator




Would a million dollars make you happy? Would you be satisfied knowing you could eat well and do whatever you wanted? A million dollars isn’t what it used to be, but it’s still a huge sum of money. You could earn about $40,000 a year in interest. But wait—what if you had $100 million? You would be one of the richest people in the world! Can your mind even comprehend having that much money? Would you be satisfied? What about $100 million in bitcoin?

Apparently, it wasn’t enough for John Woeltz of Paducah, Kentucky, known as the “Crypto King of Kentucky.” He wanted \$30 million more in bitcoin—even if it meant stealing it from an acquaintance.

Woeltz and his business partner, William Duplessie, are accused of holding a man from Italy hostage for 17 days. They are alleged to have beaten him, cut him with a chainsaw, dangled him over a staircase, and kept him bound, among other torturous acts.

The victim reportedly owns $30 million in bitcoin, while Woeltz is said to control over $100 million in the cryptocurrency.

According to reports, Woeltz and Duplessie lured the Italian man to the U.S. under the pretense of a bitcoin trading deal, which turned out to be a setup for an attempted robbery. The pair wanted access to the man’s bitcoin password.

Eventually, the man reportedly gave Woeltz the password. When Woeltz left briefly to retrieve his laptop, the victim seized the opportunity and bolted out the door, seeking help from a New York City traffic officer walking down the street.

Woeltz and Duplessie now face the possibility of spending years in prison, paying millions in legal fees, and being sued by the victim—who could ultimately gain a significant portion of their wealth.

The bottom line: Be satisfied with what you have. Don’t covet what belongs to someone else. Trying to obtain another person’s money or property through illegal or immoral means only leads to painful consequences.

Evil never stops at level one or two—it always pushes further into debasement and depravity. A person who starts out stealing pennies may eventually steal dollars, doing whatever it takes to satisfy their growing thirst for more.

Many serial killers began with what seemed like minor crimes, but their actions escalated into hurting people, eventually developing into a thirst for murder.

Sow a thought, reap an act. Sow an act, reap a lifestyle. Sow a lifestyle, reap a destiny.

News sources report that Woeltz owns a jet and a helicopter. He was renting a six-floor luxury townhome in New York City for $30,000 a month—the site of the alleged kidnapping. Today, he and Duplessie sit in a New York City jail.


About the author ~

Glen Mollett is the author of 13 books including Uncommom Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states.


The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.



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Unpaid toll text scams on the rise in Wisconsin and Illinois



Anyone with concerns about being scammed can reach out to the Wisconsin DMV or Illinois toll services directly.


by Judith Ruiz-Branch
Wisconsin News Connection

MILWAUKEE - Scam text messages impersonating the Wisconsin Department of Transportation and toll authorities are on the rise, despite the fact Wisconsin does not have toll roads.

The texts claim you have unpaid tolls and threaten extra fees and fines if not paid promptly. They include links to pay the fees and can also list a phone number to call.


Courtney Anclam, senior program specialist for AARP Wisconsin, said she's received about 10 of the texts in the past month. She noted they originally appeared to be from numbers in states like Connecticut or New York but are now mimicking the Wisconsin Department of Motor Vehicles, showing an increased level of sophistication.

"They're harvesting credit card information and then using your credit card to go buy whatever other things they want," Anclam explained. "It's really important to not click on any of the links, don't call any of the phone numbers. Doesn't matter how official it looks."

Anclam added even though Wisconsin does not have toll roads, neighboring states like Illinois do. Anyone with concerns about being scammed can reach out to the Wisconsin DMV or Illinois toll services directly.

Anclam recently started including toll text scams in her outreach presentations across the state, pointing out most people in the audience have received them. She added while most of them delete, ignore, or mark the messages as spam, they often don't report them to official agencies like the Department of Agriculture, Trade and Consumer Protection.

"There might not be a huge number indicating that we've gotten thousands of reports," Anclam acknowledged. "But we know that thousands of these text messages are being sent because people are telling us, I got two of these, I got five of these, whatever it may be."

