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Turn Your Tax Refund Into a New Ride

As tax refunds are beginning to come in, it’s an excellent opportunity for people to explore different investment avenues and make the most of their money.

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Last Updated on November 12, 2024 by Daily News Staff

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Make a major purchase more manageable

(Family Features) With tax refunds starting to flow in, many people are considering ways to invest their money.

If you’re looking to purchase a vehicle, putting your tax refund toward a down payment on a used car can be a smart financial decision for several reasons – from reduced interest rates on your loan and shortened loan terms to lower monthly payments – and the timing is right to take advantage of improving market conditions. Consider this information to help make an informed buying decision.

Lower Your Monthly Payment
The more you can invest in the down payment of 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 smaller, more manageable monthly payments.

A significant down payment can also help offset higher-than-average interest payments and could lead to a shorter term, meaning less total accrued interest. An auto loan calculator can show you how a down payment can affect interest charges.

More Affordable Vehicle Options
17031 detail image embed1Used car prices have been trending downward month-over-month, according to the Bureau of Labor Statistics’ consumer price index. These decreases in used car prices are helping offset higher than normal interest rates. The average sales price for a pre-owned vehicle through Enterprise Car Sales, for example, is approximately $21,000 right now, compared to average new car prices, which are hovering around $44,000.

Vehicle inventory is improving along with an increase in consumer demand for cars, which makes now an attractive time to buy. Many used car sellers feature inventory that is readily available so you can select from options you know are in stock, including different makes and models with a wide range of different features that can offer more affordable options.

“We have a large inventory of vehicles across the country currently priced under $20,000,” said Mike Bystrom, vice president of Enterprise Car Sales. “There are several considerations to keep in mind when shopping for a vehicle, and there is no one-size-fits-all approach. Consumers should weigh their options, but the one thing they shouldn’t compromise on is receiving great customer service.”

Protect Your Purchase
Ensuring your purchase is protected is also a smart financial decision. Take advantage of dealers that offer additional benefits to help protect your purchase and provide peace of mind that your tax refund has been well spent.

Look for a used vehicle that has passed an inspection by an ASE-certified technician and comes with a limited powertrain warranty, as well as extra coverage options such as roadside assistance and a return policy up to a certain amount of days or mileage.

With a little research and careful planning, you can find a reliable used car that meets your needs and puts your tax refund to good use. Visit enterprisecarsales.com for more information.

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Enterprise Car Sales

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holidays

A Guide for the Last-Minute Gifter

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Last Updated on December 15, 2025 by Rod Washington

A Guide for the Last-Minute Gifter

(Family Features) If you’ve ever found yourself buying a holiday gift for someone on your list at the last minute, you’re not alone. According to a Walgreens U.S. gift-giving survey, 83% of Americans found themselves getting a gift for someone at the last minute – a trend even more common among Gen Z (90%) and parents (92%). To help keep things merry and bright, consider these tips to help with the last-minute holiday hustle, and visit Walgreens.com or a store near you to find deals and gift inspiration.

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Health

FDA’s COVID-19 Vaccine Safety Claims Lack Solid Evidence—Why Overreaction Could Harm Public Health

COVID-19 vaccine safety: The FDA’s claims about COVID-19 vaccine deaths in children lack strong evidence and could restrict vaccine access. Learn why experts say VAERS reports aren’t proof, and how overreacting may harm public health and trust in vaccines.

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FDA’s COVID-19 Vaccine Safety Claims Lack Solid Evidence—Why Overreaction Could Harm Public Health
The FDA has provided no evidence that children died because of receiving a COVID-19 vaccine. Anchiy/E+ via Getty Images

FDA claims on COVID-19 vaccine safety are unsupported by reliable data – and could severely hinder vaccine access

Frank Han, University of Illinois Chicago The Food and Drug Administration is seeking to drastically change procedures for testing vaccine safety and approving vaccines, based on unproven claims that mRNA-based COVID-19 vaccines caused the death of at least 10 children. The agency detailed its plans in a memo released to staff on Nov. 28, 2025, which was obtained by several news outlets and published by The Washington Post. Citing an internal, unpublished review, the memo, written by the agency’s top vaccine regulator, Vinay Prasad, attributes the children’s deaths to myocarditis, an inflammation of the heart muscle. And it says the deaths were reported to the Vaccine Adverse Event Reporting System, or VAERS, but provides no evidence that the vaccines caused the deaths.  

