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How does the EPA know a pesticide is safe to use in my yard?

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Last Updated on June 7, 2025 by Rod Washington

EPA
A mosquito-control technician sprays a mixture including insecticides in a yard in Michigan.
AP Photo/John Flesher

Jeffrey Gore, Mississippi State University

Environmental Protection Agency head Lee Zeldin has said he wants the federal agency to accelerate scientific safety evaluations of various chemicals, including pesticides.

The EPA reportedly has more than 500 pending reviews of proposed new pesticides and more than 12,000 overdue reevaluations of pesticides currently in use. The agency is under pressure from the chemical and agricultural industries to catch up, while health and environmental advocates demand it maintain high safety standards.

The review process is careful for a reason – and perhaps the only real method of speeding it up is the one Zeldin has proposed: reassigning staff so there are more people to share the work.

As a faculty member at a land-grant university who has studied the effectiveness of commercial and experimental pesticides in the southern U.S., I have seen how the federal pesticide regulatory process identifies risks to humans and the environment and mitigates them with specific use instructions. Here’s how the process works.

First, what is a pesticide?

The EPA, which regulates pesticides in the U.S., defines a pesticide as any substance or mixture of substances intended to prevent, destroy, repel or mitigate any pest, such as weeds, insects and organisms, that attack plants.

Pesticides are often referred to as toxins when found in food, water bodies or other places where they are not intended. But just because something is detected doesn’t mean it’s harmful to humans or wildlife. Toxicity depends on how much of the substance a person or animal is exposed to, how they are exposed to it – such as breathing it, or getting it on their skin – and for how long.

The Department of Agriculture began regulating pesticides in 1947 with the Federal Insecticide, Fungicide, and Rodenticide Act. Most of the department’s interest was whether a particular pesticide was effective against the target pests.

In 1970, the newly formed EPA took over responsibility for pesticides. It shifted its focus to the safety of consumers, farmworkers and the environment after the Federal Environmental Pesticide Control Act took effect in 1972.

A rack of shelves holds many different containers of various products advertised as pesticides.
A wide range of pesticides are available to consumers for use in their homes and yards.
Jeffrey Greenberg/Universal Images Group via Getty Images

Risk-benefit analysis

Federal law requires the EPA to evaluate both the risks and the benefits of each pesticide – and to revisit that analysis at least every 15 years for every pesticide used in the U.S.

The EPA determines whether the risks to people, animals or the environment are too high for the benefits the pesticide provides and whether any of those risks can be reduced. Sometimes a chemical’s risk can be lessened by recommending mitigation strategies such as wearing protective clothing, reducing environmental spread by barring the use of pesticides near the edges of a property, or decreasing the amount of a pesticide that’s legal to use.

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In its analysis of any given pesticide, the EPA requires a massive amount of data from the manufacturer about what ingredients the pesticide contains and how they work. The agency also reviews scientific research on the pesticide and uses its own scientists and independent experts to evaluate any studies that were submitted by the manufacturer.

The EPA uses all the available data on a pesticide to evaluate the dose that would be toxic to a range of organisms, as well as what residues the pesticide may leave on plants, in the soil and in water. The data is incorporated into computer models that estimate the potential amount of the chemical that may come in contact with humans, animals and the environment. Those models’ results are then combined with toxicity data to determine risk.

The models used by EPA scientists are very conservative. They often use significant overestimates of exposure, which means that when the models determine the risk of a pesticide is below a particular level, they are evaluating the risk posed by far higher quantities of the chemical than will ever actually be used. The risk from the amount actually used, therefore, is even less likely to cause harm.

The EPA also provides opportunities for public comment on a pesticide and uses that information in its evaluations as well.

A tractor moves through a field, spraying mist behind it.
Pesticides are commonly used in commercial agriculture.
Charlie Neibergall/AP

Additional scrutiny

The Endangered Species Act also requires the EPA to evaluate the effects of pesticides on threatened and endangered species.

