All posts by Barbara Nevins Taylor

Steps to Ensure Contraception Coverage

by Barbara Nevins Taylor

The Obama Administration took a bold step to ensure contraception coverage for women under the Affordable Care Act  (ACA) when their non-profit employers won’t provide it because of religious convictions. It’s also trying to deal with the problem created by the Supreme Court Hobby Lobby ruling that allows closely-held private companies to opt out of providing contraceptive coverage.

If a religious organization or a non-profit decides it won’t provide contraception coverage because of its religious beliefs, that’s its right according to a recent Supreme court ruling. But the Obama Administration’s new regulation aims to protect the rights of women employees.

Health and Human Services (HHS) Secretary Sylvia Burwell said, “Women across the country deserve access to recommended preventive services that are important to their health, no matter where they work.”

Here’s how they’ll get coverage.

Non-Profits

If a non-profit objects to providing contraceptive coverage on religious grounds, they can notify HHS in writing about their objection.

HHS and the Department of Labor will then notify insurers and third party administrators so that women enrolled in their plans can get separate coverage for contraceptive services at no additional cost to the employee or employer.

Closely-Held Companies

The Obama Administration also wants comment about a proposed rule that would give employees of closely-held for-profit companies like Hobby Lobby the opportunity to get coverage when their employer opts out.

In a news release, HHS said, “Under the proposal, these companies would not have to contract, arrange, pay or refer for contraceptive coverage to which they object on religious grounds. The proposal seeks comment on how to define a closely-held for-profit company and whether other steps might be appropriate to implement this policy.”

What do you think?  Comment and give your opinion.

Trapped in NYCHA Housing

by Barbara Nevins Taylor

Amadou Gueye raises his arm toward the ceiling and peels back the tape holding down the plastic. “It’s been like this for five months,” he says. The squarish hole, stuffed with bits of plasterboard, stares down at us. “It started leaking from the bathroom in the apartment above and my little boy was touching the water. I complained but they said I have to wait.”

But bigger problems dwarf the potentially dangerous ceiling leak. The family’s New York City Housing Authority (NYCHA) studio apartment on West 144 Street in Manhattan is just too small. Every corner, every surface, every corner of the room bursts with their possessions. Amadou Gueye’s family seems trapped in this 350 square foot studio apartment and trapped in NYCHA housing.

Amadou says he asked for a transfer to a larger apartment in 2009. Yet, NYCHA seems to have forgotten his family, leaving them in an apartment that is much too small. “I’ve always been told to wait. I’m on a waiting list. I’m tired of that. I’ve been going more than five times, back and forth to the office and the housing manager told me I have to wait,” he says, almost embarrassed.

Dejeume and baby2Two-year-old Muhammadou, neatly dressed in a striped Calvin Klein tank top, green shorts and sandals, looks like his 6’4″ dad’s Mini-Me. He tugs at his Amadou’s legs and grins showing all his tiny teeth. There’s almost no clearing for the toddler to play without bumping into his father or mother. His four-year-old sister Mame was sent to stay with family in Senegal because the apartment is too small to hold the four of them.

“When we talk to her, she says, ‘Dad, why you left me here? Are you mad with me, that’s why you left me here?’ She thought that we abandoned her,” he explains. It’s painful for him. They talk via video chat services, but he wants her home.

“We can not bring her back in this situation. We are waiting until we get a bigger apartment. School is going to open soon and we want to get her here.

Amadou first moved into the studio in June 2005. For a single man with a union job at a private midtown Manhattan club, the apartment was fine and convenient. Four years later, it still worked after he married and his wife came to New York from Senegal.

But the studio began to close in on them after Mame was born in 2010. By that time, his wife Djeumbe had her green card and she and Mame were added to the lease. Amadou also applied for a transfer.

NYCHA seemed indifferent to his request. He was told the computerized system would decide when and if he could have a transfer to a larger apartment in his building. He waited and waited and then after Muhammadou was born, he tried again. “Living in a studio with four people is not good for the welfare of the child,” he says.

A beige and brown sectional couch takes up about a quarter of the room. A big bed and dresser sit beside it. The galley kitchen is hidden behind the TV and a separate space for a child to sleep is curtained off in a tiny corner.

Amadou and his wife follow all the NYCHA rules  and they try their best. But these conditions can strain any relationship. “We do everything in one room. My wife cooks in the kitchen, I sleep here, my son plays around here. It’s bad for my son,” he says.

Even when he works the nightshift, it’s a hardship. “They can’t do anything because they don’t want to disturb me while I’m sleeping,” he explains.

