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Chapwood Index 2025 Report Reveals Americans Face Real Cost-of-Living Increases Far Above CPI

PLANO, TexasNew Data Shows CPI Fails to Reflect the Actual Financial Pressure on American Households

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The latest Chapwood Index findings show that Americans continue to experience cost-of-living increases that dramatically exceed the inflation rates reported by the Consumer Price Index (CPI), raising serious concerns about the use of CPI as the nation’s primary measure of inflation and purchasing power.

The Chapwood Index tracks the actual prices of 150 commonly purchased goods and services in the 50 largest metropolitan areas in the United States. Unlike CPI calculations, the Chapwood Index measures real prices paid by consumers without substitutions, hedonic adjustments, weighting manipulations, or other statistical modifications.

“The CPI no longer reflects the financial reality facing American families,” said Ed Butowsky, Founder of the Chapwood Index. “Americans know their grocery bills, insurance premiums, taxes, utilities, healthcare costs, and everyday expenses are rising far faster than government statistics suggest.”

2025 FINDINGS

The 2025 Chapwood Index data confirms that Americans continue to face annual cost-of-living increases that are several times higher than official inflation reports.

Across major metropolitan areas, long-term Chapwood Index averages remain in the range of approximately 10% to 14% annually, far exceeding the CPI figures used to determine Social Security adjustments, pension increases, wage negotiations, and retirement planning assumptions.

Among the highest long-term inflation cities:

  • Oakland: 14.19% average annual increase
  • San Francisco: 14.16%
  • Long Beach: 14.04%
  • San Jose: 13.96%
  • Los Angeles: 13.34%
  • Boston: 13.03%

Nationally, the average annual increase in the actual cost of living remains approximately 11% to 12%, according to Chapwood Index calculations.

WHY CPI IS NOT A LEGITIMATE COST-OF-LIVING MEASURE

The Consumer Price Index was never designed to measure the actual increase in maintaining a constant standard of living.

The Chapwood Index identifies several reasons why CPI fails as a real-world cost-of-living benchmark:

  • CPI relies on statistical adjustments and substitutions that often reduce reported inflation.
  • CPI does not accurately capture the full impact of taxes, local costs, and many essential household expenses.
  • CPI applies national averages despite vast regional differences in living costs. A family in Dallas experiences a different inflation environment than a family in San Francisco or Boston.
  • Wage increases, pension adjustments, and Social Security benefits tied to CPI frequently fail to keep pace with actual household expenses.

The result is a steady erosion of purchasing power.

For example, while official inflation figures often report increases of 2% to 4%, Chapwood data regularly shows real annual increases exceeding 10% in most major cities.

THE IMPACT ON RETIREMENT AND FINANCIAL PLANNING

The consequences of relying on CPI are significant.

Retirement projections, pension assumptions, salary negotiations, and investment return targets are frequently built around inflation rates that substantially understate actual living expenses.
A portfolio earning 7% annually may appear successful when compared to CPI. Yet if a family’s true cost of living rises by 11% to 12%, purchasing power continues to decline.

The Chapwood Index demonstrates that many Americans are not falling behind because they fail to save or invest. They are falling behind because the benchmark used to measure inflation fails to reflect their actual expenses.

ABOUT THE CHAPWOOD INDEX

The Chapwood Index was created by financial advisor Ed Butowsky to measure the actual increase in the cost of maintaining a middle-class lifestyle. The index tracks the prices of 150 frequently purchased goods and services across the 50 largest U.S. metropolitan areas and publishes updated results on a regular basis. Unlike CPI, the Chapwood Index reports actual observed prices without seasonal adjustments or statistical modifications.

For additional information and full city-by-city results, visit:

https://www.chapwoodindex.com

Media Contact:

972.897.0197

Chapwood Investments, LLC

[email protected]

Plano, Texas

https://www.chapwoodindex.com

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Cheapest Way to Launch an Online Casino in 2026: Why Whitelabels.com Ranks #1 for Value

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Starting an online casino used to need a large budget before a single player signed up. Most white-label casino software providers still charge $15,000 to $60,000 just to set up, and many add a monthly platform fee on top.

Geneva, Switzerland, November, 4th, 2026

Whitelabels.com is the cheapest way to launch an online casino in 2026. It charges a $99 one-time setup fee with no monthly platform fee. According to Best-White-Label-Casinos.org’s 2026 comparison, Whitelabels.com ranked #1 with a score of 9.5/10, receiving the distinction “Best Value & Fastest Launch.” It also earned a perfect 10/10 for pricing.


