All posts by Barbara Nevins Taylor

Can You Get a Refund From DeVry University?

Bad news about the worth of a for-profit higher education continues to pile up. The latest involves DeVry University, one of those schools that advertise heavily on the New York City subways and elsewhere. DeVry University and its parent company will pay $2.25 million to students who didn’t get what the school promised them, thanks to a lawsuit and settlement with New York Attorney General Eric T. Schneiderman.

This settlement comes at a time when the Trump administration may relax vigilance on the for-profit higher education business that rakes in $32 billion a year from taxpayers in student grants and loans. The Obama administration, with the Consumer Financial Protection Bureau, and state officials like Schneiderman, have pursued the false claims of many of these schools that often leave students with worthless degrees and deeply in debt.

Before his inauguration, Donald Trump settled a $25 million dollar lawsuit for Trump University, which made false promises and cost students thousands of dollars.

Trump’s Education Secretary nominee, Betsy DeVos, has a history of supporting for-profit schools and refused at her Senate confirmation hearing to say whether she would crackdown on abuses by these operations.

 

Back to DeVry, which runs 55 schools across the country and an online program from its Illinois headquarters. The lawsuit says, it falsely advertised that 90 percent of its graduates get good paying jobs in their fields of study and claimed higher rates of placement and higher salaries than other colleges and universities.

As a result the settlement DeVry will have change its pitch to prospectives and pay $500,000 in penalties in addition to restitution to graduates.

Can you get a refund from DeVry University?

If you didn’t get a job within six months in the field in which you studied at DeVry you may qualify for reimbursement.

The New York Attorney General’s lawsuit helps only New York residents. But the Federal Trade Commission also sued DeVry and that case may help others around the country. We’ll keep you updated on that.

Here’s who qualifies, in New York, for restitution from DeVry.

  • Graduates of associates and bachelor’s degree programs at DeVry campuses in New York who started school in July 2008 and September 2015 
  • New York residents who graduated from DeVry online associates or bachelor’s programs and began studying in July 2008 and September 2015.

Again, you should get the forms in the mail and make sure you fill out the portion that asks about your employment up to six months after graduation. 

 

 

The Statute of Liberty Sheds A Tear

 

by Barbara Nevins Taylor

We can feel it. The Statue of Liberty, America’s beacon of hope and promise to the world, sheds a tear. President Donald Trump closed the doors to immigrants for the next 120 days and barred Syrian refugees indefinitely. He also barred entry for citizens of seven predominately Muslim countries: Iraq, Iran, Libya, Somalia, Sudan, Yemen and Syria.

This is not the America we know and love. This is not the country that welcomed my grandparents from Eastern Europe, my husband’s dad from Great Britain and our friends from all around the globe.

We apologize to you for what we hope is a temporary blip in national policy and we know that we are not alone.

Immediately after Trump issued his executive order, reports came in about travelers detained at airports across the U.S. This reckless act also serves to block green card holders who have worked in the United States and are traveling abroad.

Bloomberg News reported that Alphabet, Google’s parent company, said that the order will affect more than 100 of its employees. Google C.E.O. Sundar Pichai asked employees with work visas who were traveling overseas to come home immediately.

New York Governor Andrew Cuomo released the following statement: “I never thought I’d see the day when refugees, who have fled war-torn countries in search of a better life, would be turned away at our doorstep.

“We are a nation of bridges, not walls, and a great many of us still believe in the words ‘Give me your tired, your poor, your huddled masses…’ This is not who we are, and not who we should be.

“I have directed the Port Authority, the Department of State, and my Counsel’s Office to jointly explore all legal options to assist anyone detained at New York airports, and ensure that their rights are protected. “America is a nation of laws and those laws provide rights that must be respected and followed regardless of political ideology.”

What Protestors Say And What Trump Did

 

by Barbara Nevins Taylor

We wonder now how people who oppose Donald Trump’s policies will channel their energies into effective action.  After the Women’s Marches, Trump issued a flurry of executive orders that can create chaos for people who need health insurance, deny a woman’s right to choose, threaten immigrants with deportation and separate America from its traditional and new allies. 

WATCH THE VIDEO OF THE WOMEN’S MARCH

Here’s the list of his executive orders so far:

1. Provide Relief From The Affordable Care Act

This allows federal officials to waive any rules or restrictions of the Affordable Care Act that “impose a financial or regulatory burden” on states or people.

2. Freezes All Regulations

This gives his administration to delay implementation of regulations until his administration reviews them, or beyond.

3. Blocks Taxpayer Money To Fund Birth Control Projects Abroad

This reinstates the “Mexico City Abortion” policy that blocks the use of taxpayer money to fund foreign non-governmental groups that promote abortion.

4. Ends The Trans-Pacific Partnership

The Senate never ratified the agreement between the U.S. and 11 Pacific countries. But Trump nixed it anyway.

5. Freezes The Federal Work Force

6. Approved Pipelines

Environmentalists and President Obama opposed the Dakota Access Pipeline and the Keystone XL Pipeline. Trump’s executive order asks for expedited review and construction of the Dakota Access Pipeline and asks TransCanada to resubmit an application for the Keystone XL Pipeline. Both pipelines would carry oil from Canada down across the U.S. to the Gulf of Mexico.

7. Speeds Review of Infrastructure Projects

Trump claims that projects have been delayed by “agency processes and procedures.” So he wants to speed them up.

8. Use American-Made Steel And Metal

Trump asked the Secretary of Commerce to draw up a Made-In-America plan to try to  use American-made steel and metal when possible in pipelines and infrastructure projects.

9. Effort To Streamline Domestic Manufacturing

Trump asked the Secretary of Commerce to work with manufacturers and create a plan to streamline permitting for manufacturers.

10. Wants To Build A Wall

Trump plans to begin building a wall along the border between Mexico and the U.S. He will add 5,000 more border patrol agents if money is available and construct detention facilities near the border.  He will also review all funding to Mexico.

11. Pursues Undocumented Immigrants

  • He will block federal funds to sanctuary cities that don’t cooperate with federal agents to arrest undocumented immigrants.
  • He will create a priority list of immigrants for deportation targeting those who have been arrested, apparently even for minor crimes.
  • If money is available, he’ll hire 10,000 immigration officials.
  • His administration will create a weekly list of crimes committed by immigrants.
  • He’ll create an “Office for Victims of Crimes Committed by Removable Aliens.”
  • He’ll reinstate the Secure Communities Program that allows local law enforcement officials to act as federal agents.

 

Citi May Owe You Money Because Of Bad Mortgage Practices

 

In the despicable category,  companies run by big banks like Citi take advantage of struggling homeowners who try to hang on to their homes. Now CitiMortgage and CitiFinancial Servicing will pay the price, a whopping $28.8 million in a settlement with the Consumer Financial Protection Bureau (CFPB).

CFPB Director Richard Cordray said, “Citi’s subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes. Consumers were kept in the dark about their options or burdened with excessive paperwork. This action will put money back in consumers’ pockets and make sure borrowers can get help they need.”

About 20,000 borrowers learned that they could defer their payments, but they weren’t told that the interest would add up and come due immediately at the end of the deferment period. This added to their loans and violated deceptive lending laws.

CitiFinancial Servicing did not cancel credit insurance bought by 7,800 consumers whose loans went into default. Instead, between July 2011 and April 30, 2015, it continued to collect the money.