Anclam stressed the need to continue discussing the scams to raise awareness, saying they have grown more believable and intimidating.

"I think there's a common misconception that older people are more likely to be the victim of a scam, which is not true when we look at data from the Federal Trade Commission," Anclam observed. "Actually, younger people are reporting losing money to fraud more often than older people."

DATCP said they are receiving many more inquiries and complaints about scam text messages and encouraged anyone who receives one to report it.




Guest Commentary |
Riding the stock market roller coaster; don't jump



Now is not the time to faint or jump from the roller coaster. Who knows how the market will perform over the next few weeks.


by Glenn Mollette, Guest Commentator




You never undo your seat belt or jump from a moving roller coaster. Nor, should you when it comes to our current Stock market.

Eight years ago, if you bought a share of VOO or Vanguard S & P 500 ETF stock, you may have paid about $220 for the share. Today, as of this writing it’s worth $490.55. In other words, even with the fall of the stock market recently you have made good money on your investment. A couple of weeks back it was up to $560 which means you were flying high on your profit. Still yet, you have done well.

If you bought your share of VOO two weeks ago at $560 then you have lost $70, at least for now. You may lose some more but you have to hold tight. Don’t panic and sell now or you will have a loss. Ride it out and give the market time to settle down and rise again. If you have to cash in your stock then cash in while they are high.


Now may be a good time to buy but keep in mind the market may go down some more.

Don’t invest your grocery money in stock. This is the money you need every week for food, shelter, travel and overhead. This is not the money you spend on stock. If you do, then in two weeks you will have to sell your stock to eat and risk losing some of the money you invested. Only invest in stock what you don’t currently need for general living expenses.

Who knows how the market will perform over the next few weeks. It’s going to be a few weeks or months before the tariffs really shape up as to what is really what. The reports are that numerous countries are coming to the table interested in making deals and playing fair with the United States. This will be good for us and them. As these deals stabilize look for the stock market to become more stable once again. If Japan, India, South Korea, Canada and Mexico all level the playing field with the United States our stock market will level out. If there are more reports of industry manufacturing coming to the United States the stock market will begin to rise again.

Now may be a good time to buy but keep in mind the market may go down some more. If you bought VIG two weeks ago then you’ve already seen a significant drop. Keep in mind you only lose it if you sell it when the stock is down. I feel confident that the stock market will come back bigger and bolder than ever but it may take a few months or longer.

The stock market has averaged making about ten percent over the last fifty years. This means it has had years when it made more and years when it made less. An average of ten percent is about the best you can do on your money over the long haul.

Now is not the time to faint or jump from the roller coaster. Rely on your stable income such as Social Security, or any other stable income you may have. If you have a regular paying job you may want to stay with it a little while longer if you can and if you enjoy your work.


About the author ~

Glen Mollett is the author of 13 books including Uncommom Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states.


The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.



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Refunds to New Rides: 3 essential tips for buying a good used car this spring


Photo: Leon Seibert/Unsplash

Family Features - Tax refunds have started rolling in, which means many people are looking to use this influx of cash to make purchases they’ve been putting off. According to an Oxford Economics report, the amount of money received from income tax refunds this year could be among the highest in recent years, so many people may have more money in their pockets to spend this spring.

One purchase typically rises to the top this time of year: used vehicles. The Oxford report shows used vehicles are one of the most popular purchases for Americans during tax refund time as this coincides with higher resale values of used vehicles. When making this purchase, it’s important to consider several factors to make a smart financial decision.

Make Sure the Purchase Fits Within Your Budget
Data from Kelley Blue Book and Cox Automotive suggests average used car prices are around 50% less than new vehicle prices. Trusted used car companies and dealerships often feature a wide selection of inventory, including different makes and models, so customers can select a vehicle that excites them and fits within their budget.

“While there are several considerations to keep in mind when shopping for a vehicle, consumers should never exceed their budget,” said Laura D. Adams, personal finance expert, host of the “Money Girl” podcast and a paid Enterprise Car Sales spokesperson. “A vehicle that is near new is often an excellent sweet spot for consumers looking for quality without wanting to make the leap to purchase an expensive, new vehicle.”