If a pesticide is found to potentially be dangerous to a protected species or its habitat, the EPA will discuss those findings with the U.S. Fish and Wildlife Service and the National Marine Fisheries Service, which enforce the Endangered Species Act, and determine what to do to ensure the species aren’t harmed.

The law’s requirement to reevaluate each pesticide every 15 years is based on the fact that science evolves and information becomes more precise. New data can shed light on potential risks and benefits, and even lead to pesticides being banned or more closely restricted.

Until recently, for instance, pesticide residues on plants, food and in the environment were measured in parts per million. Newer equipment can measure even smaller amounts, determining parts per billion, which is as precise as identifying one single second in 32 years. Some chemicals can even be measured in parts per trillion, equivalent to one drop of water in 20 Olympic-size swimming pools. That means exposures can be more accurately measured. While some chemicals can be toxic in very small concentrations, most pesticides can be detected at levels that do not pose a biological risk.

Allowing a pesticide to be used

If the EPA determines that a pesticide’s risks outweigh its benefits, then its staff will conduct additional analyses to determine how to mitigate the risks enough to justify using it. If that’s not possible, the EPA will reject the application and not allow the pesticide to be used in the U.S.

If the agency determines that the benefits outweigh the risks, the EPA approves the pesticide for sale and use in the U.S. The law requires the pesticide come with a label providing a strict set of guidelines for how, when and where to use the pesticide.

The guidelines define amounts and timing for applying the pesticide safely, and specific restrictions or protection strategies to control the target pests while eliminating or minimizing harm to the environment, workers and the public.

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The EPA also makes information on pesticides available to the public, so anyone can find out how to use them safely. Using the pesticide without following those directions is a violation of federal law.The Conversation

Jeffrey Gore, Professor of Agricultural Science and Plant Protection, Mississippi State University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Consumer Corner

3 Practical Ways to Build Financial Confidence

Financial Confidence: Economic uncertainty, fueled by persistent inflation, stagnant wages and a cooling job market, has led many Americans to feel like they’re falling behind, even when they’re doing many of the “right” things financially. This expert guidance can help you be more intentional with the choices you make so your spending reflects your priorities.

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3 Practical Ways to Build Financial Confidence

Building Financial Confidence

(Feature Impact) Nearly everyone is carrying some level of insecurity about their financial future, even those who are trying to plan ahead. Economic uncertainty, fueled by persistent inflation, stagnant wages and a cooling job market, has led many Americans to feel like they’re falling behind, even when they’re doing many of the “right” things financially.

Though many are paying down debt, saving for retirement and building an emergency fund, they’re still asking, “Am I doing enough?” In fact, only 21% of Americans are financially prepared and assured in their ability to protect their futures, according to Mutual of Omaha’s 2026 Protection Index Survey – a proprietary research study conducted with quantilope – which shows overall financial confidence has declined.

“Many people believe they need to wait until they have more money, more certainty or the perfect plan before taking action,” said Nate Hobson, vice president of sales, Advisor Network at Mutual of Omaha. “But financial confidence is usually built through consistency rather than perfect timing. Even small steps today can make a meaningful difference over time.”

While being financially secure means different things to different people, according to the survey – such as having little or no debt (34%), owning a home (29%), maintaining emergency savings (27%), saving for retirement (26%) or having insurance coverage (26%) – building financial confidence doesn’t have to translate to cutting out everything you enjoy. Instead, this expert guidance can help you be more intentional with the choices you make so your spending reflects your priorities.

Create a Financial Cushion

Whether it’s a car repair, medical bill or temporary loss of income, unexpected expenses happen.

Having even a modest emergency fund can reduce financial stress and reliance on credit cards or loans. If saving several months of expenses feels overwhelming, start with a smaller milestone. Consistency matters more than the starting amount.

18112 B detail embed2Put Good Financial Habits on Autopilot

One of the easiest ways to make progress is removing the need to make the same decision every month. Consider setting up automatic contributions to savings and retirement accounts, regular investment deposits and automatic bill payments, which can help you build financial security even during busy or uncertain times.

