All posts by Barbara Nevins Taylor

Passion Fueled Climate Change March

by Barbara Nevins Taylor

Fifteen-year-old Emma Bray came from Denver. Dianne Lloyd, older but equally passionate, came from lower Manhattan. Jummy Olagondoye and others in her Environmental Justice League group came from Providence, Rhode Island. Justine Kruse, a California native, came with a friend. They joined 300,000 others to march through Manhattan to urge policymakers to pay attention to climate change. Passion fueled this Climate Change march and brought people from many cultures to share ideas together and speak in one voice for a few hours.

Emma“It’s extremely important. It’s our world and earth  being contaminated by all the horrible industries. It’s affecting people every day,” 15-year-old Emma said with authority.  She come to New York with friends and family and mingled with the colorful crowd that gathered in front of the Javits Center on the far West Side of Manhattan.

Diane LLoydDianne Lloyd carried a sign demanding “Jobs. Justice. Clean Energy.” The march was like her sign. Something for everyone with a progressive bent. A little bit of something positive for all.  But Lloyd’s anger bubbled over. “There’s no question the climate is changing in a way that is already destructive to human beings, and people have to speak up,” she said. “I really hope people in Congress see this and listen to our voices and do something meaningful.”

 

JummyA block or so away on Eleventh Avenue, Jummy Olagondoye and her   Rhode Island group carried signs and felt glad to embrace the larger movement. “It’s good to support a movement like this for the future. We are the future. It’s really important that we all work together,” she said.

Some joined the togetherness, but remained apart to define their culture and identity. A group with origins in Mexico marched wearing colorful headdresses and native dress. Daisy Bugarin marched at the head of the formation and guided the group as they formed a circle around a large paper mache figure that symbolized the earth. Some were from Mexico City, others live in New York, but Daisy said, “We’re Mestizos. Indigenous Mexicans.”Inside the circle they lighted incense around the figure. A drummer sounded the call and dancers shared their passion and the universal  call for attention to the needs of the earth.

 

LeanSpa Victims Will Get Refunds

If you responded to a trial offer for LeanSpa supplements, and found yourself paying for products you didn’t want, you may find a happy ending to the story.  The Federal Trade Commission (FTC) says LeanSpa victims will get refunds after they fill out claim forms.

If this sounds familiar, look for mail from a company called Rust Consulting, Inc. The Federal Trade Commission hired Rust to help process refunds. It will send out a claim form to nearly 550,000 people who bought into, or got sucked into, the LeanSpa scam. The idea is find out if you qualify for a refund.

The FTC and Connecticut sued marketers of LeanSpa in 2011 after it discovered the online scheme. The FTC says LeanSpa used a website to offer so-called free trials for acai berry and colon cleanse weight loss products. The lawsuit said marketers falsely told consumers they would get the free trial after they paid a nominal charge for shipping. But in reality, people paid $79.95 for the first shipment and then found it hard to cancel.

The FTC settled the lawsuit at the beginning of 2014 and now there’s up to $7 million to refund to consumers.

No money is going out yet.  But you should receive a claim form soon. When you get it, fill it out as soon as possible. You have 60 days to return it. If you don’t return it in that time period, you won’t get a refund.

If you don’t get a claim form and you think you are eligible, you can contact the FTC at 1-866-621-4156, or visit the FTC’s LeanSpa case web page.

The FTC will use the information from the complaint forms to figure out who should get refunds and how much money they should receive.

COMMENT. LET US KNOW WHAT YOU THINK.

Shutdown The Payday Lender

You look at your checking account and you find money, a loan, you never asked for and a series of unauthorized debits.  Sounds crazy, but it happened to people who explored the possibility, online, of getting a payday loan but stopped short of actually applying for one.

The Consumer Financial Protection Bureau (CFPB) filed a lawsuit in Federal District Court in the Western District of Missouri to shut down the payday lender at the heart of the scheme.

The CFPB alleges that the Hydra Group used lead generators, online sites, that offer to help get you a payday loan. They allegedly gobbled up your banking information and gave you a loan whether or not you wanted it.

The CFPB says the company used falsified loan documents to make it seem as though people agreed to the loans.

CFPB Director Richard Cordray said, “The Hydra Group has been running a brazen and illegal cash-grab scam, taking money from consumers’ bank accounts without their consent. The utter disregard for the law shown by the Hydra Group and the men controlling it is shocking, and we are taking decisive action to prevent any more consumers from being harmed.”