On the other hand, it prematurely canceled credit insurance for some customers.

And then, it sent inaccurate information to the credit reporting companies.

As a consequence of all this, the CFPB order CitiFinancial Servicing to pay $4.4 million in restitution to consumers and pay a $4.4 million civil penalty.

CitiMortgage will pay $17 million in restitution directly to 41,000 consumers who received confusing information about what documents they needed to provide to pay off their mortgages. The CFPB said, “Many of these documents had nothing to do with a borrower’s financial circumstances and were not actually needed.”

The CFPB ordered CitiMortgage to freeze foreclosures imposed during its bad practices and to pay a civil fine of $3 million.

 If you think CitiMortgage or CitiFinancial Servicing misled you, sit tight. The companies should notify you within 60 days. If you don’t hear from them you can contact the Consumer Financial Protection Bureau: http:www.consumerfinance.gov, or call 855-411-2372.

We will point out that the Consumer Financial Protection Bureau may come under fire from the Trump Administration. Republicans have criticized the bureau’s work and want to take away some of its power or kill it entirely. 

If you think this valuable bureau should continue, contact your U.S. representative or your U.S. senator. 

Here’s where to find your representative: http://www.house.gov/htbin/findrep

Here’s where to find your senator:

https://www.senate.gov/senators/contact/

 

 

 

 

 

 

 

On The Women’s March To Washington

The Amtrak train to Washington was filled with women and men determined to challenge Donald Trump’s dark and retrograde views of America.

Andrea Kihlsted put on her pink pussy hat, to show defiance and to mock Donald Trump’s vulgar comment about women caught on an “Access Hollywood” tape. “What’s happening with Trump’s election is the most disturbing thing in my 71 years,” she said. “I think it has a serious chance of undermining our democracy.  I haven’t done much since the Vietnam war. But since the election, he has done nothing positive. He was a buffoon before. Now he is dangerous.” 

Her seat mate Karen Kendrick said, “I think for me, ‘Make America Great Again’ really means make America white again. And if you are black, Hispanic or Muslim or other, I’m going to stand up and support you. You are not alone.” 

Virgina Kallianes, an attorney, traveled with four other women from New York. She said,” I’ve been doing this for 30 years. This is the absolute worst case scenario. I’m just horrified and disgusted. The issues Trump’s election raise affect everyone. I’m talking about economics, minorities, civil rights.

“But I’m concerned about the fact that he got elected and what it says about our society and the approval of Trump’s misogynistic, racist views. He gave permission for people to come out from under a rock.” 

 Judy La Pook, part of Virginia’s group, said, “We’ve been fighting since the 1970s for reproductive rights. Now decades later we are fighting for something we thought we already won. It is very discouraging. But we have to do it. 

Sitting nearby, Marilyn Elson quietly knitted a burgundy pussy hat. She said, “I’m going to Washington because it is a human right to choose what you want to do with your own body and taking away that right is something that women and men can not let him do.

Carl Mulert and a friend traveled together. He said, “I’m going because that man is not my president. I hope he notices that he works for us and that we are his employer. All of us who are marching are his employer and he is answerable to us.”

On the march itself, women men and children echoed what everyone on the train said.

SEE WHAT TRUMP HAS DONE SINCE. WATCH THE VIDEO

 

 

 

President Obama’s Last News Conference

 

“There is a core decency in this country,” President Obama said at his final news conference. “There are a lot more good people than bad in this country” 

His last meeting with reporters displayed his optimism and it’s worth watching and reading.

 

THE PRESIDENT:  Good afternoon, everybody.  Let me start out by saying that I was sorely tempted to wear a tan suit today — (laughter) — for my last press conference.  But Michelle, whose fashion sense is a little better than mine, tells me that’s not appropriate in January.

 

I covered a lot of the ground that I would want to cover in my farewell address last week.  So I’m just going to say a couple of quick things before I start taking questions.

 

First, we have been in touch with the Bush family today, after hearing about President George H.W. Bush and Barbara Bush being admitted to the hospital this morning.  They have not only dedicated their lives to this country, they have been a constant source of friendship and support and good counsel for Michelle and me over the years.  They are as fine a couple as we know.  And so we want to send our prayers and our love to them.  Really good people.

 

Second thing I want to do is to thank all of you.  Some of you have been covering me for a long time — folks like Christi and Win.  Some of you I’ve just gotten to know.  We have traveled the world together.  We’ve hit a few singles, a few doubles together.  I’ve offered advice that I thought was pretty sound, like “don’t do stupid…stuff.”  (Laughter.)  And even when you complained about my long answers, I just want you to know that the only reason they were long was because you asked six-part questions.  (Laughter.)   

 

But I have enjoyed working with all of you.  That does not, of course, mean that I’ve enjoyed every story that you have filed.  But that’s the point of this relationship.  You’re not supposed to be sycophants, you’re supposed to be skeptics.  You’re supposed to ask me tough questions.  You’re not supposed to be complimentary, but you’re supposed to cast a critical eye on folks who hold enormous power and make sure that we are accountable to the people who sent us here. 

 

And you have done that.  And you’ve done it, for the most part, in ways that I could appreciate for fairness even if I didn’t always agree with your conclusions.  And having you in this building has made this place work better.  It keeps us honest.  It makes us work harder.  It made us think about how we are doing what we do and whether or not we’re able to deliver on what’s been requested by our constituents. 

 

And for example, every time you’ve asked “why haven’t you cured Ebola yet,” or “why is that still that hole in the Gulf,” it has given me the ability to go back to my team and say, “will you get this solved before the next press conference?”  (Laughter.)  

 

I spent a lot of time in my farewell address talking about the state of our democracy.  It goes without saying that essential to that is a free press.  That is part of how this place, this country, this grand experiment in self-government has to work.  It doesn’t work if we don’t have a well-informed citizenry.  And you are the conduit through which they receive the information about what’s taking place in the halls of power.

 

So America needs you, and our democracy needs you.  We need you to establish a baseline of facts and evidence that we can use as a starting point for the kind of reasoned and informed debates that ultimately lead to progress.  And so my hope is, is that you will continue with the same tenacity that you showed us to do the hard work of getting to the bottom of stories and getting them right, and to push those of us in power to be the best version of ourselves.  And to push this country to be the best version of itself.

 

I have no doubt that you will do so.  I’m looking forward to being an active consumer of your work rather than always the subject of it.  I want to thank you all for your extraordinary service to our democracy. 

 

And with that, I will take some questions.  And I will start with Jeff Mason — whose term apparently is not up.  I thought we’d be going out together, brother, but you got to hang around for a while.  (Laughter.) 

 

Q    I’m staying put.

 

THE PRESIDENT:  Jeff Mason, Reuters.

 

Q    Thank you, sir.  Are you concerned, Mr. President, that commuting Chelsea Manning’s sentence will send a message that leaking classified material will not generate a tough sentence to groups like WikiLeaks?  How do you reconcile that in light of WikiLeaks’ connection to Russia’s hacking in last year’s election?  And related to that, Julian Assange has now offered to come to the United States.  Are you seeking that?  And would he be charged or arrested if he came here?

 

THE PRESIDENT:  Well, first of all, let’s be clear, Chelsea Manning has served a tough prison sentence.  So the notion that the average person who was thinking about disclosing vital, classified information would think that it goes unpunished I don’t think would get that impression from the sentence that Chelsea Manning has served.