COVID-19 vaccine safety

The death of children due to an unsafe vaccine is a serious allegation. I am a pediatric cardiologist who has studied the link between COVID-19 vaccines and heart-related side effects such as myocarditis in children. To my knowledge, studies to date have shown such side effects are rare, and severe outcomes even more so. However, I am open to new evidence that could change my mind. But without sufficient justification and solid evidence, restricting access to an approved vaccine and changing well-established procedures for testing vaccines would carry serious consequences. These moves would limit access for patients, create roadblocks for companies and worsen distrust in vaccines and public health. In my view, it’s important for people reading about these FDA actions to understand how the evidence on a vaccine’s safety is generally assessed.

Determining cause of death

The FDA memo claims that the deaths of these children were directly related to receiving a COVID-19 immunization. From my perspective as a clinician, it is awful that any child should die from a routine vaccination. However, health professionals like me owe it to the public to uphold the highest possible standards in investigating why these deaths occurred. If the FDA has evidence demonstrating something that national health agencies worldwide have missed – widespread child deaths due to myocarditis caused by the COVID-19 vaccine – I don’t doubt that even the most pro-vaccine physician will listen. So far, however, no such evidence has been presented. While a death logged in VAERS is a starting point, on its own it is insufficient to conclude whether a vaccine caused the death or other medical causes were to blame. To demonstrate a causal link, FDA staff and physicians must align the VAERS report with physicians’ assessments of the patient, as well as data from other sources for monitoring vaccine safety. These include PRISM, which logs insurance claims data, and the Vaccine Safety Datalink, which tracks safety signals in electronic medical records. It’s known that most deaths logged only in VAERS of children who recently received vaccines have been incorrectly attributed to the vaccines – either by accident or in some cases on purpose by anti-vaccine activists.

Heart-related side effects of COVID-19 vaccines

In his Substack and Twitter accounts, Prasad has said that he believes the rate of severe cardiac side effects after COVID-19 vaccination is severely underestimated and that the vaccines should be restricted far more than they currently are. In a July 2025 presentation, Prasad quoted a risk of 27 cases per million of myocarditis in young men who received the COVID-19 vaccine. A 2024 review suggested that number was a bit lower – about 20 cases out of 1 million people. But that same study found that unvaccinated people had greater risk of heart problems after a COVID-19 infection than vaccinated people. In a different study, people who got myocarditis after a COVID-19 vaccination developed fewer complications than people who got myocarditis after a COVID-19 infection. Existing vaccine safety infrastructure in the U.S. successfully identifies dangers posed by vaccines – and did so during the COVID-19 pandemic. Today, most COVID-19 vaccines in the U.S. rely on mRNA technology. But as vaccines were first emerging during the COVID-19 pandemic, two pharmaceutical companies, Janssen and AstraZeneca, rolled out a vaccine that used a different technology, called a viral vector. This type of vaccine had a very rare but genuine safety problem that was detected.
A report in VAERS is at most a first step to determining whether a vaccine caused harm.
VAERS, the Vaccine Safety Datalink, clinical investigators in the U.S. and their European counterparts detected that these vaccines did turn out to cause blood clotting. In April 2021, the FDA formally recommended pausing their use, and they were later pulled from the market. Death due to myocarditis from COVID-19 vaccination is exceedingly rare. Demonstrating that it occurred requires proof that the person had myocarditis, evidence that no other reasonable cause of death was present, and the absence of any additional cause of myocarditis. These factors cannot be determined from VAERS data, however – and to date, the FDA has presented no other relevant data.

A problematic vision for future vaccine approvals

Currently, vaccines are tested both by seeing how well they prevent disease and by how well they generate antibodies, which are the molecules that help your body fight viruses and bacteria. Some vaccines, such as the COVID-19 vaccine and the influenza vaccine, need to be updated based on new strains. The FDA generally approves these updates based on how well the new versions generate antibodies. Since the previous generation of vaccines was already shown to prevent infection, if the new version can generate antibodies like the previous one, researchers assume its ability to prevent infection is comparable too. Later studies can then test how well the vaccines prevent severe disease and hospitalization. The FDA memo says this approach is insufficient and instead argues for replacing such studies with many more placebo-controlled trials – not just for COVID-19 vaccines but also for widely used influenza and pneumonia vaccines. That may seem reasonable theoretically. In practice, however, it is not realistic. Today’s influenza vaccines must be changed every season to reflect mutations to the virus. If the FDA were to require new placebo-controlled trials every year, the vaccine being tested would become obsolete by the time it is approved. This would be a massive waste of time and resources.
A pharmacy with a sign advertising flu shots
Influenza vaccines must be updated for every flu season. Jacob Wackerhausen/iStock via Getty Images Plus
Also, detecting vaccine-related myocarditis at the low rate at which it occurs would have required clinical trials many times larger than the ones that were done to approve COVID-19 mRNA vaccines. This would have cost at least millions of dollars more, and the delay in rolling out vaccines would have also cost lives. Placebo-controlled trials would require comparing people who receive the updated vaccine with people who remain unvaccinated. When an older version of the vaccine is already available, this means purposefully asking people to forgo that vaccine and risk infection for the sake of the trial, a practice that is widely considered unethical. Current scientific practice is that only a brand-new vaccine may be compared against placebo. While suspected vaccine deaths should absolutely be investigated, stopping a vaccine for insufficient reasons can lead to a significant drop in public confidence. That’s why it’s essential to thoroughly and transparently investigate any claims that a vaccine causes harm.