The CFPB’s lawsuit says Richard F. Moseley, Sr., Richard F. Moseley, Jr., and Christopher J. Randazzo operate the business through about  20 companies including SSM Group, Hydra Financial Limited Funds, PCMO Services, and Piggycash Online Holdings. While the companies are based in Kansas City, Missouri, many are incorporated offshore, in New Zealand or the Commonwealth of St. Kitts and Nevis.

Apparently some consumers did sign up for loans, although most did not.  The CFPB alleges that during a 15-month period, the Hydra Group made $97.3 million in payday loans and collected $115.4 million from consumers.

The CFPB investigation found that the company typically deposited  $200 to $300 in a  bank account and  then withdrew a $60 to $90 “finance charge” every two weeks indefinitely. The lawsuit says some people used  stop-payment orders or closed their bank accounts to halt the bi-weekly debits.

The CFPB lawsuit aims to stop what it calls “the Hydra Group’s illegal business.”  It also hopes to get money back for consumers.

Stay tuned.

 

Comment.  Tell us what you think

 

 

Corinthian Colleges Chain Sued

The website of Corinthian Colleges claims it’s one of the largest for-profit secondary education companies with more than 83,000 students. That’s pretty impressive.

But the Consumer Financial Protection Bureau (CFPB) alleges the for-profit chain Corinthian Colleges Inc. uses predatory lending tactics and sued the chain.

The CFPB said, “Corinthian lured tens of thousands of students to take out private loans to cover expensive tuition costs by advertising bogus job prospects and career services. Corinthian then used illegal debt collection tactics to strong-arm students into paying back those loans while still in school.”

In a complaint, the CFPB asked for repayment from Corinthian Colleges for past and present students who, collectively, took out more than $500 million in private student loans.

CFPB Director Richard Corday said, “For too many students, Corinthian has turned the American dream of higher education into an ongoing nightmare of debt and despair. We believe Corinthian lured consumers into predatory loans by lying about their future job prospects, and then used illegal debt collection tactics to strong-arm students at school.”

Corinthian Colleges operates 100 school campuses across the country. The company operates the schools under the names Everest, Heald, and WyoTech.

In June, the U.S. Department of Education delayed Corinthian’s access to federal student aid dollars because of reports of wrong-doing.

The CFPB cites internal Corinthian documents that show most students lived in households with very low incomes and are often the first people in their families to attempt to get a college education.

Tuition and fees for some Corinthian programs were more than five times the cost of similar programs at public colleges. In 2013, the Corinthian tuition and fees for an associate’s degree was $33,000 to $43,000. The tuition and fees for a bachelor’s degree at Corinthian cost $60,000 to $75,000.

But the degrees did not lead to promised jobs. The CFPB alleges:

  • Corinthian inflated the job placement rates.
  • Created fictitious employers and reported students as being placed at those fake employers.
  •  Corinthian schools inflated advertised job placement rates by paying employers to temporarily hire graduates. The schools did not tell students about the payments or that the jobs were temporary.

PREDATORY LENDING

The CFPB claims Corinthian used strong-arm tactics to shame students and collect debts. CFPB says Corinthian:

  • Shamed students by pulling them out of class.
  • Blocked access to school computers.
  • Preventing them from enrolling in classes.
  • Withheld diplomas.

The CFP asked a federal judge in the Northern District of Illinois to force the company to stop its alleged illegal practices and provide compensation for the tens of thousands of students who took out Genesis loans. The CFPB estimates that from July 2011 through March 2014, students took out approximately 130,000 private student loans to pay tuition and fees at Everest, Heald, or WyoTech colleges. Some of these loans have been paid back in part or in full; the total outstanding balance of these loans is in excess of $569 million.

Consumer advocates applauded the CFPB action. Robyn Smith of the  National Consumer Law Center said, “The Department of Education should create an amnesty program providing full federal loan discharges for all Corinthian students, even those who are not currently attending Corinthian.” 

 

COMMENT. TELL US WHAT YOU THINK.

 

NY Attorney General Sues Alzheimer’s Drug Maker

The New York State attorney general sued a drug maker to prevent it from forcing Alzheimer’s patients to switch medications. New York Attorney General Eric Schneiderman filed an antitrust lawsuit against Actavis and its New York-based subsidiary Forest Laboratories. He claims they plan to “force” Alzheimer’s patients to switch medications to maintain high drug prices in an anti-competitive move to block competition.

Actavis announced it will to withdraw its Alzheimer’s drug Namenda from the market and substitute a drug called NamendaXR.

NamendaRX Once a day  And although patients can take NamendaXR once a day instead of twice, the attorney general claimed foul. He claims it’s an anti-competitive gambit. The lawsuit points out Namenda’s patent expires in July 2015 and makers of generic drugs offer cheaper substitutes.