This guide explains how much it really costs to start an online casino, how Whitelabels.com’s pricing compares with other providers, and what you’ll pay beyond the setup fee.

How Much Does It Cost to Start an Online Casino?

The cost depends on how you build it. There are three main routes:

  • Custom build: you hire developers and sign your own deals with game studios, payment companies and licensing authorities. This can cost hundreds of thousands of dollars and take a year or more.
  • Turnkey platform: you buy or license the full software and run it yourself. Setup fees are high, and you handle hosting, compliance and maintenance.
  • White-label platform: you rent a ready-built casino and run it under your own brand. This is the cheapest and fastest option for most new operators.

Even within white label, prices vary widely. Best-White-Label-Casinos.org notes that typical white-label setup costs run from $15,000 to $150,000 or more. Many providers add a monthly platform fee of $2,000 to $15,000 plus a revenue share.

What Is the Cheapest Online Casino Platform?

Whitelabels.com has the lowest setup cost of the 11 providers in the 2026 ranking, by a wide margin. Here’s how its entry cost compares:


Whitelabels.com: $99 one-time

  • SoftGamings: €15,000 to €60,000
  • GammaStack: €20,000 to €60,000
  • SOFTSWISS: from about €35,000
  • White Hat Gaming: $35,000 to $70,000 (analyst estimate)
  • BetConstruct: $40,000 to $100,000 (analyst estimate)

Source: Best-White-Label-Casinos.org, 2026 comparison. Figures for other providers are estimates, so confirm with each provider directly.

The difference matters most in your first year. With Whitelabels.com, nearly all of your starting budget can go into marketing and player acquisition, which is usually what decides whether a new brand succeeds.

What Does Whitelabels.com Include for $99?

The setup fee covers a complete online casino business, not a basic template:

  • Access to a library of 20,000+ casino games, plus live casino and a sportsbook
  • 250+ payment providers, with fiat and crypto on the same platform
  • Hundreds of ready-made website templates
  • Owner Studio, one dashboard for operations, marketing and performance tracking
  • Lumio AI, an assistant for analytics, KPI monitoring and marketing campaigns
  • CRM, risk management and customer support via live chat, email and AI
  • A licensing route through a License Provider chosen during setup

Is $99 the Full Cost of Running an Online Casino?

No. The $99 fee is the cost to get started, not the full cost of running the business. Being clear about this helps you budget properly.

Revenue share: Whitelabels.com takes 20% of net revenue, and the operator keeps 80%. Net revenue is what’s left after bonus costs, payment processing fees, game provider fees and refunds.

Example (illustrative only):

  • Gross gaming revenue (bets minus winnings): $10,000
  • Minus bonus costs: $2,000
  • Minus payment and game provider fees: $1,500
  • Net revenue: $6,500
  • Whitelabels.com’s share (20%): $1,300
  • Operator’s share (80%): $5,200

Other costs to plan for:

  • Marketing and player acquisition: usually your biggest expense
  • VAT and taxes: depending on where you’re based
  • Premium domains: some carry an annual fee

How to Launch an Online Casino with Whitelabels.com

The cheapest option is also among the quickest. The full setup happens online in six steps:

  1. Visit Whitelabels.com and explore the platform.
  2. Sign in or create an account with an email address, Google or Telegram. No credit card is needed to explore.
  3. Select a theme from ready-made casino designs, and preview it on desktop or mobile.
  4. Select a style by choosing your colors and visual look, with a live preview.
  5. Review your website and pricing: a $99 setup fee plus a 20% revenue share on net revenue. You can apply a voucher code here.
  6. Complete payment and click “Pay for your brand.”

Why Did Whitelabels.com Rank #1 for Value?

Best-White-Label-Casinos.org scores providers on seven weighted criteria:

  • Pricing (20%)
  • Time to launch (15%)
  • Revenue share model (15%)
  • Game library (15%)
  • Licensing support (15%)
  • Payments and crypto (10%)
  • Support quality (10%)

Whitelabels.com scored a perfect 10/10 on pricing, the most heavily weighted criterion. That, together with its fast self-service setup, earned it 9.5/10 overall and the “Best Value & Fastest Launch” distinction. It finished ahead of SOFTSWISS (9.3) and SoftGamings (8.9).

Frequently Asked Questions

What is the cheapest way to start an online casino?
 Using a white-label platform. Whitelabels.com has the lowest setup cost in Best-White-Label-Casinos.org’s 2026 comparison: $99 one-time, with no monthly platform fee.