Searching for a vehicle with a retailer you trust can help make it easy to stay within your budget. For example, with Enterprise Car Sales, the price listed is the price you’ll pay.

Keep the Monthly Payment Low
The more you can invest in the down payment on a vehicle, the lower your monthly cost will typically be and the less interest you will typically pay over the length of the loan. This can lead to lower, more manageable monthly payments.

“In setting a budget for a quality used vehicle, it’s important to consider the initial down payment, the monthly payments, and the interest,” Adams said. “When consumers can put a little more toward the initial down payment, while staying within budget, they often thank themselves later when they have lower monthly payments and less interest accrued.”

There are many online resources that can help consumers make this calculation. For example, an auto loan calculator can show you how a down payment can affect interest charges.

Purchase a Reliable Vehicle
No matter who you buy from, ensuring you are purchasing a high-quality, reliable vehicle is of the utmost importance. Do your research before signing on the dotted line and conduct a test drive if you can.

“When conducting your search, it’s important to put companies and dealerships you trust at the top of your list,” Adams said. “Maintenance costs can sometimes creep up down the road, so it’s important to make this significant purchase from a company or dealership you trust.”

Some dealers also provide additional benefits to help protect a purchase. For example, all vehicles purchased through Enterprise Car Sales are “Enterprise Certified,” pass a rigorous inspection by ASE-certified technicians and come with a 12-month or 12,000-mile limited powertrain warranty (whichever occurs first), 12 months of roadside assistance and a 7-day or 1,000-mile (whichever occurs first) buyback policy.

With a little research and careful planning, you can find a reliable used vehicle that excites you. Visit enterprisecarsales.com for more information.




Op-Ed |
Congress is taking from the poor and giving to the rich



Let’s say you’re lucky enough to get housing at that wage. Do you then spend all your money on rent and skip nutritious meals for your family?

by Jocelyn Smith
      OtherWords

Foodbank products for people in need
Photo: Donna Spearman/Unsplash
I know how it feels to be hungry and homeless.

That’s why after work, I drive around town and pick up leftover food from restaurants, schools, grocery stores, and special events. My fellow volunteers and I set up in a big parking lot in our downtown to make this food available to anyone who shows up — no questions asked.

And it’s why other volunteers and I also work to find empty housing units that have fallen into disrepair because the landlords can’t afford the upkeep. We raise money and give them grants so they can bring the units up to code for use as low-income housing rentals.

I’m proud to do this work. But it’s no substitute for fair, living wages and a reliable public safety net. The minimum wage where I live is $12 — well below the $21 per hour the National Low Income Housing Coalition has calculated is necessary to afford a market rate two-bedroom rental locally.

Let’s say you’re lucky enough to get housing at that wage. Do you then spend all your money on rent and skip nutritious meals for your family? Or do you skip health care and medication? If you have a paycheck and a roof over your head, you might not qualify for food assistance, even if you don’t make enough to make ends meet.


foodbank photo
Photo: Joel Muniz/Unsplash

Foodbanks play a crucial role in addressing hunger and ensuring that vulnerable populations have access to nutritious food when they are unable to afford or access enough food on their own.

I work, volunteer, take care of my child, and I’m fortunate enough to have housing. But I still need to rely on SNAP — the Supplemental Nutrition Assistance Program, also known as “food stamps” — for my family.

My daughter has epilepsy, and thankfully I was able to get her onto Social Security Disability Insurance. However, she needs not only costly medication but also frequent neurological supervision and a device that helps to stop her seizures. There’s no neurologist in our town who can treat her, so we have to travel and lodge hours away for it.


when we need help, the bar for our income shouldn’t be so low that we must be nearly destitute, without any savings or emergency cushion, to qualify.

The expense is enormous, and that’s not even getting into expensive medications for my own heart problems and autoimmune disorders. Thankfully, we qualify for Medicaid. Otherwise, treatment would be out of reach.

