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The alert covers two Grace varieties, regardless of the product date

By Mark Huffman of ConsumerAffairs

• Federal food safety officials have issued a public health alert for Grace chicken Vienna sausages illegally imported from Jamaica.

• The regular and Hot & Spicy varieties were distributed to retailers in Alabama, Florida, Georgia, Maryland and Texas.

• Consumers should not eat the affected products and should discard them or return them to the place of purchase.

The U.S. Department of Agricultures Food Safety and Inspection Service has issued a public health alert for canned Grace chicken Vienna-style sausages illegally imported from Jamaica.

Jamaica is not eligible to export meat or poultry products to the United States, FSIS said in its October 6 announcement. The agency is investigating how the products entered the country.

The alert covers 140-gram cans of Grace Ready to Eat Chicken Vienna Sausages and Grace Ready to Eat Chicken Vienna Sausages Hot & Spicy. Both bear the establishment number EST. NO G-01 inside the Jamaican inspection mark. All product dates are covered.

The importer distributed the cans to retail locations in Alabama, Florida, Georgia, Maryland and Texas. Federal inspectors discovered the issue during routine surveillance of imported products already in commerce.

What to do

FSIS reported no confirmed illnesses or injuries associated with eating the sausages. However, officials are concerned that consumers may still have cans in their pantries. Anyone who purchased the affected products should avoid eating them and either throw them away or return them to the place of purchase.

Anyone concerned about an illness or injury should contact a health care provider.

Questions about the alert can be directed to Sandra Campbell at 305-887-9523 or purecaribbeandist@gmail.com. Consumers with general food safety questions can reach the USDA Meat and Poultry Hotline at 888-674-6854 or MPHotline@usda.gov.

Parents should stop using the swings immediately

By Mark Huffman of ConsumerAffairs

• Pacearth Direct is recalling about 110,550 swing seats because the seats or hanging components can break during use.

• The company has received at least 30 reports of falls, including nine injuries.

• Consumers should stop using the swings immediately and request a full refund.

Pacearth Direct is recalling about 110,550 PACEARTH swing seats sold on Amazon because components can break, exposing users to potentially serious fall injuries.

The Oct. 8 recall covers U-type seats sold individually or in two-packs. Reported injuries include fractures, head injuries and bruising, according to the Consumer Product Safety Commission.

The swings came in colors including green, blue, pink, red and turquoise, with chains covered in yellow plastic. Included metal carabiners or quick links and yellow webbing straps attached the swings to outdoor swing sets or tree branches.

What to do

They were sold from May 2017 through June 2026 for $27 to $57.

To receive a full refund, owners should write RECALLED on the seat with permanent marker, photograph it with the PACEARTH logo visible, and email the photo to recall@pacearth.com.

Its the seventh consecutive week rates have moved higher, eroding affordability

By Mark Huffman of ConsumerAffairs

• The average 30-year fixed mortgage rate climbed to 7.40% this week, up from 7.28%, reaching its highest level since November 2023.

• A buyer borrowing $400,000 would pay about $294 more each month in principal and interest than at the average rate a year ago.

• Mortgage applications are falling, while more sellers are cutting asking prices, giving some buyers additional negotiating room.

Mortgage rates rose again this week, putting additional pressure on homebuyers trying to make the numbers work in an already expensive housing market.

The average rate on a 30-year fixed mortgage reached 7.40% for the week ending October 8, according to Freddie Macs Primary Mortgage Market Survey. That compares with 7.28% last week and 6.30% a year ago. The average 15-year fixed mortgage rate increased to 6.73%, up from 6.60% last week and 5.53% a year earlier.

The increase was the seventh straight weekly rise. The 30-year average is now at its highest level since November 16, 2023, when it stood at 7.44%.

For consumers, the change translates directly into larger monthly payments or smaller homebuying budgets.