Taking a look at everyday spending habits can also make a difference. The survey showed small, everyday choices add up over time, such as cutting non-essential spending (57%), using rewards programs (54%), comparing prices or switching providers (39%) and following a monthly budget (38%). That could mean bringing your lunch to work instead of grabbing takeout, taking a few extra minutes to compare prices at the grocery store or using rewards to get more value from the purchases you’re already making.

Protect What You’re Building

Saving and investing are important pieces of financial protection, but they’re only part of the equation. Protecting income, loved ones and other financial assets is equally important.

For families, life insurance can provide financial protection during key earning and caregiving years, helping replace income if the unexpected happens. For those focused on covering final expenses, guaranteed whole life insurance can help cover funeral and other end-of-life costs. If you’re approaching or living in retirement, an annuity may provide a reliable stream of income that can complement other retirement resources and reduce uncertainty.

A financial professional can help determine which options best fit your goals and circumstances. To see how much coverage is right for your situation, Mutual of Omaha’s Life Insurance Calculator can provide a personalized estimate based on your income, financial obligations and long-term goals.

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For more practical advice to build financial confidence, visit MutualofOmaha.com.

Taking Action with an Extra $1,000

If you unexpectedly received $1,000, your response with the extra cash may reveal your financial priorities and where additional planning could strengthen financial resilience.

Providing a window into Americans’ financial priorities, respondents in Mutual of Omaha’s 2026 Protection Index Report said they would:

  • Pay down debt (25%)
  • Add it to savings (21%)
  • Use it for everyday expenses (14%)
  • Invest it (9%)

Photos courtesy of Shutterstock collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures track

SOURCE:

Mutual of Omaha

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financial wellness

Survey: Credit isn’t a backup plan. For millions of Americans, it’s how they buy groceries.

Credit isn’t a backup plan. Credit cards were once reserved for expensive purchases or for added security in buying online. For households managing debt, they have become a way to cover everyday purchases like groceries.

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Survey: Credit isn't a backup plan. For millions of Americans, it's how they buy groceries.

Survey: Credit isn’t a backup plan. For millions of Americans, it’s how they buy groceries.

(Sheeka Sanahori) Sixty-six percent of Americans carrying at least $10,000 in unsecured debt used a credit card to buy groceries in the last year, more than any other essential expense, according to a new survey. Credit cards were once reserved for expensive purchases or for added security in buying online. For households managing debt, they have become a way to cover everyday purchases like groceries.

Accredited Debt Relief, a company specializing in debt relief, commissioned Atomik Research in May 2026 to survey 2,000 U.S. adults with at least $10,000 in unsecured debt. Along with groceries, 47% say they’ve used credit for gas or transportation, 45% for utilities and 33% for rent or housing costs.

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For people struggling with cost-of-living pressures, using unsecured debt can begin as a quick solution to cover household needs for the moment. At first, it’s just milk and eggs. But then an unexpected expense happens: a flat tire, an unusually high electricity bill, a medical cost that was not in the budget. The balance adds up and, according to the survey data, this also creates stress for consumers.

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This isn’t discretionary spending. The data reflects a growing reliance on consumer debt to cover basic cost-of-living needs. However, relying on borrowed money without an executable plan for repaying it could mean that one day, the runway for taking care of such expenses runs out.

A significant share of respondents report relying on credit as a routine part of managing their personal finances. This routine could become a long-term debt cycle for many households. Nearly three in ten say that they rely on credit or borrowing to get through a typical month. This reliance appears to be growing, with a third saying they depend on credit more than they did a year ago. For those consumers, what may have once been a stopgap has become an increasingly common and ongoing financial strategy.

The growing debt cycle by unsecured borrowing is taking an emotional toll on these consumers, too. A quarter of respondents are concerned about their financial future and 12% feel a stronger concern that they’re at risk of long-term financial instability.

A lack of savings makes the cycle harder to break. Only 28% of respondents say they can both cover expenses and save. When there is little room between income and expenses, every disruption becomes harder to absorb.