Schneider claims that instead of facing that competition, “Actavis plans to force patients to switch unnecessarily to a very similar drug with a longer patent. Once patients switch to the new drug, Namenda XR, it’s likely that they will remain on that medication even after the Namenda generics hit the market due to the practical difficulties of switching back, thus allowing Actavis to insulate its profits from competition.”

If patients switch now to Namenda XR, they’ll need to give a pharmacist a doctor’s authorization to switch to a generic, and that may discourage many from buying a cheaper drug.

Schneiderman said, “A drug company manipulating vulnerable patients and forcing physicians to alter treatment plans unnecessarily, simply to protect corporate profits, is unethical and illegal. Unfortunately, schemes to block competition, without considering the consequences to patients, are a growing trend in the health care industry. By standing up to Actavis, we’re sending a clear message to all pharmaceutical companies: Prioritizing profits over patients’ rights will not be tolerated.”

 

Why Review Your Medicare Plan?

Why review your Medicare plan? Some insurance companies plan to raise monthly premiums in 2015 and that’s one big reason for you to take a look.

Sure it’s a pain in the neck and you’d probably rather ignore the “Annual Notice of Changes,” and the stack of information, you get in the mail. But you may save money and get a better deal if you compare your current plan with a plan offered by another insurer.

Healthcare MoneyThere’s also the possibility that your plan will raise rates and another plan will not.  

My insurer, for example, sent notification that the Part D, prescription drug premium, is going up from $44.30 a month to $52.10 a month. That won’t kill me. But it will make me look around to see what else is out there.

It’s also a good idea to review the medications the insurer plans to cover in 2015.

 

Photo by ConsumerMojo.com
Photo by ConsumerMojo.com

They may drop your medication and that’s a pretty good reason to seek out another company.  The booklet they send you announcing changes should include the “formulary.” That’s what insurers call their list of covered medications.

 It may contain only a partial list, so it’s wise to follow the instructions they offer and try to communicate with a representative to find out if the plan includes what you need for 2015.

We provide tips to figure out the key things to consider in your Part D plan in ConsumerMojo’s post Why Change Your Medicare Part D Plan?

Medicare sets aside an Open Enrollment every year from October 15 to December 7th. This gives you a chance to examine the material, make comparisons and make a change.

You generally don’t have to do anything if you want to continue your plan. But if you think you can get a better deal with a different insurer, you must make the change by December 7th.

 

 

Bogus Diet Pill Claim

by Barbara Nevins Taylor

The Healthe Trim website claims the company sold a million bottles containing  a supplement that could make you “high school skinny.”  Maybe we should automatically distrust a company that doesn’t spell health correctly.

It turns out this was another bogus diet pill claim. The Federal Trade Commission (FTC) says Healthe Trim pills couldn’t do the trick, no scientific evidence backed up the claims and marketers of Healthe Trim knew it.

John Matthew Dwyer III, the co-founder of HealthyLife Sciences, agreed to settle FTC charges that it deceived consumers. Yet, no one goes to prison and apparently they get to keep the money they made.

Dwyer and HealthyLife Sciences sold the supplements online and at CVS, GNC, and Walgreens for up to $65 for a month’s supply. They claimed the supplements would cause rapid and substantial weight loss of as much as 165 pounds.

They promoted the product with TV and radio commercials touting the idea that Healthe Trim was clinically proven to cause weight loss. Testimonials from consumers claimed their weight was “falling off.” The company claimed you could “get high school skinny” without exercising or changing your routine.

But Jessica Rich, the director of the FTC’s Bureau of Consumer Protection, said, “Losing weight is rarely easy, and it would be a miracle if a pill made it so. Consumers should be skeptical when a product like this one claims to make weight loss easy.”

The settlements ban Dwyer from manufacturing and marketing weight-loss products. It bans HealthyLife Sciences from advertising that “its products cause weight loss of two pounds or more a week for a month or more without dieting or exercise; cause substantial weight loss no matter what or how much the user eats; cause permanent weight loss; block the absorption of fat or calories to enable the user to lose substantial weight; safely enable users to lose more than three pounds per week for more than four weeks; cause substantial weight loss for all users; or cause substantial weight loss by wearing a product on the body or rubbing it into the skin.”

The settlement with HealthyLife Sciences also requires that the company conduct two randomized, double-blind, placebo-controlled human clinical trials to support other claims relating to weight loss, increased metabolism, or appetite suppression.

Both Dwyer and HealthyLife Sciences are prohibited from claiming that any dietary supplement, food, or drug is effective without competent and reliable scientific evidence to back up the claims.

COMMENT: WHAT’S YOUR EXPERIENCE WITH MISLEADING ADVERTISING?