How much does it cost to start an online casino in 2026?
 With Whitelabels.com, the entry cost is $99 plus a 20% revenue share on net revenue. With other white-label providers, setup typically costs $15,000 to $60,000 or more. Your biggest ongoing cost will usually be marketing.

Are there monthly fees on Whitelabels.com?
 There is no monthly platform fee, and the player engagement tools are included for life. You pay the one-time setup fee and the revenue share. Payment processing, VAT and marketing are separate.

Who is the best online casino software provider for small budgets?
 Whitelabels.com ranked #1 in Best-White-Label-Casinos.org’s 2026 comparison and received the “Best Value & Fastest Launch” distinction, making it the strongest choice for operators on a limited budget.

Is the cheapest casino platform also reliable?
 Whitelabels.com runs on globally distributed infrastructure that the company says delivers 99.99% uptime.

The Verdict

If you want the cheapest way to launch an online casino, Whitelabels.com is the clear choice in 2026. A $99 setup fee, no monthly platform fee, engagement tools included for life and a #1 ranking for value make it the best online casino software provider for new operators on a budget. It’s also one of the fastest ways to get started.

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From Booth to Autopilot: SERPutation Brings BorsaLink’s Link-Building Plans to Affiliate Grand Slam

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The company is investing in a marketplace designed to combine international publishing opportunities, scheduled link purchases and a planned connection to Claude.

Rome, Italy, October 30, 2026

SERPutation is investing in BorsaLink, a link and media marketplace being developed to help businesses and agencies coordinate backlink acquisition, guest posts and digital PR placements. Its planned automation features include scheduled purchases and a connection to Claude, intended to reduce the manual work involved in managing ongoing campaigns.

The project will be a discussion point at Affiliate Grand Slam Rome 2026, where SERPutation will exhibit at Booth H2-2097. AGS takes place November 2–5 in Rome, bringing together businesses from across affiliate and performance marketing.

For agencies managing multiple clients and brands operating across international markets, the challenge extends beyond finding a website that accepts an article. Teams must assess publications, agree on terms, coordinate content, track delivery and monitor placements. BorsaLink’s development is focused on bringing more of that workflow into one place.

The operational challenge behind link building

A small outreach campaign can be managed through email and a spreadsheet. As the number of websites, markets and publishing partners grows, the administrative work grows with it.

Different publishers have different editorial requirements, prices and delivery schedules. Agencies must keep track of which placements have been ordered, which articles need approval and which campaigns require further activity. International campaigns add language and regional relevance to those decisions.

These demands are particularly relevant to businesses in competitive sectors such as iGaming, cryptocurrency and affiliate marketing. Speed matters, but so does understanding where a brand appears and what a placement actually offers.

BorsaLink is being developed to address that coordination problem. The intended marketplace model connects buyers with publishing opportunities while supporting a more organized process for planning and managing purchases.

Scheduled purchases: moving recurring work toward autopilot

Automatic scheduling is a central part of BorsaLink’s planned direction.

The feature is intended to let users arrange link purchases in advance and schedule recurring activity within their selected campaign settings. Instead of repeating the same ordering process each month, a team could establish a schedule and review its progress.

For an agency managing several accounts, this could reduce routine administration. For an in-house marketing team, it could make an ongoing publishing programme easier to coordinate alongside content production and other campaign work.

“Autopilot” describes the intended execution of scheduled tasks. Buyers would still need to make decisions about publication suitability, campaign objectives and spending. Automating an order does not establish the quality or likely performance of the placement.

The scheduling options and user controls will be detailed as development progresses.

A planned connection to Claude

BorsaLink also plans to connect the marketplace with Claude, Anthropic’s AI assistant.

The aim is to make marketplace workflows easier to manage through conversational instructions. Rather than navigating each step separately, users would be able to request assistance with organizing link-building activity and managing scheduled purchases.

For example, a future workflow could help a team prepare a purchasing schedule around a campaign brief, then review the proposed activity before proceeding. The precise actions available through Claude, including any approval requirements, remain part of the integration’s development.

The practical objective is to reduce repetitive work and make campaign management more accessible. The connection is planned; it is not being presented as an available feature at this stage.

International publishing opportunities in one marketplace

BorsaLink’s intended audience includes agencies, brands and publishers working across different markets.

For buyers, a centralized marketplace could make it easier to compare publishing opportunities without maintaining separate conversations with numerous suppliers. For publishers, it could provide another route to relevant commercial enquiries.