Unexpected expenses, such as medical bills or car repairs, lead 19% of respondents to take on additional debt every time, and 27% most of the time. These are the kinds of costs households are often told to prepare for, but preparation requires room. For many consumers, that room does not exist.

Debt builds over time when credit becomes part of monthly operations. Some of these consumers say they don’t earn enough to make meaningful changes to their current financial situation. Among those surveyed, 45% report that their income is enough to get by but not get ahead. Many report that their financial situation has caused them to put off taking a vacation or begin building savings.

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When asked about the biggest barrier to reducing debt, 29% of respondents listed the same obstacle: the cost of everyday expenses. That number connects how debt builds with why it persists.

When everyday expenses become part of ongoing credit card debt, the balance can grow without notice. Even when a consumer gets their next paycheck, if it’s already accounted for, they may not be able to make much progress in paying down their debts. A few recurring costs, spread across months, can become a greater financial weight. The result is debt that builds, because it’s tied to the basic cost of living. It also can create a stressful way to live; more than three in ten people say their current debt situation has affected their mental well-being.

Without meaningful changes, whether through increased income, debt relief or other financial support, these households may continue to rely on consumer debt and unsecured credit as a daily necessity rather than a strategic financial tool or occasional supplement. The risk is that life’s most basic needs become harder to maintain in the long run.

Methodology
Accredited Debt Relief commissioned Atomik Research to conduct an online survey of 2,000 U.S. adults with at least $10,000 in unsecured debt. The margin of error is plus or minus 2 percentage points at a 95 percent confidence level. Fieldwork was conducted between May 11-14, 2026. Atomik Research, part of 4media group, is a creative market research agency.

Photo courtesy of Shutterstock (tap to pay)

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collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures.com%2F18066%2F10520&dt=SURVEY CREDIT ISNT A BACKUP PLAN. FOR MILLIONS OF AMERICANS ITS HOW THEY BUY GROCERIES track

SOURCE:

Accredited Debt Relief

💰 Live well and make your money work smarter! Explore the latest lifestyle tips, personal finance insights, saving strategies, and financial wellness stories on STM Daily News. Share your thoughts in the comments and subscribe to our newsletter for fresh ideas delivered straight to your inbox.

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Dolly Parton Dies at 80, Leaving Behind an Extraordinary American Legacy

Dolly Parton, the legendary singer, songwriter, actress, entrepreneur and philanthropist, has died at 80. We look back at the remarkable journey that took her from rural Tennessee to becoming one of America’s most beloved cultural icons.

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Last Updated on August 25, 2026 by Daily News Staff

Country music legend, songwriter, actress and philanthropist Dolly Parton has died at the age of 80, bringing to a close one of the most remarkable careers in American entertainment.

Dolly Parton Dies at 80: Country music legend Dolly Parton has died at 80. Remember her extraordinary career, beloved songs, philanthropy and lasting American legacy.
Dolly Parton became one of America’s most recognizable and beloved entertainers during a career spanning more than six decades.

Dolly Parton Dies at 80

Dolly Parton, whose unmistakable voice, songwriting talent, humor and generosity made her an American cultural icon far beyond the world of country music, died Tuesday, August 25, 2026, in Nashville.

Parton died at Vanderbilt-Ingram Cancer Center following a brief battle with cancer, according to her publicist. She was surrounded by loved ones. The specific type of cancer has not been publicly disclosed.

For millions of fans around the world, the news marks the loss of an entertainer who seemed almost timeless.

From the Tennessee Mountains to Stardom

Born Dolly Rebecca Parton on January 19, 1946, in Sevier County, Tennessee, Parton grew up as one of 12 children in a family with little money.

Those beginnings would become an important part of both her identity and her music.

Rather than distancing herself from her Appalachian upbringing after becoming famous, Parton repeatedly returned to those experiences in her songwriting. Songs such as “Coat of Many Colors” transformed childhood memories into stories about poverty, family, dignity and love.

After moving to Nashville, Parton eventually became a nationally known performer, including through her partnership with Porter Wagoner.