When we asked the obvious question about why he doesn’t look for an apartment outside of the NYCHA system, he dips his head and looks down sheepishly. He’s afraid of spending more on rent than he can afford. “If I go outside and I try to get a bigger apartment for $1500 or  $1400, if I cannot afford it I may end up on the street. That’s what I’m upset about,” he says.

ConsumerMojo, on behalf of Amadou and his family, called Lucy Newman, a Legal Aid lawyer. She advocates for families in NYCHA apartments who need help. “It’s a nightmare,” she told us. “Very few families get transferred.”

Nevertheless, she asked Amadou to return to the office where he had filed his transfer request to learn the latest about his status. To his amazement Amadou discovered that his request was turned down. But no one in NYCHA had notified him.

It turned out Amadou’s $55,000 a year salary disqualifies him for an apartment for a family of four in the development where he now lives. The manager he spoke to told him he’d qualify for other NYCHA developments and gave him a list.

So Amadou picked another complex in Harlem and his computerized information, first filed in 2009, was updated.

“He said I will hear from them soon,” Amadou said hopefully. He knows that he is not alone in his quest. Although there are 178,000 NYCHA apartments,  Legal Aid attorney Newman says, “There were only 100 transfers in 2013 through NYCHA’s developments.

 

Spotlight On Dangerous Payday Loans

We’re glad to see the spotlight on dangerous payday loans.  John Oliver recently did a withering take-out on unscrupulous payday lenders that charge interest rates that can reach 850 percent, or more, and essentially force you to take loan after loan.

Typically, the small amount of money you borrow online or through a storefront payday lender may get you through a rough patch. But you’re likely to end up deeper in debt than when you started. The Consumer Financial Protection Bureau (CFPB) says 75 percent of people who borrow once borrow again and again.

Many of our readers ask about companies like Cash Mojo. You can draw your own conclusions. But it appears to be a referral service for payday lenders. And just remember, with these guys there’s no easy answer regardless of what they say.

Back to John Oliver. The comedian looked at the staggering interest rates and said, “Even the most demanding football coaches only ask for 100 percent.” He also focused on Texas lawmakers who protect the biggest payday lenders in the country.

Some states do have laws banning usury and limiting outrageous interest charges. But companies get away with marketing in those states with their online lending offers.

New York State has aggressively gone after payday lenders who work the Internet to hook people who think these loans will answer their prayers.

Recently, Attorney General Eric T. Schneiderman reached a settlement with Forster & Garbus. The company collects debts for payday lenders and Attorney General Schneiderman got them to agree to stop payday loan collections against New Yorkers.  The maximum interest rate allowed in New York is 16 percent.  But Forster & Garbus collected on loans that topped 850 percent.

Attorney General Schneiderman said, “Debt collection firms must make certain that the underlying loan is not a payday loan before filing a lawsuit, and they will be held responsible if they fail to do so. Ignorance is no excuse.”

But payday lenders don’t quit marketing and they spend a lot to get you to borrow. It’s easy to say, “Don’t do it.” But think of it as jumping into shark-infested waters. It’s dangerous.

You might also check out what John Oliver had to say.

Fee Scam That Targets Military Members Shut Down

Sure, free enterprise makes our country tick and we like it.  But we hate it when ripoff artists use “business” to target anyone, especially members of the military.  That’s why we applaud the Consumer Financial Protection Bureau (CFPB). It  shut down a fee scam that targets military members.

USA Discounters, Ltd., a company that operates a chain of retail stores near military bases, offers financing for purchases.  The CFPB says, “Discounters tricked thousands of servicemembers into paying fees for legal protections service members already had and for certain services that the company failed to provide.”

The Norfork, Virginia-based company operates retail stores across the country and sells furniture, electronics, bedding, and appliances. Most of the stores are located within a few miles of military bases.

When service members bought something on credit, USA Discounters asked them to pay a $5 fee to a company called SCRA Specialists LLC to represent them if they couldn’t pay the full bill.  Active duty service members are protected, by law,  from being harassed by creditors.

The CFPB says, “Discounters portrayed SCRA Specialists as an independent representative that would be available to receive notices of lawsuits filed by USA Discounters, inform USA Discounters of changes in the service members’ addresses, and verify service members’ military status to determine whether the service member was eligible for protection.”

But service members didn’t need the protection and those $5 fees added up. The CFPB got more than $350,000 in refunds for service members harmed by the scam.  USA Discounters will pay an additional $50,000 civil penalty.

CFPB Director Richard Cordray said,  “Targeting service members with scams disguised as legal benefits is unconscionable, and we will not allow this injustice to continue.”