 

It has been my view that given she went to trial, that due process was carried out, that she took responsibility for her crime, that the sentence that she received was very disproportional — disproportionate relative to what other leakers had received, and that she had served a significant amount of time, that it made it sense to commute — and not pardon — her sentence.

 

And I feel very comfortable that justice has been served and that a message has still been sent that when it comes to our national security, that wherever possible, we need folks who may have legitimate concerns about the actions of government or their superiors or the agencies in which they work — that they try to work through the established channels and avail themselves of the whistleblower protections that had been put in place.

 

I recognize that there’s some folks who think they’re not enough, and I think all of us, when we’re working in big institutions, may find ourselves at times at odds with policies that are set.  But when it comes to national security, we’re often dealing with people in the field whose lives may be put at risk, or the safety and security and the ability of our military or our intelligence teams or embassies to function effectively.  And that has to be kept in mind.

 

So with respect to WikiLeaks, I don’t see a contradiction.  First of all, I haven’t commented on WikiLeaks, generally.  The conclusions of the intelligence community with respect to the Russian hacking were not conclusive as to whether WikiLeaks was witting or not in being the conduit through which we heard about the DNC emails that were leaked.

 

I don’t pay a lot of attention to Mr. Assange’s tweets, so that wasn’t a consideration in this instance.  And I’d refer you to the Justice Department for any criminal investigations, indictments, extradition issues that may come up with him.

 

What I can say broadly is that, in this new cyber age, we’re going to have to make sure that we continually work to find the right balance of accountability and openness and transparency that is the hallmark of our democracy, but also recognize that there are adversaries and bad actors out there who want to use that same openness in ways that hurt us — whether that’s in trying to commit financial crimes, or trying to commit acts of terrorism, or folks who want to interfere with our elections. 

 

And we’re going to have to continually build the kind of architecture that makes sure the best of our democracy is preserved; that our national security and intelligence agencies have the ability to carry out policy without advertising to our adversaries what it is that we’re doing, but do so in a way that still keeps citizens up to speed on what their government is doing on their behalf.

 

But with respect to Chelsea Manning, I looked at the particulars of this case the same way I have for the other commutations and pardons that I’ve done, and I felt that in light of all the circumstances that commuting her sentence was entirely appropriate.

 

Margaret Brennan.

 

Q    Mr. President, thank you.  The President-elect has said that he would consider lifting sanctions on Russia if they substantially reduced their nuclear stockpile.  Given your own efforts at arms control, do you think that’s an effective strategy?  Knowing this office and Mr. Trump, how would you advise his advisors to help him be effective when he deals with Vladimir Putin?  And given your actions recently on Russia, do you think those sanctions should be viewed as leverage?

 

THE PRESIDENT:  Well, a couple of things.  Number one, I think it is in America’s interest and the world’s interest that we have a constructive relationship with Russia.  That’s been my approach throughout my presidency.  Where our interests have overlapped, we’ve worked together.  At the beginning of my term, I did what I could to encourage Russia to be a constructive member of the international community, and tried to work with the President and the government of Russia in helping them diversify their economy, improve their economy, use the incredible talents of the Russian people in more constructive ways. 

 

I think it’s fair to say that after President Putin came back into the presidency that an escalating anti-American rhetoric and an approach to global affairs that seemed to be premised on the idea that whatever America is trying to do must be bad for Russia and so we want to try and counteract whatever they do — that return to an adversarial spirit that I think existed during the Cold War has made the relationship more difficult.  And it was hammered home when Russia went into Crimea and portions of Ukraine.

 

The reason we imposed the sanctions, recall, was not because of nuclear weapons issues.  It was because the independence and sovereignty of a country, Ukraine, had been encroached upon, by force, by Russia.  That wasn’t our judgment; that was the judgment of the entire international community.  And Russia continues to occupy Ukrainian territory and meddle in Ukrainian affairs and support military surrogates who have violated basic international law and international norms.

 

What I’ve said to the Russians is, as soon as you’ve stop doing that the sanctions will be removed.  And I think it would probably best serve not only American interest but also the interest of preserving international norms if we made sure that we don’t confuse why these sanctions have been imposed with a whole set of other issues.

 

On nuclear issues, in my first term we negotiated the START II treaty. and that has substantially reduced our nuclear stockpiles, both Russia and the United States.  I was prepared to go further.  I told President Putin I was prepared to go further.  They have been unwilling to negotiate.  If President-elect Trump is able to restart those talks in a serious way, I think there remains a lot of room for our two countries to reduce our stockpiles.  And part of the reason we’ve been successful on our nonproliferation agenda and on our nuclear security agenda is because we were leading by example. 

 

I hope that continues.  But I think it’s important just to remember that the reason sanctions have been put in place against Russia has to do with their actions in Ukraine.  And it is important for the United States to stand up for the basic principle that big countries don’t go around and invade and bully smaller countries.  I’ve said before, I expect Russia and Ukraine to have a strong relationship.  They are, historically, bound together in all sorts of cultural and social ways.  But Ukraine is an independent country.

 

And this is a good example of the vital role that America has to continue to play around the world in preserving basic norms and values, whether it’s advocating on behalf of human rights, advocating on behalf of women’s rights, advocating on behalf of freedom of the press. 

 

The United States has not always been perfect in this regard.  There are times where we, by necessity, are dealing with allies or friends or partners who, themselves, are not meeting the standards that we would like to see met when it comes to international rules and norms.  But I can tell you that in every multilateral setting — in the United Nations, in the G20, in the G7 — the United States typically has been on the right side of these issues.  And it is important for us to continue to be on the right side of these issues, because if we, the largest, strongest country and democracy in the world, are not willing to stand up on behalf of these values, then certainly China, Russia, and others will not.

 

Kevin Corke.

 

Q    Thank you, Mr. President.  You have been a strong supporter of the idea of a peaceful transfer of power, demonstrated not terribly far from the Rose Garden.  And yet, even as you and I speak, there are more than five dozen Democrats that are going to boycott the inauguration of the incoming President.  Do you support that?  And what message would you send to Democrats to better demonstrate the peaceful transfer of power?

 

And if I could follow, I wanted to ask you about your conversations with the President-elect previously.  And without getting into too much of the personal side of it, I’m just curious, were you able to use that opportunity to convince him to take a fresh look at some of the important ideas that you will leave this office with — maintaining some semblance of the Affordable Care Act, some idea of keeping DREAMers here in the country without fear of deportation.  Were you able to use personal stories to try to convince him?  And how successful were you?

 

THE PRESIDENT:  Well, I won’t go into details of my conversations with President-elect Trump.  As I’ve said before, they are cordial.  At times they’ve been fairly lengthy and they’ve been substantive.  I can’t tell you how convincing I’ve been.  I think you’d had to ask him whether I’ve been convincing or not.

 

I have offered my best advice, counsel about certain issues both foreign and domestic.  And my working assumption is, is that having won an election opposed to a number of my initiatives and certain aspects of my vision for where the country needs to go, it is appropriate for him to go forward with his vision and his values.  And I don’t expect that there’s going to be enormous overlap. 

 

It may be that on certain issues, once he comes into office and he looks at the complexities of how to, in fact, provide health care for everybody — something he says he wants to do — or wants to make sure that he is encouraging job creation and wage growth in this country, that that may lead him to some of the same conclusions that I arrived at once I got here.