But what does it say about our policy priorities when we need to say, “I’m disabled, taking care of my disabled daughter, I work, and I help feed my community, and yet I need assistance affording meals for my family?” These are the realities that a good society plans for so we can all thrive, no matter what obstacles life throws our way.

The programs our tax dollars pay for so families like mine can get help when we need it must be more robust. Programs like SSDI shouldn’t be so inaccessible. Food, housing, and health care shouldn’t be so expensive — and wages shouldn’t be so low that these basic necessities are unaffordable.

And when we need help, the bar for our income shouldn’t be so low that we must be nearly destitute, without any savings or emergency cushion, to qualify.

Is Congress working on any of this? Unfortunately, no. Instead, they’re doing the opposite right now.

In fact, the GOP budget proposal would slash $880 billion from Medicaid and $230 billion from food assistance. They’re also cutting government agencies that assist with affordable housing, transportation, safety, veterans, and children with disabilities.

Why? Because they need to find at least $4.5 trillion to give even more tax cuts to the wealthiest and largest corporations. They are reaching into my very shallow pockets, into my daughter’s life-saving medical care, and into the mouths of those who come to my food table in that parking lot.

They’re stealing from us to give to the rich, perpetuating a vicious cycle of poverty that keeps people homeless and hungry.

I don’t think that’s fair. Do you? We all deserve better.


Jocelyn Smith
Jocelyn Smith lives in Roswell, New Mexico. She works at a local talk radio station, runs a local Food not Bombs chapter, and volunteers at Rehab to Rental, helping to increase affordable housing options. This op-ed was produced in partnership with the Institute for Policy Studies and the Working Class Storyteller and distributed by OtherWords.org.




Commentary |
Trump wants to cut taxes for the rich, states can choose differently


by Eli Taylor Goss & Treasure Mackey
      OtherWords



As President Trump takes office, one of his first agenda items is to slash taxes on corporations and the rich. The results will be more inequality and less revenue for the programs Americans rely on.

The good news? States can make their own tax codes more equitable. And everyday people can help.

With the help of public opinion, strategic communications, and messaging research firms, we spent over a decade talking to people in Washington to better understand their deeply held beliefs about taxes.

In our state, Washington, people voted overwhelmingly this past November to protect our state capital gains tax on the ultra-wealthy. This was a hard-fought victory by a movement of people who believe we need a better tax code.

Let’s back up.

Despite our “blue state” status, Washington’s tax code has long been one of the most inequitable in the country because it over-relies on regressive measures like sales taxes and property taxes. That forces low- and middle-income earners to pay the biggest portion of their income in taxes to fund the programs and services we all rely on.

In 2010, an initiative to enact a tax on high earners in our state failed miserably. Although many people — including lawmakers — proclaimed the death of progressive taxes in Washington, advocates came together with a long-term goal of building public support for progressive revenue.

Our organizations were two of many that did this work. From interfaith organizations to affordable housing advocates to union leaders, we created coalitions to hold lawmakers accountable to build an equitable tax system.

In addition to organizing and legislative strategies, our coalitions prioritized shifting the public narrative.

With the help of public opinion, strategic communications, and messaging research firms, we spent over a decade talking to people in Washington to better understand their deeply held beliefs about taxes.

We learned that most Washingtonians felt the impacts of our upside-down tax code but didn’t realize just how much it favored the rich. And in focus groups and community meetings, we heard people vocally support taxes when they understood the services they provide.

Our state capital gains tax is an excise tax on the sale of high-end stocks and bonds. Many extremely wealthy people are able to hoard wealth from selling these stocks.

In media interviews, legislative testimonies, community events, and town halls, we showed how creating a budget that funds our communities requires the wealthy to pay what they owe. We tied taxes to critical programs and services like child care, education, parks, and safety net programs.

We also highlighted how our tax code — which was designed to favor white, land-owning men over everyone else — is harmful to communities of color and low-income people.

Buoyed by grassroots organizing and legislative efforts, national momentum for taxing the rich, and some wealthy spokespeople who said “we want to pay this,” our coalitions helped our legislature pass a capital gains tax in 2021. We also helped pass a Working Families Tax Credit that year, a cash boost for people with low incomes. Together, these policies started to holistically fix our tax code.