What it means

On a $400,000 mortgage with a 30-year term, the monthly principal-and-interest payment at 7.40% would be approximately $2,770. That is about $33 more than at last weeks rate and $294 more than at the 6.30% average a year ago.

Those calculations exclude property taxes, homeowners insurance, mortgage insurance and other expenses. Over a year, the difference from last Octobers rate amounts to roughly $3,524.

The latest increase reflects pressure from the bond market. Mortgage rates generally follow the direction of the 10-year Treasury yield, which was around 5.29% at midday Thursday. Inflation concerns, higher oil prices associated with the Iran war and worries about government debt have helped push yields higher.

Borrowers are responding by pulling back. Mortgage applications decreased 4.2% on a seasonally adjusted basis in the week ending October 2, according to the Mortgage Bankers Association.

A new reality for sellers

At the same time, some sellers are adjusting their expectations. Redfin reported that 21.1% of sellers with active listings reduced their asking prices during the four weeks ending September 20. That was up from 19.8% a year earlier and the highest share for that time of year in records dating to 2022.

For buyers who can afford todays financing costs, that creates an opportunity to negotiate. Redfin suggests considering offers below asking price on homes that have been listed for more than a month and requesting concessions toward repairs, closing costs or mortgage-rate buydowns.

Freddie Mac also emphasized that comparing offers from multiple lenders can potentially save borrowers thousands of dollars over a loans lifetime. Its weekly average is a benchmark; an individual borrowers offer may differ.

For households considering a purchase, the practical test is whether the full monthly housing payment fits their budget at the rate they can secure today. Any future refinancing savings should be treated as a possibility rather than a requirement for making the home affordable.

The state alleges the insurer inflated costs while squeezing medical providers

By Mark Huffman of ConsumerAffairs

• Michigan Attorney General Dana Nessel has sued Blue Cross Blue Shield of Michigan, alleging anticompetitive practices increased insurance costs and reduced access to care.

• The state says the insurer controls 65% of Michigans health insurance market and 79% of its preferred provider organization market.

• Blue Cross disputes the states characterization, saying it faces strong competition from local and national insurers. michigan.gov

As healthcare costs continue to rise, Michigan Attorney General Dana Nessel has filed a federal lawsuit accusing Blue Cross Blue Shield of Michigan of maintaining an illegal monopoly that has left consumers paying more for health coverage while receiving diminished access to medical care.

The complaint, filed in the U.S. District Court for the Eastern District of Michigan, alleges violations of federal and state antitrust laws. Blue Cross Blue Shield of Michigan Mutual Insurance Company is the sole named defendant.

Nessel alleges the insurer worked with other Blue Cross Blue Shield entities to divide territories and customers, restrict insurance offerings and suppress competition. According to the complaint, those arrangements also prevented meaningful competition for the contract to administer Michigan state employees medical benefits, allowing Blue Cross to overcharge the state.

For households and employers, the suit alleges the consequences include higher premiums and out-of-pocket expenses. The complaint cites 2026 annual premium increases filed by Blue Cross of 23.3% to 24% for individual plans and 11.2% for small-group coverage.

The state also alleges Blue Cross used its bargaining power to push payments to medical providers to unsustainable levels, sometimes below the cost of delivering care. Nessels office argues that those pressures contributed to staffing reductions, service cuts and facility closures. These are allegations that have yet to be decided by the court.

Company response

Blue Cross challenged the attorney generals account in a statement reported by the Huron Daily Tribune.

We were blindsided by this announcement by the Attorney General, the company said.

The insurer said it had not yet been served and could not address the cases specific merits. However, it disputed the claim that Michigans insurance market lacks competition, saying strong local and national insurers compete with it daily. It also pointed to nearly 90 years of providing coverage throughout Michigan as a foundation of its success.

The lawsuit seeks a permanent court order stopping the alleged anticompetitive practices, along with damages, repayment of improperly obtained gains and civil penalties. Nessels stated goal is to lower costs and improve access to health services for Michigan residents.