 

 

 

 

 

Time to Recycle Clothes

by Nick Taylor

Controversy about for-profit companies that sell “donated” used clothing clouds the really important issue. Recycling clothing works on a number of important levels. First and foremost, it keeps millions of pounds of fabric out of landfills.

And then, of course, we satisfy our impulse to clean out a closet and maybe do some good by donating to a charity that can resell and make money and incidentally, we can claim a tax deduction.

 We’ve all bundled up clothes we no longer wear and dropped them at the Salvation Army, the Housing Works AIDS charity in New York City, or in a Goodwill Industries donation bin.

What most of us don’t know is that very little of that clothing is sold to thrift shop customers. Housing Works, where I donate regularly, and other charities, sell only a small percentage of what they collect in their stores. They sell the rest by the pound to for-profit companies for recycling or shipment for resale overseas.

Lately, though, those companies have been cutting out the middle man.

Viltex logo Companies like Viltex, a for-profit recycler based in Newark, NJ, puts its own bins out on city streets.

Here’s the problem, or problems.

In some communities, the recyclers plunk down the collection boxes without regard to whether people can get by, or even want them in their neighborhood. Many community zoning laws don’t cover this kind of obstruction. When people complain, the boxes get moved down the street or to another neighborhood.

In New York it’s illegal to place collection bins on public sidewalks, city property, or private property without permission. The law went into effect because theses boxes become  obstructions and eyesores that overflow and attract trash and graffiti. 

The bigger problem, though, is that the for-profit bins still give off that charity vibe with vaguely generous slogans written on the sides. There’s nothing to say they’re part of a profit-making operation. It’s a good bet that most clothing donors think they’re donating to the less fortunate instead of a company’s bottom line.

Deception aside, however, recycling clothing in whatever form is a good idea.

New York City has collected half a billion tons of recyclables so far in 2014 but there’s a lot to recycle beyond bottles, cans and paper and clothing is the next frontier.

Re-fashioNYC,  a clothing and textile recycling initiative, puts recycling bins into office and large apartment buildings and sends donations to Housing Works where they are sold to the public or recyclers. So far this year the program has collected 823,000 pounds of clothing.

And we city dwellers know that if you leave anything that’s even vaguely re-useable along with your garbage on the sidewalk, it’s likely to be scarfed up in minutes. Now, the NYC Stuff Exchange lets you go online to find locations citywide to donate, sell or buy used clothing.

And on Friday, August 15, ReuseNYC Thrift Store Day will encourage second lives for used clothing with discounts at thrift stores throughout New York.

Telemarketing Calls Plague Consumers

Do telemarketers keep your phone ringing? It’s likely that even though you listed your number on the Do Not Call Registry, unwanted telemarketers still work the phones and find your number. These telemarketing calls plague consumers nationally. 

The Consumer Federation of America (CFI) and the North American Consumer Protection Investigators (NAPI) found Do Not Call Registry violations and telemarketing abuses filled the fastest growing complaint slot in the  consumer complaint survey for 2013.

Do Not Call Registry“Despite the national Do Not Call Registry, strict rules concerning robocalls, and other protections, unwanted and fraudulent phone calls are still plaguing American consumers,” said Susan Grant, Director of Consumer Protection at CFA.

The groups used state and local consumer officials to help gather complaints.  And all seem to agree that we can blame innovations in technology for the barrage of phone calls.

Amber Capoun, president of  North American Consumer Protection Investigators and a legal assistant in the office of the State Banking Commission in Kansas, said, “Internet phone service, Caller ID spoofing software, prepaid cell phones that scammers buy anonymously and discard, auto-dialers and other technology make it easy and inexpensive for crooks to contact U.S. consumers from anywhere in the world.”

The top 10 consumer complaints for 2013 are:

1. Auto: Misrepresentations in advertising or sales of new and used cars, lemons, faulty repairs, leasing and towing disputes

2. Home Improvement/Construction: Shoddy work, failure to start or complete the job

3. Credit/Debt: Billing and fee disputes, mortgage modifications and mortgage-related fraud, credit repair, debt relief services, predatory lending, illegal or abusive debt collection tactics

4. Retail Sales: False advertising and other deceptive practices, defective merchandise, problems with rebates, coupons, gift cards and gift certificates, failure to deliver

5. Services: Misrepresentations, shoddy work, failure to have required licenses, failure to perform

6. Utilities: Service problems or billing disputes with phone, cable, satellite, Internet, electric and gas service

7. Landlord/Tenant: Unhealthy or unsafe conditions, failure to make repairs or provide promised amenities, deposit and rent disputes, illegal eviction tactics

8. (tie) Home Solicitations: Misrepresentations or failure to deliver in door-to-door, telemarketing or mail solicitations, do-not-call violations

  1. 8. (tie) Internet Sales: misrepresentations or other deceptive practices, failure to deliver online purchases
  1. 9.  Health Products/Services: Misleading claims, unlicensed practitioners, failure to deliver

10. Fraud: Bogus sweepstakes and lotteries, work-at-home schemes, grant offers, fake check scams, imposter scams and other common frauds

The two groups also put together a separate list of the worst complaints. These complaints either are the most unscrupulous, meanest, or cost the victims the most money.