 

 

September 11th And We Always Remember

by Barbara Nevins Taylor

September 11th and we always remember. Every detail stays with us. 

I live in Greenwich Village and on September 11th 2001 at about 8:45, I stood in front of a mirror and applied eyeshadow. It was election day, and I was getting ready to go to vote before I went to work.

Suddenly, I felt our four story house shake. The NPR voice on the radio disappeared and I heard screams from the street.

The front door flew open and my husband Nick yelled, “A plane just slammed into the World Trade Center.”

What? Impossible, I thought. The radio voice was there again. “A plane crashed into Tower One at the World Trade Center.” “

I had only one thought. I have to go.

 I called my news desk, at WWOR-TV and FOX5 NY. The assignment editor urged, “Go. Go now.” I pulled on a black dress, put on sneakers and stuffed my makeup, my notebook, and a bunch of other stuff into a backpack and asked Nick to come to help me.

We saw the towers from the corner of Bleecker Street and 7th Avenue South.

A woman ran toward her building screaming, “I saw it. I saw it.” Tears streaked her face. Neighbors clustered in small groups. They stared in horror.

Black smoke and flames sprouted from the north tower. A neighbor said, “I saw the plane. It flew so low over Sixth Avenue that I thought it would crash here. ” 

Nick and I walked south against a tide of thousands. They headed north on Varick Street and who could blame them? The north tower was burning and everything seemed uncertain and unknowable.

My phone linked me to the newsroom and I learned that a plane crashed in Pennsylvania and a third plane flew into the pentagon.

“How could this happen?” Nick and I repeatedly asked each other. “Where were the warning systems? Where was the CIA? Where were the government watchdogs?”

We lost the cell phone connection near Canal Street. We reached the burning towers and stared dumbly, helpless and horrified. We wanted to do something, but what?  

Four plain clothes N.Y.P.D. detectives appeared out of nowhere. A strange slow roar seemed to leap from the earth itself. “She’s coming down. Run,” one of the detectives shouted above the deep growl.

The sky darkened and grey and white matter floated through the air. The south tower crumbled.

It seemed like a slow motion nightmare. We ran north with the crowd. Two blocks up, we turned back. Tiny white figures in the dark slots of the upper floors of the north tower tumbled out and floated in the air moving down and down and down.

 “No. Don’t,” I heard my voice scream when I saw another figure in a window.  A man next to me said, “They have no choice. It’s burning behind them.”

 Unimaginable. How could you choose between a burning death and a jumping death?

I had to find a working phone.  McDonald’s on Chambers Street was closed but the bewildered manager let me in. They had a fax phone that worked and he let me use it. 

The FOX 5 live truck was headed our way.   Nick and I rushed to meet it. Then,  One World Trade groaned and collapsed. The sky darkened even more violently and thick gray dust and smoke covered lower Manhattan.

The dark cloud  trailed us as we ran the few blocks to find the TV truck.

For the next week, I reported live.  I held the microphone for people with stories to tell.  Some searched for loved ones, others grieved. Many came to dig to try to rescue anyone who was left. Some worked in the morgue and talked to try to clear their heads.

A doctor said he jumped on his motorcycle outside of the Archive building on Christopher and headed toward the burning buildings. He told us that he began to help people  injured by falling debris.  An emergency technician worked beside him and  helped. But then, the north tower began to collapse. The man helping yelled, “Take cover Doc.” The doctor slid under a fire truck as the tower came down and when the debris settled he couldn’t find the emergency technician.  

He wanted to find this man, and used our microphone to call out to him. “You called me Doc. He said. If you’re still alive, please let me know.”

Parents from Long Island, held a photo of their son in front of the camera and asked if anyone had seen him.

Rescue workers, still covered in bits of debris, talked about the struggle to get people out alive and some told about the thrill of actually finding a person they could help.

A preacher who volunteered in the morgue said simply, “I have never seen anything like this in my life. I never thought that I would see anything like this.” And then his voice cracked and he wept.

There are so many of these stories and they are indelible.

 

 

Why Change Your Medicare Part D Plan?

Take advantage of Medicare open enrollment and change your Part D plan. It’s a potentially smart move because you may save money.

Open Enrollment runs from October 15 until December 7th and while changing an insurance plan may seem like too much trouble, the savings can add up.

 

WHY CHANGE YOUR DRUG PLAN?

Your insurer may not list your drug on its “formulary.” The “formulary,” is what the insurer calls its list of approved drugs.

Every insurer has a variety of plans, and each plan has it’s own list of approved drugs. It’s maddening that there is not a uniform policy. But this is the way it is.