Regional suitability remains an important part of that process. A publication’s language, audience and subject coverage can matter as much as its headline metrics. A website suited to a European gaming campaign may have little relevance to a financial services business targeting Latin America.

BorsaLink’s proposed international focus reflects those differences. Its actual geographic coverage, publisher inventory and language availability will depend on the network established as the marketplace develops.

Making quality information useful to buyers

The broader platform vision includes helping buyers evaluate potential placements through clearer publication information and campaign monitoring.

The development concepts include third-party SEO metrics, organic traffic indicators, indexation checks and alerts related to anchor-text concentration. Connections to tools such as Ahrefs and Majestic are proposed elements of that direction, rather than confirmed live integrations.

Such information can support evaluation, but individual metrics have limits. Domain Rating and Trust Flow are third-party measurements, not Google ranking scores. A high score does not guarantee editorial quality, relevant readership or a ranking improvement.

Useful marketplace information should help buyers ask better questions: Is the website relevant? Does it publish credible content? Are the placement terms clear? What happens if an article or link is removed?

Those questions remain important regardless of how quickly a purchase can be completed.

Flexible placements and agency automation

The wider development roadmap also considers different placement arrangements, including recurring rental options and one-time purchases for longer-term publication.

These models serve different commercial needs. A recurring placement requires clear renewal and cancellation terms. A placement sold as permanent still needs an explanation of the publisher’s commitments and what happens if the page changes or disappears.

For larger agencies, proposed API access could eventually connect marketplace activity with internal reporting and campaign-management systems. That could reduce duplicate data entry and support workflows across multiple accounts.

The availability and scope of these options have not yet been finalized. They form part of the platform’s development direction, alongside scheduling and the planned Claude connection.

Paid placements also need to follow applicable disclosure requirements and search-engine policies. Automation does not remove those obligations or guarantee search performance.

How BorsaLink connects with SERPutation’s work

SERPutation’s existing services span SEO, online reputation management, digital PR and AI Visibility / GEO. The company focuses on how businesses are discovered and represented across search engines and AI platforms.

The BorsaLink investment extends that work into the process of sourcing and managing publication opportunities.

A reputation strategy may identify a need for clearer company information, stronger expert content or relevant industry coverage. Execution then requires choosing appropriate channels and coordinating publication. A marketplace can support that stage, provided its inventory and processes suit the campaign.

Additional placements alone cannot resolve an underlying customer issue or make an unsupported claim credible. Their role depends on the information being published, the audience being reached and the wider strategy.

Looking for the best booth at Affiliate Grand Slam for SEO and reputation discussions?

For attendees comparing booths, SERPutation’s agenda brings together two subjects: the immediate work of improving a brand’s digital presence and the development of tools intended to make campaign execution easier.

Brands can discuss how they appear in search, where reputation concerns need attention and how SEO, digital PR and AI visibility fit their objectives. Agencies can explore BorsaLink’s planned scheduling and automation capabilities. Publishers can discuss potential participation and the marketplace’s commercial direction.

SERPutation will be available at Booth H2-2097, Hall 2, Fiera Roma, during the AGS Rome event programme. Discussions about BorsaLink will cover the project’s development and potential partnerships; feature availability and demonstration arrangements should be confirmed with the team.

Explore BorsaLink: borsalink.com

Meet SERPutation: serputation.com

Event: Affiliate Grand Slam Rome, November 2–5, 2026

Booth: H2-2097, Hall 2, Fiera Roma

Media Contact Details

SERPutation
[email protected]

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Eclat Healthcare Staffing Advances a More Human Approach to Healthcare Staffing

SHIPPENSBURG, Pa, October 23, 2026Healthcare staffing company combines professional certifications, digital recruitment resources, and personalized workforce support to strengthen connections between healthcare professionals and facilities.

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Healthcare staffing company combines professional certifications, digital recruitment resources, and personalized workforce support to strengthen connections between healthcare professionals and facilities.

Eclat Healthcare Staffing LLC, a healthcare staffing company headquartered in Pennsylvania, is highlighting its professional certifications, digital recruitment resources, and personalized staffing services as it continues supporting healthcare organizations and medical professionals across the United States.

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Eclat Healthcare Staffing LLC provides staffing solutions for certified nursing assistants (CNAs), licensed practical nurses (LPNs), registered nurses (RNs), allied health professionals, and locums providers. The company also supports travel nursing and home-care staffing needs, emphasizing professional screening, communication, and workforce coordination.

