Many towns and cities in Vermont are grappling with rising insurance rates and school costs. But the Upper Valley town of Hartford is facing some unusual fiscal challenges this year. A union group says it expects layoffs today at the IBM Essex Junction facility. Military service members and their families can be put in a tough spot when the military orders one spouse to move and the other must give up a job to move along with the service member.Vermont state officials say they have more money to cover the unfunded costs of the Rutland pesticide investigation.