 

But I don’t think we’ll know until he has an actual chance to get sworn in and sit behind that desk.  And I think a lot of his views are going to be shaped by his advisors, the people around him — which is why it’s important to pay attention to these confirmation hearings.

 

I can tell you that — and this is something I have told him — that this is a job of such magnitude that you can’t do it by yourself.  You are enormously reliant on a team.  Your Cabinet, your senior White House staff, all the way to fairly junior folks in their 20s and 30s, but who are executing on significant responsibilities. 

 

And so how you put a team together to make sure that they’re getting you the best information and they are teeing up the options from which you will ultimately make decisions, that’s probably the most useful advice, the most constructive advice that I’ve been able to give him.  That if you find yourself isolated because the process breaks down, or if you’re only hearing from people who agree with you on everything, or if you haven’t created a process that is fact-checking and probing and asking hard questions about policies or promises that you’ve made, that’s when you start making mistakes.  And as I indicated in some of my previous remarks, reality has a way of biting back if you’re not paying attention to it.

 

With respect to the inauguration, I’m not going to comment on those issues.  All I know is I’m going to be there.  So is Michelle.  And I have been checking the weather, and I’m heartened by the fact that it won’t be as cold as my first inauguration — (laughter) — because that was cold. 

 

Jen Rodriguez.

    

Q    Right here, Mr. President.  Thank you very much.  You have said that you would come back to fight for the DREAMers.  You said that a couple of weeks ago.  Are you fearful for the status of those DREAMers, the future of the young immigrants and all immigrants in this country with the new administration?  And what did you mean when you said you would come back?  Would you lobby Congress?  Maybe explore the political arena again?  And if I may ask you a second question — why did you take action on “dry foot, wet foot” a week ago?

 

THE PRESIDENT:  Well, let me be absolutely clear.  I did not mean that I was going to be running for anything anytime soon.  (Laughter.)  What I meant is that it’s important for me to take some time to process this amazing experience that we’ve gone through; to make sure that my wife, with whom I will be celebrating a 25th anniversary this year, is willing to re-up and put up with me for a little bit longer.  I want to do some writing.  I want to be quiet a little bit and not hear myself talk so darn much.  I want to spend precious time with my girls. 

 

So those are my priorities this year.  But as I said before, I’m still a citizen.  And I think it is important for Democrats or progressives who feel that they came out on the wrong side of this election to be able to distinguish between the normal back-and-forth, ebb and flow of policy — are we going to raise taxes or are we going to lower taxes; are we going to expand this program or eliminate this program; how concerned are we about air pollution or climate change.  Those are all normal parts of the debate.  And as I’ve said before, in a democracy, sometimes you’re going to win on those issues and sometimes you’re going to lose. 

 

I’m confident about the rightness of my positions on a lot of these points, but we got a new President and a Congress that are going to make their same determinations.  And there will be a back-and-forth in Congress around those issues, and you guys will report on all that. 

 

But there’s difference between that normal functioning of politics and certain issues or certain moments where I think our core values may be at stake.  I put in that category, if I saw systematic discrimination being ratified in some fashion.  I’d put in that category, explicit or functional obstacles to people being able to vote, to exercise their franchise.  I’d put in that category, institutional efforts to silence dissent or the press. 

 

And for me, at least, I would put in that category, efforts to round up kids who have grown up here and for all practical purposes are American kids and send them someplace else when they love this country; they are our kids’ friends and their classmates, and are now entering into community colleges or, in some cases, serving in our military.  The notion that we would just arbitrarily, or because of politics, punish those kids when they didn’t do anything wrong themselves I think would be something that would merit me speaking out.  It doesn’t mean that I would get on the ballot anywhere.

 

With respect to “wet foot, dry foot,” we underwent a monumental shift in our policy towards Cuba.  My view was, after 50 years of a policy not working, it made sense for us to try to reopen diplomatic relations, to engage a Cuban government, to be honest with them about the strong disagreements we have around political repression and treatment of dissenters and freedom of press and freedom of religion, but that to make progress for the Cuban people, our best shot was to suddenly have the Cuban people interacting with Americans, and seeing the incredible success of the Cuban American community, and engaging in commerce and business and trade, and that it was through that process of opening up these bilateral relations that you would see over time serious and significant improvement.

 

Given that shift in the relationship, the policy that we had in place was “wet foot, dry foot,” which treated Cuban emigres completely different from folks from El Salvador, or Guatemala, or Nicaragua, or any other part of the world, one that made a distinction between whether you got here by land or by foot — that was a carryover of a old way of thinking that didn’t make sense in this day and age, particularly as we’re opening up travel between the two countries. 

 

And so we had very lengthy consultations with the Department of Homeland Security.  We had some tough negotiations with the Cuban government.  But we arrived at a policy which we think is both fair and appropriate to the changing nature of the relationship between the two countries.

 

Nadia Bilbassy.

 

Q    Thank you, sir.  I appreciate the opportunity, and I want you and your family best of luck in the future.

 

THE PRESIDENT:  Thank you.

 

Q    Mr. President, you have been criticized and even personally attacked for the U.N. Security Council resolution that considered the Israeli settlements illegal and an obstacle to peace.  Mr. Trump promised to move the embassy to Jerusalem.  He appointed an ambassador that doesn’t believe in the two-state solution.  How worried are you about the U.S. leadership in the Arab world and beyond as an honest broker?  Will this ignite a third intifada?  Will this even protect Israel?  And in retrospect, do you think that you should have held Israel more accountable, like President Bush, Senior, did with the loan guarantees?  Thank you.

 

THE PRESIDENT:  I continue to be significantly worried about the Israeli-Palestinian issue.  And I’m worried about it both because I think the status quo is unsustainable, that it is dangerous for Israel, that it is bad for Palestinians, it is bad for the region, and it is bad for America’s national security. 

 

And I came into this office wanting to do everything I could to encourage serious peace talks between Israelis and Palestinians.  And we invested a lot of energy, a lot of time, a lot of effort, first year, second year, all the way until last year.  Ultimately, what has always been clear is that we cannot force the parties to arrive at peace.  What we can do is facilitate, provide a platform, encourage.  But we can’t force them to do it.

 

But in light of shifts in Israeli politics and Palestinian politics; a rightward drift in Israeli politics; a weakening of President Abbas’s ability to move and take risks on behalf of peace in the Palestinian Territories; in light of all the dangers that have emerged in the region and the understandable fears that Israelis may have about the chaos and rise of groups like ISIL and the deterioration of Syria — in light of all those things, what we at least wanted to do, understanding that the two parties wouldn’t actually arrive at a final status agreement, is to preserve the possibility of a two-state solution.  Because we do not see an alternative to it.

 

And I’ve said this directly to Prime Minister Netanyahu.  I’ve said it inside of Israel.  I’ve said it to Palestinians, as well.  I don’t see how this issues gets resolved in a way that maintains Israel as both Jewish and a democracy, because if you do not have two states, then in some form or fashion you are extending an occupation, functionally you end up having one state in which millions of people are disenfranchised and operate as second-class occupant — residents.  You can’t even call them citizens, necessarily. 