 

Courtesy Creative Commons via Flickr
Courtesy Creative Commons via Flickr

So even if you have a happy relationship with your insurer, they may have changed things up on you. It’s really important to check your mail. If you received a notice that said something about important changes, open it.

 

Photo by ConsumerMojo.com
Photo by ConsumerMojo.com

Don’t dump it on the pile of mail.

It’s likely that there is something in the notice that tells you the insurer has added approved drugs, or removed others. Check to see if your medication is on either list  

Tip 1

  • Make a list of your prescription drugs
  • Match your list to what the plans offer

Tip 2

       Check to see how your insurer categorizes your drug in its tier system.

 

The tier system is a complicated way of explaining that you’ll pay more for certain drugs.

Tier 1 drugs are cheaper, than Tier 2. Tier 3 drugs are more expensive than Tier 1 and Tier 2. And Tier 4 will cost you the most. 

 

Tip 3 

Read the rules the insurer outlines. It’s essential to know whether the company will require you to get prior approval or require you to use a generic drug for a test period called “Step Therapy.” In “Step Therapy,” it will require you to use a generic drug or several generic drugs before it approves a brand-name drug for payment.

Or, the insurer may limit the quantity of medication that you can get. It’s important to look at these rules because they can cost you money and make your life hellish if you don’t understand the benefits and the limitations.

CHECK TO SEE IF THE INSURER REQUIRES

  • Prior approval
  • Step Therapy
  • Quantity Limits

 

 

readmore  Figuring Out Medicare Basics

 

readmore Medicare Basics for Boomers and Everyone Else

 

watchmore Medicare Part B, Boomers and Costly Mistakes

 

watchmore Choosing Power of Attorney Tips

 

 

 

NYC Parents Embrace Pre-K

 

by Barbara Nevins Taylor

Susana and Marcel Casillas traveled forty-five minutes from their Washington Heights apartment to take 4-year-old Marcel Jr. to his first day of prekindergarten at Amber Charter School in East Harlem.

“He loved it and can’t wait to come back to school on Monday,” his dad said. Little Marcel wasn’t saying much, but he followed his older brother Kevin, who was in a much smaller pre-K program last year, and is now in kindergarden at Amber. “It really helped Kelvin learn a lot. He is much more ready for school now,” Marcel said.

Susana speaks limited English, but she told ConsumerMojo that a friend introduced her to the school and it was her first choice for both children. Marcel Jr. is particularly lucky. There are only about 200 pre-K seats in charter schools.

To fulfill Mayor Bill de Blasio’s campaign pledge to provide full-time pre-K for every four-year-old in the city, New York needed to create about 50,000 spots for children citywide. It partnered with religious schools, community groups and charters to make it happen.

After the first day of school, the Casillas family stood outside Amber Charter on 106th Street and waited hoping to get a glimpse of Mayor de Blasio after he visited the school and talked with reporters.  The Casillas, like other NYC parents, embrace pre-K and are thankful to the mayor for expanding it.  They think it will make a significant difference in their children’s educations.

Rivera Beltan familyMelissa Rivera agrees with him. We met her on the subway after school. Her son Izarean Beltran was fast asleep after his first day at pre-K at P.S. 197 in Manhattan.  Melissa really pushed for Izarean to get in. His fourth birthday isn’t until October and he made it under the wire. “I wanted him to learn. I didn’t want him to sit at home and do nothing, or just play all day,” she said.

Leanna RiveraLast year, her daughter Leanna Rivera, who is now in kindergarten at P.S.197, missed out. “I couldn’t get her into pre-K and I wished that I could have,” she said. “I thank Mayor de Blasio for opening up more spots this year. ”

Mayor de Blasio, his wife Chirlane McCray and schools Chancellor Carmen Farina spent the day touring schools in every borough and welcoming kids in the pre-K program as well as children in other grades.

In a morning meet and greet  at Sacred Heart School on Staten Island, the group was joined by Cardinal Timothy Dolan. Mayor de Blasio thanked the cardinal for opening over 3,000 seats in Catholic schools for pre-K students.  He also talked about his own children and the importance of pre-K for them and others.

The mayor said, “I remember deeply the day we brought Chiara to pre-K for the first time, the day we brought Dante to pre-K for the first time. What happened, literally within weeks, is you could see them growing before your eyes – a vocabulary, alphabet, numbers, colors – everything started to move in the right direction. And we saw with our children that full-day pre-K gave them that strong foundation and really propelled them forward through everything else that came after. We’re blessed to have two wonderful children who do great in school, who are focused and committed to their future. I don’t think there’s any accident here. I think they had the strong foundation they needed. So, I believe fundamentally that what we’re doing today will be felt in this city – not only a decade from now, two decades from now, three decades from now – as we have more kids graduating high school on time, more kids getting into college, more kids going to work productively, more kids with the skills they need for the 21st century economy.”