Top 5 Worst Complaints 

1. Scams against the elderly.
2. Home improvement and construction.
3. Sudden business closings that left consumers in the lurch.
4. Phony sweepstakes and lotteries.
5. Landlord and tenant disputes.

Fleeced Military Members Get Debts Forgiven

You’d think military members might automatically get a fair shake when they go to buy something or try to finance it. That, apparently, is the naive view.  

And New York Attorney General Eric Schneiderman, 12 other state attorneys general and the Consumer Financial Protection Bureau (CFPB) remind us, once again, that some make millions preying on men and women in the military.

The latest outrage involves Colfax Capital Corporation and Culver Capital, LLC, known as Rome Finance.

An investigation found that more than 17,000 service members and other consumers came up on the short end of the stick with Rome Finance. Now the fleeced military members will get debts forgiven to the tune of $92 million.

Rome Finance set up kiosks near military bases and offered  computers, TVs, games and other electronic devices and equipment with an irresistible lure of no money down and instant financing.  They used typical predatory lending tactics.

The devil was in the small print of the contracts consumers signed. The CFPB says, “Rome Finance . . . masked expensive finance charges by artificially inflating the disclosed price of the consumer goods being sold. Rome Finance also withheld information on billing statements and illegally collected on loans that were void.”

It started innocently enough when a buyer filled out a credit application at the kiosk and signed financing agreements that did not accurately disclose the amounts they would have to pay for that financing.

CFPB Director Richard Cordray said the company’s, “. . . long run of picking the pockets of our military has come to an ignominious end.”

 It turns out the California based company was not licensed to lend money in any state and charged higher annual percentage rates than some states allowed.

 As a result of the Rome Finance settlement with the CFPB and 13 state attorneys general, service members can keep what they bought, but they won’t have to pay the debts.  All collections will be stopped on the $60 million contracts owed by 12,000 consumers and $32 million more owed by more than 5,000 consumers who had financing agreements.

Rome will also have to notify credit reporting agencies and service members that the debt is no longer owed.

The company filed for bankruptcy, is out of business, and its owners Ronald Wilson and William Collins are permanently banned from conducting any business in the field of consumer lending.

Tell us if a company picked your pocket.

 

Bad Guy With Gun Starts Wild West Shootout in West Village

by Barbara Nevins Taylor

It’s quiet, even a little sleepy, on West 4th Street on Mondays in July.  Tourists usually take the day off.  And that was a good thing on July 28. Innocent bystanders didn’t get hurt when a bad guy with a gun started a Wild West shootout in the heart of the West Village.  The gun violence left him dead and three law enforcement officers wounded.

Shooting on West 4th 5 The law enforcement officers,  two U.S. Marshals and an NYPD detective, part of the fugitive task force,were doing their job.  They  followed a lead to a head shop on West 4th to arrest suspected child molester Charles Mozdir.

charles-mozdir1Two years ago, the Coronado Police Department in the San Diego, California area put out a fugitive alert for him. It’s safe to say that  Mozdir was the worst kind of creep.  He’d  been taking care of friends’ four year old son while he was ill, and the little boy told his parents that Mozdir abused him.

He was arrested, released on bond, and then failed to show up in court. Recently, the case gained national attention when the new CNN show, “The Hunt,” with John Walsh, featured Mozdir and showed his photo.

A tipster called and provided the address of the smoke shop on West 4th where Mozdir worked. The Coronado Police alert warned that Mozdir had a handgun registered to him and possibly a second handgun. He’d also made threats to take his own life and kill the father of his victim.

Shooting on West 4th 3The Fugitive Squad found Mozdir working in the smoke shop.  Investigators, as of this posting, are still figuring out what happened. But it’s thought that NYPD detective Mario Munoz entered the store first. He saw Mozdir and went out to get the marshals waiting on the narrow sidewalk.  When the three went in, Mozdir opened fire, according to Police Commissioner William Bratton.

Mozdir fired at least four shots from a 32-caliber gun and the law enforcement officers fired back, killing him. But the officers were wounded and are reportedly in stable condition. Mayor Bill de Blasio said their injuries don’t appear life-threatening.