 

And so the goal of the resolution was to simply say that the settlements — the growth of the settlements are creating a reality on the ground that increasingly will make a two-state solution impossible.  And we believed, consistent with the position that had been taken with previous U.S. administrations for decades now, that it was important for us to send a signal, a wake-up call, that this moment may be passing, and Israeli voters and Palestinians need to understand that this moment may be passing.  And hopefully that, then, creates a debate inside both Israeli and Palestinian communities that won’t result immediately in peace, but at least will lead to a more sober assessment of what the alternatives are.

 

So the President-elect will have his own policy.  The ambassador — or the candidate for the ambassadorship obviously has very different views than I do.  That is their prerogative. That’s part of what happens after elections.  And I think my views are clear.  We’ll see how their approach plays itself out.

 

I don’t want to project today what could end up happening, but obviously it’s a volatile environment.  What we’ve seen in the past is, when sudden, unilateral moves are made that speak to some of the core issues and sensitivities of either side, that can be explosive.  And what we’ve tried to do in the transition is just to provide the context in which the President-elect may want to make some of these decisions.

 

Q    Are you worried that this (inaudible) —

 

THE PRESIDENT:  Well, that’s part of what we’ve tried to indicate to the incoming team in our transition process, is pay attention to this, because this is volatile stuff.  People feel deeply and passionately about this.  And as I’ve said I think many times, the actions that we take have enormous consequences and ramifications. 

 

We’re the biggest kid on the block.  And I think it is right and appropriate for a new President to test old assumptions and reexamine the old ways of doing things.  But if you’re going to make big shifts in policy, just make sure you’ve thought it through, and understand that there are going to be consequences, and actions typically create reactions, and so you want to be intentional about it.  You don’t want to do things off the cuff when it comes to an issue this volatile.

 

Chris Johnson.

 

Q    On LGBT rights —

 

THE PRESIDENT:  I’m sorry, where is Chris?

 

Q    I’m right here in the back.

 

THE PRESIDENT:  I’m sorry, didn’t see you.

 

Q    On LGBT rights, we’ve seen a lot of achievements over the past eight years, including signing hate crimes protection legislation, “don’t ask, don’t tell” repeal, marriage equality nationwide, and ensuring transgender people feel visible and accepted.  How do you think LGBT rights will rank in terms of your accomplishments and your legacy?  And how confident are you that progress will endure or continue under the President-elect?

 

THE PRESIDENT:  I could not be prouder of the transformation that’s taken place in our society just in the last decade.  And I’ve said before, I think we made some useful contributions to it, but the primary heroes in this stage of our growth as a democracy and a society are all the individual activists, and sons and daughters and couples who courageously said, this is who I am and I’m proud of it. 

 

And that opened people’s minds and opened their hearts.  And, eventually, laws caught up.  But I don’t think any of that would have happened without the activism — in some cases, loud and noisy, but in some cases, just quiet and very personal. 

 

And I think that what we did as an administration was to help the society to move in a better direction, but to do so in a way that didn’t create an enormous backlash, and was systematic and respectful of the fact that, in some cases, these issues were controversial. 

 

I think the way we handled, for example, “don’t ask, don’t tell” — being methodical about it, working with the Joint Chiefs, making sure that we showed this would not have an impact on the effectiveness of the greatest military on Earth — and then to have Defense Secretary Bob Gates and Chairman Mike Mullen and a Joint Chiefs who were open to evidence and ultimately worked with me to do the right thing — I am proud of that.  But, again, none of that would have happened without this incredible transformation that was happening in society out there.

 

You know, when I gave Ellen the Presidential Medal of Freedom, I meant what I said.  I think somebody that kind and likeable projecting into living rooms around the country — that changed attitudes.  And that wasn’t easy to do for her.  And that’s just one small example of what was happening in countless communities all across the country.

 

So I’m proud that in certain places we maybe provided a good block downfield to help the movement advance.

 

I don’t think it is something that will be reversible because American society has changed; the attitudes of young people, in particular, have changed.  That doesn’t mean there aren’t going to be some fights that are important — legal issues, issues surrounding transgender persons — there are still going to be some battles that need to take place.

 

But if you talk to young people of Malia, Sasha’s generation, even if they’re Republicans, even if they’re conservative, many of them would tell you, I don’t understand how you would discriminate against somebody because of sexual orientation.  That’s just sort of burned into them in pretty powerful ways.

 

April Ryan.

 

Q    Thank you, Mr. President.  Long before today you’ve been considered a rights President.  Under your watch, people have said that you have expanded the rubber band of inclusion.  And with the election and the incoming administration, people are saying that rubber band has recoiled and maybe is even broken.  And I’m taking you back to a time on Air Force One going to Selma, Alabama, when you said your job was to close the gaps that remain.  And with that, what gaps still remain when it comes to rights issues on the table?  And also what part will you play in fixing those gaps after — in your new life?

 

And lastly, you are the first black President.  Do you expect this country to see this again?

 

THE PRESIDENT:  Well, I’ll answer the last question first.  I think we’re going to see people of merit rise up from every race, faith, corner of this country, because that’s America’s strength.  When we have everybody getting a chance and everybody is on the field, we end up being better.

 

I think I’ve used this analogy before.  We killed it in the Olympics in Brazil.  And Michelle and I, we always have our — the Olympic team here.  And it’s a lot of fun, first of all, just because anytime you’re meeting somebody who is the best at anything, it’s impressive.  And these mostly very young people are all just so healthy-looking, and they just beam and exude fitness and health.  And so we have a great time talking to them.

 

But they are of all shapes, sizes, colors — the genetic diversity that is on display is remarkable.  And if you look at a Simone Biles, and then you look at a Michael Phelps, they’re completely different.  And it’s precisely because of those differences that we’ve got people here who can excel at any sport. 

 

And, by the way, more than half of our medals came from women.  And the reason is, is because we had the foresight several decades ago, with something called Title 9, to make sure that women got opportunities in sports, which is why our women compete better — because they have more opportunities than folks in other countries. 

 

So I use that as a metaphor.  And if, in fact, we continue to keep opportunity open to everybody, then, yes, we’re going to have a woman President, we’re going to have a Latino President, and we’ll have a Jewish President, a Hindu President.  Who knows who we’re going to have?  I suspect we’ll have a whole bunch of mixed-up Presidents at some point that nobody really knows what to call them.  (Laughter.)  And that’s fine. 

 

But what do I worry about?  I obviously spent a lot of time on this, April, at my farewell address on Tuesday, so I won’t go through the whole list.  I worry about inequality, because I think that if we are not investing in making sure everybody plays a role in this economy, the economy will not grow as fast, and I think it will also lead to further and further separation between us as Americans — not just along racial lines.  There are a whole bunch of folks who voted for the President-elect because they feel forgotten and disenfranchised.  They feel as if they’re being looked down on.  They feel as if their kids aren’t going to have the same opportunities as they did. 

 

And you don’t want to have an America in which a very small sliver of people are doing really well and everybody else is fighting for scraps, as I said last week.  Because that’s oftentimes when racial divisions get magnified, because people think, well, the only way I’m going to get ahead is if I make sure somebody else gets less, somebody who doesn’t look like me or doesn’t worship at the same place I do.  That’s not a good recipe for our democracy.

 

I worry about, as I said in response to a previous question, making sure that the basic machinery of our democracy works better.  We are the only country in the advanced world that makes it harder to vote rather than easier.  And that dates back — there’s an ugly history to that that we should not be shy about talking about. 