Our state capital gains tax is an excise tax on the sale of high-end stocks and bonds. Many extremely wealthy people are able to hoard wealth from selling these stocks.

In its first two years, our modest capital gains tax on the richest 0.2 percent of Washingtonians brought in $1.3 billion to increase access to affordable child care and support school construction projects. But as soon as it passed, a handful of uber-wealthy individuals filed a lawsuit to repeal the tax.

Ultimately, the state Supreme Court upheld it. The last test was on the ballot in November. We soundly defeated Initiative 2109, a last-ditch effort to repeal the tax. Over 64 percent of voters — including majorities in right-leaning counties — supported keeping the capital gains tax in place to fund schools and child care.

Our win — which many thought impossible a decade ago — was a bright spot nationally this fall. We still have a long way to go towards a just tax code, but it’s possible to flip the script and build public support for progressive revenue. Wherever you live, we hope your community is the next to make that happen.

Eli Taylor Goss is the executive director of the Washington State Budget and Policy Center, a research and policy organization that works to advance economic justice. Treasure Mackey is the executive director of Invest in Washington Now, an organization working to remake our tax code so it works for everyone. This op-ed was distributed by OtherWords.org.


Guest Commentary |
Give your life one more chance


by Glenn Mollette, Guest Commentator


Glenn Mollette
Too often we quit right at the time we were close to being successful. Frequently, we give up at the darkest part of the night when morning was so close to appearing.

You may have spent a lifetime trying to conquer an addiction. Your addiction has colored your life in an unflattering way. Most likely it’s affected your success, finances, and your relationships.

Answer this question, is your addiction worth what it has cost you? Do you really derive that much pleasure from the very thing that keeps tearing you apart and bringing you down? We both know the answer, and it’s a big no. Yet, you keep going back to what brings you down. Why not try one more time? This could be the year that you turn the corner and the page for a new and better you.

You may feel as if your marriage and relationship with your spouse has failed. He or she has failed, you have failed, you both have given up, and let your marriage die. What could he or she do differently? What can you do differently?

No one is perfect. Another man or woman will have their own issues of some kind. We are imperfect people. Is your marriage worth saving? What about all the years, toil, work, and life that you have shared with this other person? Is it not worth giving it one more try? If you give it one more honest effort at least you’ll know that you tried and that will be worth some peace of mind down the road.

Sit down and have a heart-to-heart talk and deal with any and every issue that you feel is important to making your marriage work. Talk it out, pray it out, be completely real. There was something about this person that made you love and marry him/her, so go back and give it one more concerted effort at making it really work.

Every human has had some kind of life failure. Abraham Lincoln lost election after election. Losing an election is gut wrenching but he kept trying. President Donald Trump has been through about as much as anyone I’ve known but came back to be our President. Most of us would have given up long ago and could never have survived all he has been through. What do you need to try one more time?

What about your weight loss? Are you tired of feeling bad, having clothes that won’t fit, and watching your health decline because you are carry 20 or 30 pounds you don’t need? You have probably lost 10 or 20 pounds and then put it right back on. We’ve all done this more than once. It’s easy to do. As Dolly Parton said, “There is a fat person inside me trying to get out.”

I feel the same way. Why not get real religious about your eating. It’s 95% about your eating. Exercise helps but it’s mostly about your eating. Go to small portions three or four times a day. This way you’ll not be starving and you’ll slowly lose about a pound a week. In six months, you’ll be so happy you’ll be singing and dancing.

Don’t give up on God. He will help you with all the above and more. The old song asks this question, “Have you failed in your plan of your storm-tossed life? Place your hand in the nail-scarred hand. Are you weary and worn from its toil and strife? Place your hand in the nail-scarred hand. He will keep to the end, He’s your dearest friend. Place your hand in the nail-scarred hand.”


About the author ~

Glen Mollett is the author of 13 books including Uncommom Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states.


The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.


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