Here we have a case of a bad guy with a gun, wounding three good guys. And it’s yet another reminder that guns do hurt people, good people.

The group Everytown for Gun Safety points out 86 people in the U.S. are killed by gun violence every day.  One of the law enforcement officers could easily have been a victim on West 4th Street.  NYPD Police Commissioner Bill Bratton said the bulletproof vest saved this detective.

But two big questions remain: what was a man like Charles Mozdir doing with guns? And when will we have sensible laws that keep guns out of the hands of bad guys?

 

Capitol Hill Hearing On The Future Of Medicare Advantage

Medicare Advantage seems to work for the 16 million who signed on to this form of managed Medicare.  And it’s appealing to many more.

More than half of those who enroll in Medicare for the first time, choose a Medicare Advantage plan. Private insurers like United Healthcare or Humana set up and run the plans.  But this year insurers made surprise changes and dropped doctors and healthcare providers in some areas. That prompted a public outcry.

The House Ways and Means Committee held a Capitol Hill hearing on the future of Medicare Advantage. With Republicans and Democrats at odds about practically everything, you can bet there was little agreement about what works and doesn’t in the world of Medicare Advantage.

Texas Republican Congressman Kevin Brady opened the hearing with the dire analysis that the Affordable Care Act has harmed Medicare Advantage and will continue to do so.

The Affordable Care Act called for lower payments to insurers and sharpened the rating system about performance and delivery of services. You’d think that would be a welcome idea. Instead, critics of the Obama administration suggest this will lead to higher payments for Medicare recipients.

At the hearing,  Dr. Robert Book a health policy analyst with the right-leaning, think tank, American Action Forum said, “Every beneficiary will experience some combination of higher co-payments, higher deductibles, a higher premium in excess of the Part B premium, reduced plan benefits services, and or smaller network providers.

But the sky is falling theory was challenged by the testimony of Medicare Rights Center President Joe Baker. He said, “The ACA (Affordable Care Act) strengthened the program for future and current enrollees. In addition to improving Medicare’s overall financial outlook, the ACA enhanced MA (Medicare Advantage) through added benefits, fairer cost sharing, and improved plan quality.”

Baker pointed out that streamlining the system wouldn’t hurt. And in fact, callers to the Medicare Rights Center’s helpline, and those who’ve talked to ConsumerMojo complain about the complexity of choices that leads to confusion.

Baker suggested that Congress fund state health insurance assistance programs fully so that they can help confused consumers. In addition, he also called for the passage of the Medicare Advantage Participant Bill of Rights Act.

The bill was introduced in June of 2014 by Democratic Congresswoman Rosa De Lauro of Connecticut and Democratic Senator Sherrod Brown of Ohio.

The act aims to prevent insurers from dropping doctors and other healthcare providers from their plans mid-year and causing havoc for consumers who are locked into Medicare Advantage plans.

When they introduced the plan Senator Brown said, “This bill would protect patients by making sure Medicare Advantage plans do not remove providers without warning or during the middle of a plan year.”

And Representative De Lauro suggested money, not quality, affected decisions to drop doctors and providers. “Congress has to hold these companies accountable, and make sure they are putting the care of their enrollees ahead of their profits.”

Citi $7 Billion Settlement Hits Home

by Barbara Nevins Taylor

Citigroup’s $7 billion dollar settlement comes long after many homeowners hurt by bad banking practices and their own optimism lost their pride, their homes and the sense that they can invest in the American Dream.

For years, I reported about homeowners who signed up for mortgages they couldn’t afford with interest rates that would ultimately sink them. They borrowed from Citi and practically every other bank you can name. Often these deals were done through mortgage brokers and no one seemed to care about the long-term consequences for the new homeowners. They practiced mortgage fraud, and got away with it for a long time.

The story of a man name Jeffrey stays with me. He bought a house he couldn’t afford in Brooklyn and began to renovate it. Pretty soon, his work on the home pitched him deeper into debt. When he approached a mortgage broker about refinancing, the broker suggested that Jeffrey, whose credit was bad, get a straw buyer to take a mortgage for him. In other words,  he asked Jeffrey to turn over the deed to someone else and ask that person to get a new mortgage.

Jeffrey asked a waitress at the diner where he had breakfast every morning to help him, and the 22-year-old agreed to apply for the loan.

There was no way that she qualified for a mortgage. She made the minimum waitress wage at the diner and tips. She told me she didn’t earn more than $24,000 a year. Yet the paperwork went through and she got the mortgage. The broker took a big chunk of the cash that came with the refinancing and the lawyers involved received their fees. The young woman never made a payment and found her credit was ruined.  Jeffrey couldn’t pay the mortgage and he faced the real prospect of losing his home.