 

Q    Voting rights?

 

THE PRESIDENT:  Yes, I’m talking about voting rights.  The reason that we are the only country among advanced democracies that makes it harder to vote is it traces directly back to Jim Crow and the legacy of slavery.  And it became sort of acceptable to restrict the franchise.  And that’s not who we are.  That shouldn’t be who we are.  That’s not when America works best.

 

So I hope that people pay a lot of attention to making sure that everybody has a chance to vote.  Make it easier, not harder.  This whole notion of election — of voting fraud, this is something that has constantly been disproved.  This is fake news — the notion that there are a whole bunch of people out there who are going out there and are not eligible to vote and want to vote.  We have the opposite problem.  We have a whole bunch of people who are eligible to vote who don’t vote.  And so the idea that we’d put in place a whole bunch of barriers to people voting doesn’t make sense. 

 

And then, as I’ve said before, political gerrymandering that makes your vote matter less because politicians have decided you live in a district where everybody votes the same way you do so that these aren’t competitive races, and we get 90 percent Democratic districts, 90 percent Republican districts — that’s bad for our democracy, too.  I worry about that. 

 

I think it is very important for us to make sure that our criminal justice system is fair and just.  But I also think it’s also very important to make sure that it is not politicized, that it maintains an integrity that is outside of partisan politics at every level. 

 

I think at some point we’re going to have to spend — and this will require some action by the Supreme Court — we have to reexamine just the flood of endless money that goes into our politics, which I think is very unhealthy. 

 

So there are a whole bunch of things I worry about there. And as I said in my speech on Tuesday, we got more work to do on race.  It is not — it is simply not true that things have gotten worse.  They haven’t.  Things are getting better.  And I have more confidence on racial issues in the next generation than I do in our generation or the previous generation.  I think kids are smarter about it.  They’re more tolerant.  They are more inclusive by instinct than we are.  And hopefully my presidency maybe helped that along a little bit.

 

But, you know, we — when we feel stress, when we feel pressure, when we’re just fed information that encourages some of our worst instincts, we tend to fall back into some of the old racial fears and racial divisions and racial stereotypes. And it’s very hard for us to break out of those, and to listen, and to think about people as people, and to imagine being in that person’s shoes. 

 

And by the way, it’s no longer a black and white issue alone.  You got Hispanic folks, and you got Asian folks, and this is not just the same old battles.  We’ve got this stew that’s bubbling up of people from everywhere.  And we’re going to have to make sure that we, in our own lives, in our own families and workplaces, do a better job of treating everybody with basic respect.  And understanding that not everybody starts off in the same situation, and imagining what would it be like if you were born in an inner city and had no job prospects anywhere within a 20-mile radius, or how does it feel being born in some rural county where there’s no job opportunities in a 20-mile radius — and seeing those two things as connected as opposed to separate. 

 

So we got work to do.  But, overall, I think on this front, the trend lines ultimately, I think, will be good.

 

Christi Parsons.  And Christi, you are going to get the last question.

 

Q    Oh, no.  (Laughter and groans.)

 

THE PRESIDENT:  Christi is — I’ve been knowing her since Springfield, Illinois.  When I was a state senator, she listened to what I had to say.  (Laughter.)  So the least I can do is give her the last question as President of the United States. 

 

Go on.

 

Q    217 numbers still work. 

 

THE PRESIDENT:  There you go.  Go ahead.

 

Q    Well, thank you, Mr. President.  It has been an honor.

 

THE PRESIDENT:  Thank you.

 

Q    And I have a personal question for you, because I know how much you like this.  The First Lady puts the stakes of the 2016 election in very personal terms in a speech that resonated across the country, and she really spoke the concerns of a lot of women, LGBT folks, people of color, many others.  And so I wonder now how you and the First Lady are talking to your daughters about the meaning of this election and how you interpret it for yourself and for them.

 

THE PRESIDENT:  You know, every parent brags on their daughters or their sons.  If your mom and dad don’t brag on you, you know you got problems.  (Laughter.)  But, man, my daughters are something, and they just surprise and enchant and impress me more and more every single day as they grow up.  And so these days, when we talk, we talk as parent to child, but also we learn from them. 

 

And I think it was really interesting to see how Malia and Sasha reacted.  They were disappointed.  They paid attention to what their mom said during the campaign and believed it because it’s consistent with what we’ve tried to teach them in our household, and what I’ve tried to model as a father with their mom, and what we’ve asked them to expect from future boyfriends or spouses. 

 

But what we’ve also tried to teach them is resilience, and we’ve tried to teach them hope, and that the only thing that is the end of the world is the end of the world.  And so you get knocked down, you get up, brush yourself off, and you get back to work.  And that tended to be their attitude. 

 

I think neither of them intend to pursue a future of politics — and, in that, too, I think their mother’s influence shows.  (Laughter.)  But both of them have grown up in an environment where I think they could not help but be patriotic, to love this country deeply, to see that it’s flawed but see that they have responsibilities to fix it.  And that they need to be active citizens, and they have to be in a position to talk to their friends and their teachers and their future coworkers in ways that try to shed some light as opposed to just generate a lot of sound and fury.

 

And I expect that’s what they’re going to do.  They do not — they don’t mope.  And what I really am proud of them — what makes me proudest about them is that they also don’t get cynical about it.  They have not assumed because their side didn’t win, or because some of the values that they care about don’t seem as if they were vindicated, that automatically America has somehow rejected them or rejected their values.  I don’t think they feel that way. 

 

I think that they have, in part through osmosis, in part through dinnertime conversations, appreciated the fact that this is a big, complicated country, and democracy is messy and it doesn’t always work exactly the way you might want, it doesn’t guarantee certain outcomes.  But if you’re engaged and you’re involved, then there are a lot more good people than bad in this country, and there’s a core decency to this country, and that they got to be a part of lifting that up. 

 

And I expect they will be.  And in that sense, they are representative of this generation that makes me really optimistic. 

 

I’ve been asked — I’ve had some off-the-record conversations with some journalists where they said, okay, you seem like you’re okay, but really, really, what are you thinking?  (Laughter.)  And I’ve said, no, what I’m saying really is what I think.  I believe in this country.  I believe in the American people.  I believe that people are more good than bad.  I believe tragic things happen, I think there’s evil in the world, but I think that at the end of the day, if we work hard, and if we’re true to those things in us that feel true and feel right, that the world gets a little better each time. 

 

That’s what this presidency has tried to be about.  And I see that in the young people I’ve worked with.  I couldn’t be prouder of them.  And so this is not just a matter of “No Drama Obama” — this is what I really believe.  It is true that behind closed doors I curse more than I do publicly.  (Laughter.)  And sometimes I get mad and frustrated, like everybody else does.   But at my core, I think we’re going to be okay.  We just have to fight for it.  We have to work for it, and not take it for granted.  And I know that you will help us do that.

 

Thank you very much, press corps.  Good luck.

 at the end of the day, if we work hard, and if we’re true to those things in us that feel true and feel right, that the world gets a little better each time. 

 

That’s what this presidency has tried to be about.  And I see that in the young people I’ve worked with.  I couldn’t be prouder of them.  And so this is not just a matter of “No Drama Obama” — this is what I really believe.  It is true that behind closed doors I curse more than I do publicly.  (Laughter.)  And sometimes I get mad and frustrated, like everybody else does.   But at my core, I think we’re going to be okay.  We just have to fight for it.  We have to work for it, and not take it for granted.  And I know that you will help us do that.