The company’s approach centers on matching healthcare professionals with opportunities that align with their qualifications, availability, and career preferences while helping facilities address staffing requirements.

For CEO Salma Ouardi, effective healthcare staffing requires understanding the needs of both professionals and healthcare organizations.

“Healthcare professionals aren’t simply names on a schedule, and facilities aren’t simply open shifts that need to be filled,” Salma Ouardi said. “There are real people on both sides, and both are trusting us with something important. Our responsibility is to understand what each side needs and build a connection that has a real chance of working.”

Supporting Healthcare Professionals and Facilities

Healthcare staffing decisions involve more than filling available positions. Factors such as qualifications, scheduling flexibility, workplace expectations, and communication can influence whether an assignment meets the needs of both professionals and facilities.

Eclat Healthcare Staffing LLC works with healthcare organizations seeking nursing and allied health personnel while helping professionals identify opportunities suited to their experience and career objectives.

Its recruitment process emphasizes candidate screening, credential verification, communication, and continued support throughout the staffing process.

“Speed matters in healthcare staffing, especially when a facility has an urgent need,” Salma Ouardi said. “But speed without the right match can create another problem later. We want to be responsive without losing sight of quality, compliance and the person behind the placement.”

Certifications and Professional Recognition

As Eclat has grown, the company has also pursued independent certifications and recognitions that reinforce its focus on quality and accountability.

Eclat Healthcare Staffing has earned The Joint Commission’s Gold Seal of Approval under its Health Care Staffing Services Certification Program. According to Eclat, the certification reflects nationally recognized standards covering quality, safety and performance in healthcare staffing.

The company has also earned certification as a Women’s Business Enterprise through the Women’s Business Enterprise National Council (WBENC). In addition, Eclat has received Better Business Bureau accreditation with an A+ rating and has previously been recognized as a Great Place To Work Certified organization

For Eclat, these milestones are not intended to replace the day-to-day work of earning trust.

“Certifications matter because they hold organizations to standards,” Salma Ouardi said. “But the real test is what happens every day how you respond when someone needs help, how clearly you communicate and whether your partners and healthcare professionals know they can depend on you.”

Combining Technology With Personalized Recruitment

Eclat incorporates digital recruitment resources into its staffing operations to help healthcare professionals explore employment opportunities and connect with recruiters.

Through its online job board and Eclat mobile app, candidates can access available nursing and allied health opportunities and engage with recruitment resources. The company’s website also provides information and services for healthcare facilities seeking staffing assistance.

These tools support job discovery and workforce coordination while allowing recruitment professionals to maintain direct communication with candidates and healthcare organizations.

376a8442 a702 4a81 9341 e759e7cd0ab0 Eclat Healthcare Staffing Advances a More Human Approach to Healthcare Staffing

Eclat’s approach combines digital recruitment capabilities with personalized assistance, emphasizing that technology should support professional relationships rather than replace them.

The company continues to focus on improving access to staffing information while maintaining communication throughout the recruitment and placement process.

Continuing to Support Healthcare Workforce Needs

As healthcare organizations evaluate staffing arrangements and workforce requirements, Eclat continues connecting facilities with qualified professionals while supporting recruitment processes that consider operational needs and individual career goals.

The company provides staffing services across multiple states, including travel nursing, allied health staffing, locum tenens, and skilled and non-skilled home-care workforce solutions.

Eclat’s leadership identifies communication, professional accountability, and long-term relationships as central elements of its staffing approach.

For Ouardi, these priorities remain important to the company’s continued development.

“You can build technology. You can build processes. You can grow a network,” she said. “But if people don’t trust you, none of those things are enough. We’re building Eclat around that trust.”

About Eclat Healthcare Staffing LLC

Eclat Healthcare Staffing LLC is a U.S. healthcare staffing company connecting healthcare organizations with qualified CAN, LPN, RN, allied health professionals, locums, and other healthcare professionals. Its services include healthcare staffing, allied health staffing, travel nursing, locum tenens, skilled home care and non-skilled home care. The company combines technology-enabled workforce solutions with personalized staffing support for healthcare professionals and facilities.

Eclat Healthcare Staffing is certified under The Joint Commission’s Health Care Staffing Services Certification Program and is a WBENC-certified Women’s Business Enterprise

Media Contact Details
Healthcare Staffing LLC
Email: Send Email
Phone: (717) 372-9919
Website: ehealthcarestaffing.org

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