I met Jeffrey after the home went into foreclosure. When I called the bank involved and asked how a loan like this could ever have been made, I was told, “It’s our business model.”

That’s the same model banks big and small used, because whether a man like Jeffrey or a young woman like the waitress could repay the loan didn’t matter.  Banks made the mortgages quickly and just as quickly bundled them and sold them as securities. If anyone looked at the paperwork, they would have discovered that many individual borrowers couldn’t possibly repay their loans.

So now here we are years later, and the Citi $7 billion settlement hits home. The bank takes responsibility for packaging, securitizing, marketing and selling residential-backed securities and misleading investors before January 1, 2009.

The court papers include internal emails like this one where a Citigroup trader stated that he “went through the Diligence Reports and think[s] [they] should start praying . . . [he] would not be surprised if half of these loans went down. . . It’s amazing that some of these loans were closed at all.”

The settlement requires Citigroup to pay $2.5 billion to help consumers hurt by the bank’s practices.  This will include:

  • Loan modifications.
  • Refinancing for distressed borrowers.
  • Down payment and cost assistance to others.
  • Donations to organizations assisting communities to develop affordable housing or rehabilitate existing buildings.

Attorney General Eric Holder said, “This historic penalty is appropriate given the strength of the evidence of the wrongdoing committed by Citi. The bank’s activities contributed mightily to the financial crisis that devastated our economy in 2008. Taken together, we believe the size and scope of this resolution goes beyond what could be considered the mere cost of doing business.”

In addition to money for consumers:

$4.5 billion will be paid to settle federal and state civil claims including $102.7 million to settle claims by the state of California, $92 million to settle claims by the state of New York, $44 million to settle claims by the state of Illinois, $45.7  million to settle claims by the Commonwealth of Massachusetts, and $7.35 to settle claims by the state of Delaware.

This settlement is part of the ongoing efforts of President Obama’s Financial Fraud Enforcement Task Force’s RMBS Working Group, which has recovered $20 billion to date for American consumers and investors.

Tell us your story. We want to continue to report about what happened.

 

De Blasio Visits Beauty Salons to Promote Expanded Pre-K

by Barbara Nevins Taylor

Gerta Lami and her four-year-old son Eli got lucky. They bumped into New York City Mayor Bill de Blasio and his entourage on Flatbush Avenue, in Brooklyn, just as the mayor held up a bunch of flyers to promote the expanded pre-K program.

de Blasio and flierHe leaned into the crowd and asked, “You know why were here? For you and your family. Full day pre-K. Free. Spread the word.”

Because the newly created pre-K slots in public schools filled up quickly, the mayor expanded city-funded pre-K to approved  neighborhood centers, private schools, pre-schools and museums.

Gerta and EliGerta heard the mayor loud and clear.

She  worked her way through the crush of shoppers taking photos with him and explained that Eli is on a waiting list for pre-K programs in several public schools. Mayor de Blasio motioned to Lucas, a  staffer, wearing a gold Department of Education t-shirt. Lucas explained the new opportunities and promised to help Gerta find an open slot. He said, “It’s not a problem. We’ll find a spot for him.”

Gerta hugged Eli and smiled. She’d been working hard to try to get him into school. “He’s number 6 on a waiting list at one of the public schools where we applied, and this is a relief. I hope it works,” she told us.

de Blasio, Mother, Daughterde Blasio treated the outing like a campaign event. He worked his way through the crowd  and up the stairs to Barry’s Beauty Bar, a popular Flatbush Avenue salon. He chatted up the ladies and asked them to share the news about the expanded pre-K program.

Jean Dorvil and his 8-year-old daughter Shamah stood on the sidewalk outside hoping to snap a photo with the mayor. “I want to see a superstar,” Shamah said.  For a little bit, de Blasio seemed like a superstar here as people shouted, “That’s my mayor.”

Jean and Shamah Dorvil told us he hoped to get information about pre-K for his four-year-old nephew Mike. And when father and daughter did get close to de Blasio the mayor suggested that those who know someone who needs pre-K should sign up soon. “Don’t wait,” he said repeatedly. “Promise me you’ll spread the word and get children signed up right away.”

Beauty salon woman taking selfieTowering above most everyone, Mayor de Blasio stopped to take photos and make his pitch to get the word out that pre-K slots are available now in the expanded community-based program.

de Blasio and beauty salon customerIn Total Hair Salon on  Church Avenue the beauticians and customers left their chairs to follow him around the big shop.