Comment and tell us your Pre-K story.

Yellow Brick Road of Zero Interest Credit

The offers sound great. Transfer a credit card balance and pay zero interest and then you find yourself on the yellow brick road of zero interest credit.  Banks promote zero or no interest on balances you transfer from your existing card to a new one.  But they don’t clearly disclose the high interest rate that kicks in later or the fees that you must pay.

That’s why it’s welcome news that the Consumer Financial Protection Bureau (CFPB) warned banks and credit card companies about using this deceptive tactic.

CFPB Director Richard Cordray said, “Credit card offers that lure in consumers and then hit them with surprise charges are against the law. Before they sign up, consumers need to understand the true cost of these promotions. Today, we are putting credit card companies on notice that we expect them to clearly disclose how these promotional offers apply to consumers so that they can make informed choices about their credit card use.”

Typically banks and credit card companies offer deferred interest and sometimes convenience checks when you transfer a balance. But you are often charged a fee to transfer a balance or make a purchase with the new credit card during that promotional period. And any new charges, after you get the card, incur interest charges right away.

The CFPB also says, “Some companies’ marketing materials do not clearly disclose that consumers must pay off the promotional balance by their due date to avoid racking up unexpected interest charges on routine purchases for which they were not charged interest previously. For some consumers, these surprise charges can make the cost of transferring a balance more expensive than revolving the same balance on their existing card.”

CFPB TIPS 

  • Avoid the interest: if you do switch to a new credit card company, make purchases with cash or another credit card until you pay off the balance. That way you can take advantage of the zero interest on the existing balance without adding new charges.
  • Make payments on time to avoid surprise charges: Pay off the balance before adding new charges.
  • Compare the interest rates among credit cards: If you carry a balance, shop around and compare interest rates on cards.

watchmoreYou might also like: 3 Tips to Manage Credit Card Debt

Celebrate Labor And Raise Wages

by Nick Taylor

We need to honor American workers once again by committing to paying them a living wage.  Otherwise, we might as well drop Labor Day and substitute a holiday dedicated to low prices. We could call it Underwater Worker Day.

Labor Day began in 1894 to celebrate the American worker. Lately, however, American workers have lost ground on jobs, wages, and union representation. One result is depopulation of the middle class and an erosion of the traditional American dream — that we can all find a spot on the ladder to a better life.

Our economy now takes advantage of workers in the name of providing cheap consumer goods. Saving money is great! Everybody likes a bargain. But what’s the advantage when those bargains come at the expense of people who can’t afford to buy what they’re employed to produce or sell? Henry Ford understood this contradiction. It’s why he took the unheard-of step of doubling his assembly line workers’ pay to $5 a day in 1914 so they could buy the Model T’s they were making.

The U.S. House of Representatives and many employers continue to resist President Obama’s call to raise the federal minimum wage to $10.10 an hour from the current $7.25. It’s been the same since 2009 and even the proposed increase lags far behind worker productivity. At the same time, according to The New York Times, some employers manipulate time sheets, pile on unpaid overtime and commit other forms of wage theft. And some anti-regulation politicians think bringing back child labor would be a good idea.

We get it that employers need to stay in business if they’re to provide jobs. But a rush to the bottom, where workers are squeezed for every penny, leaves families poorer financially, emotionally, and in terms of opportunity.

Or, better yet, we could rededicate ourselves to celebrate labor and raise wages.

End of Summer Garden

by Barbara Nevins Taylor

 

The season is just too short and I always try to keep the color in my end-of-summer garden for as long as possible.

Purple Asters 2So I just cheated and added a big pot of purple asters. But beyond the brick walls of my tiny urban garden, it’s always a pleasure to see other people’s gardens hanging on, too.

 

 

Camden WaterfallThat’s why during the second week of August, when my friend Jeanmarie Woods said she wanted to look at gardens in the hills above the harbor in Camden, Maine, I joined her eagerly.

Jeanmarie plans to remake her garden in Mt. Desert, Maine, next year and hoped to find some good ideas, and I enjoy seeing what people like to grow.

Lynette WaltherMidway through our walk, we spotted Lynette Walther, working away as though it were May or June. Lynette, on her hands and knees, struggled to dig up an old bush she considered a predator.  She was eager to substitute a friendly type of rhododendron.