 

Thank you very much, press corps.  Good luck.

 

 

Did Chase Cheat You On A Mortgage?

If you live in the New York area and got a mortgage from J.P. Morgan Chase between 2006 and 2009, there’s a chance the bank charged you higher rates and fees than it should have.

Chase didn’t admit guilt. But the bank apparently agreed to pay $55 million for allegedly charging African-Americans and Hispanics more for mortgages.

A lawsuit filed by Preet Bharara, the U.S. Attorney in the Southern District of New York, alleged that the average black or Hispanic homebuyer paid about $1,000 more in fees and interest for mortgages than other borrowers.

The bank allowed mortgage brokers to set fees without regard to the credit worthiness of the buyers. So even if you qualified for a lower rate you may not have gotten it, according to the complaint.

 “Even when Chase had reason to know there were disparities, however, Chase did not act to determine the full scope of these wholesale pricing disparities, nor did it take prompt and effective action to eliminate those disparities, nor did it engage in adequate efforts to remedy the impact of those disparities upon the borrowers,” the U.S. Attorney wrote in the complaint.

The $55 million payout should include restitution for homebuyers. We’ll keep you updated on how this money should come back to you, if you think you were overcharged. 

Modern Heroes

What makes a hero? The definitions in Merriam-Webster and the Oxford dictionaries go first and second to Greek classicism and the third definition gets to the heart of it.  

c : a person admired for achievements and noble qualities

Our world has too few real heroes who act with nobility. Martin Luther King, Jr. was a hero and his friend and colleague, Georgia Representative John Lewis, acts with same kind of integrity and purpose to try to do the right thing. 

 

 

 

Bernie Sanders On Free College Tuition Plan

Bernie Sanders endorsed a plan by New York Governor Andrew Cuomo to provide free tuition to middle class college students at CUNY and SUNY schools.

The Excelsior Scholarship could begin for students, with family income of $125,000 or less, in the fall of 2017. But first the New York State legislature must approve the idea.

Did Credit Bureaus Rip You Off?

We hear it all the time. People scream in frustration because of credit bureau practices. Now the Consumer Financial Protection Bureau (CFPB) dealt a walloping blow to two of the big three — Equifax and TransUnion. The CFPB ordered them to refund more than $17.6 million dollars to consumers and pay a fine of $5.5 million to the CFPB for deceiving consumers about the worth and the cost of credit scores they sold.

CFPB Director Richard Cordray said, “TransUnion and Equifax deceived consumers about the usefulness of the credit scores they marketed, and lured consumers into expensive recurring payments with false promises. Credit scores are central to a consumer’s financial life and people deserve honest and accurate information about them.”

Credit reporting agencies like TransUnion and Equifax collect credit information, including a borrower’s payment history, debt load, maximum credit limits, names and addresses of current creditors, and other elements of their credit relationships.

Financial companies like FICO use credit report information to calculate credit scores. They then sell those scores to lenders and businesses who assess your worthiness to get a loan or make a purchase.

But TransUnion and Equifax, through their subsidiaries, also sell credit-related information to consumers like credit scores, credit reports and credit monitoring.

The tricky part comes next.

The CFPB points out that lenders use a variety of scores to make decisions.

TransUnion sold scores to consumers based on a model from VantageScore Solutions, LLC. The CFPB says, “VantageScores are not typically used for credit decisions.”

Equifax sells scores to consumers based on its own model, the Equifax Credit Score. The CFPB describes it as “an educational” credit score that also is typically not used by lenders to make credit decisions.

Between July 2011 and March 2014, both companies advertised and sold their “credit scores” to consumers claiming lenders used their scores to make decisions. The CFPB says they lied.

“In fact, the scores sold by TransUnion and Equifax were not typically used by lenders to make those decisions. Deceiving consumers into enrolling in subscription programs, in their advertising, TransUnion and Equifax falsely claimed that their credit scores and credit-related products were free or, in the case of TransUnion, cost only $1. In reality, consumers who signed up received a free trial of seven or 30 days, after which they were automatically enrolled in a subscription program,” the CFPB explained.

And it got worse because unless you cancelled during the trial period, they charged you a $16 recurring fee every month.

If you went to AnnualCreditReport.com and tried to get your free credit report from 2011 to 2014, you probably saw a lot of Equifax adds for the things they want to sell you. This violated the Fair Credit Reporting Act that prohibits that kind come-on until you actually get your free report. 

Because of the CFPB investigation, TransUnion and Equifax will stop the deceptive practices and pay more than $17.6 million in total restitution.

TransUnion will pay $13.9 million in restitution and $3 million to the CFPB’s civil penalty fund.

Equifax will pay $3.8 million in restitution and $2.5 million to the fund.

 

How Do you Get a Refund from TransUnion or Equifax?

The companies must send letters to notify you. They have about 60 days to work out a plan for repayment and then 30 days to send you a letter and the money. They must allow you to cancel any questionable deal.

Plan For Free Tuition At CUNY And SUNY

 

Middle class students in New York State got potentially good news from Governor Andrew Cuomo. Free tuition for students who normally don’t qualify for financial aid because of their family’s income could become a reality in the state and allow hundreds of thousands to graduate without debt.

Governor Cuomo proposed a new state scholarship for students with a family income of up to $125,000 that will cover the cost of their education at State University of New York (SUNY) and City University of New York (CUNY) schools.  Since the mid-seventies, and the advent of tuition for all at CUNY, only low-income students qualified for state scholarships for a free ride at state and city schools. In 2011 at CUNY schools, 48 percent of students received Pell Grants, payments that paid for all tuition.

But Cuomo’s proposal to create the Excelsior Scholarship has the potential to benefit 940,000 families almost immediately.  Average tuition at SUNY and CUNY hovers around the $6,400 range annually.  A tuition break would allow graduates to move on with their lives without struggling to pay yesterday’s bills.

At a news conference with Vermont Senator Bernie Sanders, Cuomo said, “New York is making a major investment in our greatest asset — our people — and supporting the dreams and ambitions of those who want a better life and are willing to work hard for it.”

Senator Sanders, who graduated from New York City public schools and attended Brooklyn College for a year, praised the initiative and said,  “If the United States is to succeed in a highly global economy, we need the best workforce in the world.”

The plan needs the approval of New York’s Assembly and Senate and Sanders had a message for those elected officials: “I urge New York legislators to pass this enormously important proposal, and become a model for the nation.”

If the legislature agrees, the program could go into effect during the fall of 2017.

We’ll keep an eye on how this develops. 

Here’s a clip of Bernie Sanders at the news conference: 

Robert Frost, A Cactus Flower And Love Letter to 2017

 

by Barbara Nevins Taylor

We awoke to find that 2017 began with a burst of beauty in our home. The cactus flower spread in brilliant color, almost in full bloom, offering a sweet message for us to share.

But I wanted to put more on the page and looked through the titles on my shelves. I reached for a book of poems by Robert Frost. It fell open to a long-time favorite. When I scanned the lines, reciting some from memory, the poem seemed perfect.  It reads like a love letter to optimism, risk-taking and just what we need for the year ahead.