They gathered around him in a semi-circle and de Blasio explained what he wanted, “You can sign up for pre-K right now. It will make a huge difference in a child’s life. It’s available for free. Take advantage of it.”

Beauty Salon SignHe certainly chose the right audience. A sign at the front of the shop read, “Please do not bring your children to store while you are working. This is not a daycare.”

If your child is eligible for pre-K, or you know someone with a child who needs it, you can call 311 or find a list of available community based pre-K programs at nyc.gov/prek.

 

 

Fallen FDNY Firefighter Defines Heroism

 

by Barbara Nevins Taylor

 

We talk a lot about heroism. And we can argue about whether superstar athletes and noisy politicians and even pundits fall in this category. But we can’t argue about the heroism of men and women who put their life on the line every day to help others. Lt. AmbelasThe funeral of 40-year-old New York City Fire Department Lt. Gordon Matthew Ambelas served as a reminder to us all of what heroism really means. The fallen FDNY firefighter defines heroism. Lt. Ambelas, a 14-year FDNY veteran, was overcome by flames and smoke searching for survivors in a high-rise fire in Williamsburg on Saturday, July 5. An estimated 7,000 firefighters from New York City, Philadelphia, Boston and Canada put on their dress blues and white gloves and came to Staten Island to mourn one of their own. They stood silent and still, in some places eight deep, shoulder-to-shoulder, on one side of the narrow stretch of Nelson Avenue that leads to St. Clare’s Church in Great Kills. Ambelas FuneralTwo fire trucks from houses where Lt. Ambelas worked led the funeral procession, followed by the Emerald Society Pipes and Drums wearing traditional kilts. They played a rhythmic dirge on drums covered in black and after them came firefighters who flanked the fire truck that carried the American flag-draped coffin of Lt. Ambelas. In the church, New York City Mayor Bill de Blasio gave the first eulogy. He said, “A historian wrote some years ago, ‘Every hero mirrors the time and place in which lives. He must reflect our innermost hopes and beliefs in a very public way.’ And that was certainly true of Matt. His life embodied the values that we as New Yorkers cherish most.

“He was very hard-working. We honor that hard work. He was dedicated. He was a man for whom diligence came easily. Dedication was pervasive in him. And through his hard work he won the rank of lieutenant. “

The loss is difficult for the FDNY and the city at large, but it is tragically personal for his widow Nanette and their beautiful daughters, eight-year-old Gabriella and five-year-old Giovanna. Nanette Ambelas asked a friend to read the eulogy she wrote for her husband. Margaret Gulliksen read the description of his warm, loving relationship with Mrs. Ambelas and their daughters and then read perhaps the most poignant lines, “How am I supposed to breathe without you? Who will pick me up when I fall?” Mrs. Ambelas wrote. I hope Nanette Ambelas and her daughter find their way.  Even deep in their tragedy they have a head start on many. Our real heroes pick us up when we fall and often provide the inspiration and courage for the rest of us to make our own way. It sounds like Lt. Ambelas did that and more for his family and the city. Flag draped coffinNext time someone mentions the word hero, think about  Lt. Gordon Matthew Ambelas.    

Mayor de Blasio Signs Immigrant ID Card Law

by Barbara Nevins Taylor

Mayor de Blasio assured naysayers today that the immigrant ID card legislation he signed into law will protect the privacy of undocumented immigrants.

The mayor used the backdrop of the Brooklyn Public Library, with City Council Speaker Melissa Mark-Viverito by his side, as he officially created the New York City Municipal Identification Card. The library will serve as one of the many walk-in enrollment centers where you can sign up for a card when the program kicks off in January 2015.

He said, “. . . this card is important for all New Yorkers. It is important for all of us to have a better city. Even for those who already have ID, we’re going to make sure that this card brings a lot to the equation, a lot of benefits that will go with it. But for those who don’t have ID, it’s going to be crucial. And that includes a lot of people.”

Almost half a million undocumented immigrants can apply for the card. In addition, those leaving prison and hoping to start again are eligible. The program also hopes to help older people without driver’s licenses, young people in foster care and transgender people.

The city plans to make enrollment widely accessible using an online site and mobile enrollment units that tour the city.

The idea is get those who need the ID card to enroll quickly and to get banks and other institutions to recognize it as a legitimate form of ID.

Mayor de Blasio said,  “A lot of work has gone into making sure that privacy rights are respected in this process. The information necessary to provide the ID cards will not be shared with any other government agency or third party, except in two situations. One, when verifying the individual’s path to eligibility for benefits they have applied for. The individual applies for benefits and that verification has to happen, that’s something that the individual chooses to act on. And second, of course, in response to a court order, subpoena or warrant. But the applicants will not be asked about immigrant status.”