Vaccine vs illness

To accurately gauge a vaccine’s risks, it is also crucial to compare its side effects with the effects of the illness it prevents. For COVID-19, data consistently shows that the disease is clearly more dangerous. From Aug. 1, 2021, to July 31, 2022, more than 800 children in the U.S. died due to COVID-19, but very few deaths from COVID-19 vaccines in children have been been verified worldwide. What’s more, the disease causes many more heart-related side effects than the vaccine does. Meanwhile, extensive evidence shows that COVID-19 vaccination reduces the risk of hospitalization by more than 70% and the risk of severe illness in adolescent children by 79%. Studies also show it dramatically reduces their risk of developing long COVID, a condition in which symptoms such as extreme fatigue or weakness persist more than three months after a COVID-19 infection. Reporting only the vaccines’ risks, and not their benefits, shows just a small part of the picture. Frank Han, Assistant Professor of Pediatric Cardiology, University of Illinois Chicago This article is republished from The Conversation under a Creative Commons license. Read the original article.
High Demand Marks “Veggies for Veterans” Event Amid SNAP Delays
Link: https://stmdailynews.com/high-demand-marks-veggies-for-veterans-event-amid-snap-delays/

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Consumer Corner

How to Choose and Care for a Live Holiday Tree

Discover how to choose the perfect live holiday tree and keep it fresh all season. Get expert tips on measuring, selecting, caring for, and disposing of your real Christmas tree for a safe and festive home.

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Live Holiday Tree: Family selecting a fresh live Christmas tree at a tree farm, showcasing the natural beauty and tradition of real holiday trees.

How to Choose and Care for a Live Holiday Tree: Expert Tips for a Fresh, Festive Season

(Family Features) Though artificial Christmas trees have come a long way, few things compare to the fresh scent and natural beauty of a live tree. Whether your family picks out a real tree as an annual tradition or this is your first time considering a live tree for the holidays, this guidance can help you choose the right one and care for it throughout the season. 1. Measure Your Space Before you head to your local tree farm, measure the ceiling height where you plan to set up the tree, subtracting the amount of room your star or topper will account for. Similarly, measure the width to ensure the tree doesn’t encroach too much on furniture or traffic flow. 2. Choose the Right Tree While the options can be overwhelming once you’re among the field of available trees, consider what shape would fit best in your space: Do you want a fuller or slimmer tree to fit a tighter space? Is a uniform shape without large gaps in the needles important or do you need stronger branches better equipped for handling heavier ornaments? Don’t forget to also consider trunk size – and consider bringing your stand with you to ensure your preferred tree fits – as trees with short or crooked trunks may be unstable. 3. Inspect for Freshness and Quality To ensure a safe, long-lasting, beautiful tree throughout the holidays, look at it from all angles and inspect the needles and branches. Needles should be green, not dry or brittle, and firmly attached to the branches, which should be flexible and not snap easily. If you run your hand through the branches and they break or needles fall off, it may be wise to look at other trees. Remember, if your tree has been cut too early, it may sit too long and dry out before Christmas arrives, so try and buy your tree as close to setup time as possible. 4. Set Up with Care Before placing your tree in the stand, make a fresh cut about 1 inch from the base of the trunk to open the pores for water absorption. Place it away from heat sources – vents, fireplaces, direct sunlight – as they will dry it out faster. Remember to water daily (or at least check it daily), keeping the water level above the base of the trunk. 5. Plan for Disposal Once your tree has dried out – branches may be brittle and lots of needles may have fallen off – it’s time to remove it. Remove all decorations then check to see if your city offers tree recycling or chipping service. Many offer these services for free for a limited time after the holidays but may require you to drop the tree off or cut it into smaller pieces for pick up. Find more seasonal advice to make the holidays safe and festive at eLivingtoday.com.   Photo 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 SOURCE: eLivingtoday.com

Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!

https://stmdailynews.com/category/consumer-corner/


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