But it was her ability to write songs that helped establish her as one of the defining artists of her generation.

Her catalog would eventually include classics such as “Jolene,” “I Will Always Love You,” “Coat of Many Colors,” “Here You Come Again” and “9 to 5.”

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“I Will Always Love You,” originally written and recorded by Parton in the 1970s, would find an entirely new audience when Whitney Houston recorded a soaring version for the 1992 film The Bodyguard.

More Than a Country Singer

Calling Dolly Parton simply a country music star never quite captured the full scope of her career.

She crossed into pop music, television and Hollywood while maintaining her country roots.

Her starring role alongside Jane Fonda and Lily Tomlin in the 1980 comedy 9 to 5 helped turn her into a major movie star. The film’s title song became another Parton classic and an enduring anthem about the frustrations of working life.

Parton later appeared in films including The Best Little Whorehouse in TexasSteel Magnolias and Straight Talk.

She also became an extraordinarily successful businesswoman.

Her association with Dollywood, the Tennessee theme park bearing her name, helped transform the attraction into one of the state’s best-known tourist destinations while bringing jobs and investment to the region where she grew up.

A Legacy Built Around Giving

Parton’s impact may ultimately be measured by more than records sold, awards won or movies made.

Through the Dolly Parton Imagination Library, founded in 1995, free books have been provided to children from birth to age five.

What began as a literacy program serving children in Parton’s home county in Tennessee grew into an international effort distributing books to children in the United States and several other countries.

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Parton also contributed to disaster relief, education and medical research. During the COVID-19 pandemic, she donated $1 million to Vanderbilt University Medical Center research that helped support development of the Moderna COVID-19 vaccine.

Her philanthropy became almost as recognizable as her music.

An Artist Who Crossed Generations

Perhaps one of Parton’s most unusual achievements was her ability to remain relevant without abandoning the personality that made her famous.

Parents who grew up hearing Dolly Parton records introduced her music to their children and grandchildren. Country fans embraced her, but so did rock musicians, pop artists, actors and audiences who might rarely listen to country music.

Her enormous blonde hair, rhinestones and colorful outfits became instantly recognizable, and Parton frequently made herself the punchline of jokes about her appearance before anyone else had the opportunity.

Behind that carefully cultivated public image was a songwriter responsible for thousands of compositions and a businesswoman who maintained considerable control over her work.

Even late in her career, Parton continued exploring new musical territory. Her 2023 album Rockstar featured collaborations with major figures from rock and pop music and demonstrated yet again her ability to move between genres.

Tributes Pour In

News of Parton’s death quickly prompted tributes from across entertainment and public life.

Musicians, actors, friends and admirers remembered not only her extraordinary career but also the kindness and generosity for which she had become known.

The reaction reflects something that made Parton unusual among celebrities of her stature: she became a figure whose appeal extended across generations, regions and many of the cultural divisions of American life.

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Her husband, Carl Dean, died in March 2025 at the age of 82. The famously private Dean and Parton had been married for nearly 60 years.

The Music Remains

Dolly Parton’s career is difficult to summarize because it was never confined to one thing.

She was a country singer who became a pop star.

A songwriter who became a movie star.

A girl who grew up poor in the mountains of Tennessee and became a highly successful entrepreneur.

And a celebrity who turned much of her wealth and fame toward helping children she would never meet.

Dolly Parton died at 80, but the songs, stories and institutions she created will continue long after her passing.

For generations of listeners, hearing the opening guitar of “Jolene,” the tenderness of “Coat of Many Colors,” or the unmistakable opening of “9 to 5” will immediately bring her back.

And perhaps that is one of the greatest legacies a songwriter can leave behind.

STM Daily News will publish a more comprehensive look at Dolly Parton’s extraordinary life, career and lasting cultural impact in the coming days.

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Sources:
Associated Press — Dolly Parton dies at 80

Reuters — Dolly Parton dies at 80

Related Links:
Official Dolly Parton Website

Dolly Parton’s Imagination Library

Dollywood

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