 

Violence And the Elderly

By Barbara Nevins Taylor

67-year-old Thomas Yarnavick looked more like a nursing home resident than a killer when he appeared before Judge Dorothy Chin-Brandt in Queens Supreme Court and she sentenced him to 17 years in prison.

The facts were plain and he admitted to them. Yarnavick said he and his 71-year-old roommate at the Beacon Rehabilitation and Nursing Center in Rockaway Park argued about closing the white curtain that separated their beds.

When the argument in the early hours of October 2013 got too much for him, Yarnavick admitted he took off the metal footrest from a wheelchair and hit his roommate, Jailail Singh, in the head repeatedly. He then hid the bloody footrest in a hamper.

District Attorney Richard Brown said, “This was a particularly senseless and disturbing killing of a man living out his days at a nursing facility.”

It was disturbing and senseless. Certainly, it’s extreme. But if you spend any time in a congregate care facility for elderly people, you might not find this so surprising. 

My 90-something mom lived at a beautiful and well-run assisted living facility, but there was a man who was nasty and mean to some of the other residents. Staffers told me that one day, he was picking on a woman who started to cry.

My mom saw the woman crying and marched over, pushing her walker as fast as she could. She took the woman by the arm and pulled her away. “Stay away from him. He’s a bully. Don’t let him make you cry,” she said.

This made my mother a hero to her friend and the staff. But it’s also an insight into the human dynamics of a place where people live in close proximity and get on each other’s nerves.

Intervention is not always possible. Tempers flare and when they do, some resort to violence.

The  U.S. Department of Justice (DOJ),  the Department of Health and Human Services (HHS) and the Department of Aging are trying to raise awareness and prevent violence against the elderly and elder abuse. Researchers estimate that one in ten Americans over 60 experience abuse.

The numbers are muddy because crimes by and against the elderly often go unreported. But it’s thought that 5 million older people face some kind of abuse, whether it’s physical, psychological, financial, or neglect, annually.

For those of us in the Baby Boom generation, violence and the elderly is a serious concern. The Obama administration and advocates say they want to aggressively tackle the potential threat of violence to a huge segment of the population.

Kathy Greenlee, HHS’ assistant secretary for aging and administrator of the Administration for Community Living, said, “From now until 2030, every day, about 10,000 baby boomers will celebrate their 65th birthday. And the fastest-growing population is people 85 years old and older. Stemming the tide of abuse will require individuals, neighbors, communities, and public and private entities to take a hard look at how each of us encounters elder abuse—and commit to combat it.”

Advocates created what they call the Elder Justice Roadmapwhich highlights a government effort to combat violence. They plan a series of workshops and symposia to tackle the issue.  Two New York institutions, the Brookdale Center for Healthy Aging at Hunter College, the Harry and Jeannette Weinberg Center for Elder Abuse Prevention at the Hebrew Home at Riverdale, and the New York City Elder Abuse Center will be co-sponsoring a symposium in September 2014.

 

Payday Lender to Refund $5 Million

If you ever felt strapped for cash and were tempted to take a payday, or short-term, loan, you know what happens next. Interest rates spiral out of control, you may borrow a second or third time and you end up owing much more than you ever thought you would.

So it’s welcome news that the Consumer Financial Protection Bureau (CFPB) cracked down on ACE Cash Express, one of the largest payday lenders in the U.S. The bureau found the company’s 2011 training manual offers an outrageous example of how it lures consumers into loan after loan.

The CFPB says a 2011 ACE training manual describes the way the company operates.

According to the CFPB a training manual graphic says, “Consumers begin by applying to ACE for a loan, which ACE approves. Next, if the consumer “exhausts the cash and does not have the ability to pay,” ACE “contacts the customer for payment or offers the option to refinance or extend the loan.” Then, when the consumer “does not make a payment and the account enters collections,” the cycle starts all over again—with the formerly overdue borrower applying for another payday loan.”

The CFPB charges ACE used these illegal tactics:

  • Harassed borrowers.
  • Falsely threatened lawsuits.
  • Falsely threatened criminal prosecution.
  • Created a false sense of urgency about repayment so that people would borrow again.

Borrowers victimized by these payday loans will get something back. ACE will pay $5 million in refunds and pay a $5 million penalty.

The company based  in Irving, Texas offers payday loans, check-cashing services, title loans, installment loans, and other consumer financial products and services online. It also operates 1,500 retail storefront operations in 36 states and the District of Columbia. 

CFPB Director Richard Cordray said, “This culture of coercion drained millions of dollars from cash-strapped consumers who had few options to fight back.