She greeted us like old friends when we stopped to admire the wide variety of colorful perennials and annuals  that surrounded her white frame home. “My husband said, ‘You’re moving things again,'” she laughed. “You always have to move things. Sometimes they outgrow a spot, or they don’t work where you put them.”

We had discovered a true garden expert. Lynnette  won the National Garden Bureau’s Exemplary Journalism Award. She’s a retired college professor and writes about gardens in Maine and Florida where she divides her time.  She’s the author of Florida Gardening on the Go, a guide to planting small gardens.  She’s also written a cookbook and contributed to the Brooklyn Botanical Garden’s Gourmet Vegetables.

But she didn’t tell us any of that. We learned the backstory later.  The day we met, she was happy to show us around her strategically planted garden and point out what she liked.

HydrangeasEverything gave her pleasure, from the seasonal lantana to Rose of Sharon,  her clematis, which still bloomed, to oak leaf hydrangea and other hydrangea varieties,  purple worts, a multitude of ferns, rapidly fading Echinacea, which is very popular in Maine, phlox, plants that looked like purple salvia and a small  cascade of Japanese Hakone grass that grabbed our attention.

Hakone

 

 

 

 

 

 

StargazersI loved the purple stargazer lilies that took center stage in the front of her home.

 

 

 

Stargazer VarietyThe care Lynette Walther took with the plantings surrounding them made the lilies look like the prize in a beautiful bouquet.

 

Lynnette gave Jeanmarie simple, straight-forward advice.

Lynette and Jeanmarie“Don’t be afraid to experiment and move things when you don’t like them in a particular place,” she said.  She surprised us when she didn’t tick off a list of fancy growers to supply plants. Instead she suggested the growers whose plants you can find practically anyplace, “Proven Winners. I always have a lot of luck with them,” she said. Then she got back down on her hands and knees to continue her struggle with the bush.

 

Scam “IRS” Phone Calls Continue

by Barbara Nevins Taylor

An alert from the IRS warns that “IRS” scam phone calls continue to plague consumers despite government efforts to track down and arrest the people behind them. The warning is important, but it also means that those of us who get the calls must make sure we don’t fall for threats and demands for our money.

Scammers may call anyone. But they frequently target people over 55.

Usually, a caller will demand money you owe. Or they may say that the IRS owes you a refund. They want you to wire money or give out your personal information such as bank account or Social Security numbers. They sound convincing, offer fake IRS badge numbers and sometimes the caller I.D. even pops up as IRS.  That’s another part of the scam. It’s called phone spoofing. They figure out ways to make the calls seem legitimate.

But the IRS doesn’t call you to demand money, or to say you have a refund coming. That’s the first thing you should remember, even if you get a little rattled by the call.

IRS Commissioner John Koskinen says,“These telephone scams are being seen in every part of the country, and we urge people not to be deceived by these threatening phone calls. We have formal processes in place for people with tax issues. The IRS respects taxpayer rights, and these angry, shake-down calls are not how we do business.”

The IRS created this list of 5 things that it never does:

1. Call you about taxes you owe without first mailing you an official notice.
2. Demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe.
3. Require you to use a specific payment method for your taxes, such as a prepaid debit card.
4. Ask for credit or debit card numbers over the phone.
5. Threaten to bring in local police or other law-enforcement groups to have you arrested for not paying.

What To Do if You Get a Scam Call

  • If you know you owe taxes or think you might owe, call the IRS at1.800.829.1040. The IRS workers can help you with a payment issue.
  • If you know you don’t owe taxes or have no reason to believe that you do, report the incident to the Treasury Inspector General for Tax Administration (TIGTA) at 1.800.366.4484 or at www.tigta.gov.
  • If scammers called you, also contact the Federal Trade Commission and use their “FTC Complaint Assistant” at FTC.gov. Please add “IRS Telephone Scam” to the comments of your complaint.

Auto Insurers Overcharge Loyal Customers

 

by Barbara Nevins Taylor

Your auto insurer make take advantage of your loyalty by charging you too much. Newly revealed practices show that many auto insurers overcharge loyal customers and get away with it because we don’t shop around.

The Consumer Federation of America (CFA) says insurers play a statistical game that takes advantage of long-time customers’ reluctance to change companies. You may dismiss this and say, “I get a loyalty discount.” That’s true. Customers with good driving records who stay with an insurer generally get a 5 to 10 percent loyalty discount.

But companies use your personal data to calculate whether you are likely to stay with them, even if the rates go up. Then they factor in the discount and raise the rates higher than they should.

CFA’s Director of Insurance J. Robert Hunter warns,“Watch out!  Your insurer may be increasing your premium by far more than your loyalty discount, precisely because you have been so loyal.”

Insurers call the practice “price optimization,” or “PO.” The CFA says,  “Many insurance companies, including about half of the larger ones, raise a driver’s premium if they conclude that the driver is not likely to leave their company.  This means millions of drivers are possibly being charged a premium that is higher than the amount considered appropriate and fair for their risk profile.”

How Do They Get Away With It?

Most consumers don’t shop around for insurance:

  • 24 percent of drivers don’t shop for insurance.
  • 34 percent rarely shop.
  • 16 percent shop every few years

That means insurers can target three-quarters of policy-holders with price optimization.

What Should You Do? 

1. Even if you don’t want to do it, shop around for insurance. You may find lower rates with a different insurer.

2. The CFA asks you to get in touch with your state insurance commissioner and complain. State officials can tell insurance companies to stop using price optimization to unfairly raise rates.

You can find you state’s commission here: http://naic.org/state_web_map.htm

My husband and I plan to shop around immediately.  Comment and let us know how much your rates went up.

 

 

 

 

Take Care When You Choose a Nursing Home

 

by Barbara Nevins Taylor

Few of us want to think about the quality of nursing homes until it’s time to help a parent or relative or maybe use one yourself for rehab. But a recent story in the New York Times (NYT) by Katie Thomas found the Medicare watchdog system doesn’t always work.  That’s why it’s important to take care when you choose a nursing home.

I found this out the hard way with my cousin Marilyn. Before she moved into assisted living, she’d call an ambulance every time she had a back ache. Each hospital stay resulted in some kind of infection and when she was ready for release, they’d send her to a nursing home.  For a year or two she bounced between her Queens apartment in New York City, where she lived alone, the hospital and two nursing homes.

Both nursing homes were imperfect. They seemed to warehouse their patients and, in Marilyn’s case, to give her little care.  One nursing home embarked on a dusty construction project while she was there. The other just seemed grimy, and I had to ask for cleaning solution and rags to wipe out the set of drawers before I put her things in them. I couldn’t wait to get her out of there and into an assisted living facility where she finally agreed to move.

But the nursing home had Medicare’s seal of approval with a five-star rating, and my complaints did little to improve anything for Marilyn or anyone else.

The NYT story found that across the nation, the Medicare five-star rating system doesn’t ensure five-star treatment.  Although more than 15,000 nursing homes earned Medicare’s top rating, many may have potentially dangerous problems like inadequate staffing.

That’s what we found at the Queens facilities where Marilyn stayed. Medicare relies on nursing homes to self-report about staffing levels and other things and apparently some nursing homes figure out how to work the system. In addition, the NYT’s Thomas reported that the Medicare ratings don’t include negative information that states compile.

The last time Marilyn was in the hospital, I wanted her to go to a good rehab facility so that she could return to her assisted living apartment.  By this time, I was a pro. I asked the social worker for a recommendation for a good nursing home. She refused to endorse one. But when I named a  facility she said, “We don’t send anyone there.”

That was a good enough for me. I could strike a place from my list and ask about others. The social worker urged me to visit several nursing homes before I selected one. Honestly, I dreaded the visits and the time that it would take.  But this was great advice.

There’s a lot to consider if the nursing home will be a long-term residence, and we’ll cover those concerns in a separate post. But here are some suggestions for choosing a temporary nursing home.

10 Tips to Choose a  Temporary Nursing Home

1. Ask medical professionals or a social worker for suggestions of nursing homes that are close to where you live or work so that you can visit often.

2. Consult the Medicare list of nursing homes in your area even though it may be imperfect:  Medicare.gov/nursinghomecompare/search.html. And again, try to find a facility that’s close to where you live or work so that you can drop in at your convenience.

3. If the “professional” you ask for a referral won’t give you  a straight answer, use the back door approach and ask where they don’t send people.

4. Visit more than one nursing home so that you can make your own comparison. This is time-consuming, but worth it.

5. Check to see if the rooms and bathrooms are clean and free of foul odors.  I’m smell-sensitive and this was really important to me.  Check to see if drawers and closets for personal possessions are clean.

7. Look at the other patients. Are they cared for? Are they dressed appropriately?  Are they free of restraints?

8. Find out about staffing and how much attention each person gets from the nursing staff.

9. If it’s a rehab facility, visit the rehab area and see how the therapists and patients work together. Ask how much time is given to rehab and ask patients and family members if they are satisfied.

10.  Ask about the food. This is really important. Ask other residents, or family members if they can eat the food.

Always try to find a nursing home resident or a visiting family member who can tell you about their experience. It’s true that some people are always unhappy, but you are bound to find some who will talk honestly and share their knowledge with you.

Comment and tell us about your experience.

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