 

                 The Road Not Taken

Two roads diverged in a yellow wood,

And sorry I could not travel both

And be one traveler, long I stood

And looked down one as far as I could

To where it bent in the undergrowth:

 

Then took the other as just as fair,

And having perhaps the better claim,

Because it was grassy and wanted wear:

Though as for that, the passing there

Had worn them really about the same,

 

And both that morning equally lay

In leaves no step had trodden black.

Oh, I kept the first for another day!

Yet knowing how way leads on to way,

I doubted if I should ever come back.

 

I shall be telling this with a sigh

Somewhere ages and ages hence:

Two roads diverged in a wood, and I 

took the one less traveled by,

And that has made all the difference.

Here’s a short clip of a video of Frost struggling with his own copy at President John F. Kennedy’s inauguration on January 20, 1961.

 

Christmas Lights on Fifth Avenue

We went to look at the Rockefeller Center Christmas tree and noticed that a lot of people were looking in the opposite direction.

They had their eyes and cameras trained on the spectacular light show that took up the entire front of Saks Fifth Avenue. We found it irresistible. 

It’s a whole new twist on window shopping. 

Enjoy!

 

Best 2016 Books and Audiobooks

We can complain about 2016 as a strange and perhaps horrible year, but some things made it shine. I escape often into the world of books where I found outstanding writers and narrators who created pleasure for me and other readers and listeners. They deserve praise for providing much-needed distraction.

Zadie Smith, Lee Child, Ian McEwan, Michael Connally, Edna O’Brien, Han Kang, Delia Ephron, Ann Patchett, Deborah Levy, Tana French, Carl Hiaason, and Elizabeth Strout top the list of the writers whose books stand out for me in 2016.

I’m grateful to these writers who told stories that entertained and stimulated new ideas. And the narrators Pippa Bennett-Warner, Hope Davis, Juliet Stevenson, Titus Welliver, Janet Song, Steven Park, Talia Balsam. Katie Finneran, John Slattery, Darren Goldstein and Kimberly Farr made the books even more special.  

LISTEN

Swing Time

swing-time

When the  epilogue ended and the music cued signalling I had finished Zadie Smith’s Swing TimeI almost shouted, “Oh. No.” Smith’s sharp observation about class and color, her great ear for dialogue and Pippa Bennet-Warner’s brilliant performance made the book compulsive listening.

Swing Time, like Elena Ferrante’s My Brilliant Friend tells the story of two best friends, their love, their competition and the kind of understanding that binds them.

The narrator takes us back to 1982 when she was seven and her friendship with Tracy, another mixed race girl, begins. She says, “Our shade of brown was exactly the same. As if one piece of tan material had been cut to make us both.” The girls live in adjacent housing estates on the outskirts of London and bond at dancing class. Tracy has the talent. But the narrator, smarter in her way, has better parents. Tracy’s white slovenly mom gets beaten by her wandering father whenever he returns. The narrator’s loving father, a postman, adores her and her ambitious West Indian mother who wants to elevate the family. The mom dedicates herself to reading and learning. She earns a spot in a university, becomes a community activist, then a councilor and then a member of Parliament, leaving her husband behind.

Dance plays a central role. The girls watch movie musicals as they study the moves of Fred Astaire in Swing Time, the Nichols Brothers and an African-American dancer called Jenny LeGrand. The story follows them as Tracy moves on to a dance academy and then to the professional chorus, which she never gets beyond. She also remains stuck in the housing estate.

The narrator leaves to go to university and becomes a personal assistant to a Madonna-like pop star. Her life broadens as her job takes around the world. She visits Gambia repeatedly where the pop star sets up a foundation to educate girls. Yet she remains detached, a woman without strong feelings, failing to make real choices, watching the world go by. 

In their late teens and early twenties Tracy and the narrator drift apart. Nearly a decade passes before the narrator seeks her out. I won’t spell out the rest, but if you’re like me you’ll find points in the narrative where you want to shake this thirty-something woman awake and scream at her to grow up.

But then again, I remembered being almost as selfish and self-concerned at that age.

In the end, I cared about and loved Swing Time.

LISTEN:

End of Watch mashes up the detective genre, police procedurals, the supernatural and everything fans of Stephen King love. Retired Chicago detective Bill Hodges and his partner Holly Gibney try to stop the evil doings of Brady Hartsfield, whom Gibney labels an “architect of suicide.” Hartsfield lies in a hospital’s traumatic brain injury unit and still manages to do close to his worst.

I won’t spoil the plot, but King respects his characters and imbues them with the rich detail and emotion that quashes any queasiness you may have about the reality-stretching situations. I didn’t listen or read the first three books, but Holly Gibney seems to suffer from Asperger Syndrome and figures out the complicated stuff. Her warm relationship with the no-nonsense Bill Hodges and their young friend and sometime sidekick Jerome Robinson makes you smile and root for them all the way.

Narrator Will Patton magically brings the characters and the story to life and keeps you listening.

 READ:

Night School

night-school

In Night School Lee Child puts Jack Reacher back in the Army as a major. Reacher gets called up to help an elite team that includes the National Security Agency (NSA), the CIA and the FBI to figure out what Jihadi terrorists in Berlin are planning.

It becomes a race to discover what an AWOL soldier stole and plans to sell to Al Qaeda for $100 million. Reacher stays one step ahead of everyone else and he and his Sergeant Frances Nagley get in enough trouble to make this an exciting read as the plot turns in unexpected ways.

Of course, Reacher finds his kind of romance, a relationship with an NSA official. Child describes Reacher’s attraction with his typical minimalism: “the black dress, the pearls.” Somehow that sketches it all in.

I found it satisfying and fun to read and liked having Reacher back in the army.

 LISTEN:

The Wrong Side of Goodbye

the-wrong-side-of-goodbye

While we’re in action mode, Michael Connelly’s The Wrong Side of Goodbye has all the good grit and drama you want from a police procedural. His Harry Bosch, an outsider once with the L.A.P.D., now works part-time for the San Fernando Police Department and takes private cases on the side. 

Titus Welliver narrates the story in just the right way. His deep, slow interpretation draws you into Bosch’s weary and leery world where everyone including his police colleagues and his private clients have secret agendas. His warm relationship with his daughter makes Harry more than stick figure. 

I enjoyed spending time with Bosch.

READ:

Nutshell

nutshell

Nutshell by Ian McEwan. What a book. I hugged it close when I finished reading. McEwan tells a magical tale of a fetus who eavesdrops on his mother’s plan to kill his father. The Hamlet-like unborn has learned about life, literature, music and the world through the podcasts, audiobooks and BBC broadcasts his mother listens to for self-improvement.

His father John, a poet and small-time poetry publisher, lives elsewhere while his beautiful green-eyed mother and father’s brother Claude have sex in the family home. Claude and the mom plot the murder, while our narrator worries about his father and his own future, and tries to stop the murder. Throughout the fetus in the nutshell talks about Keats and James Joyce’s Ulysses, politics and climate change. 

The title comes from a line in Hamlet, “Oh God, I could be bounded in a nutshell and think myself a king of infinite space – were it not that I have bad dreams.”

It is all beautiful, literate, strange and clever as McEwan explores innocence and evil and I bet you, too, will feel sorry when he wraps up this short book.

LISTEN:

The Little Red Chairs


The Little Red Chairs, written by Edna O’Brien and masterfully narrated with depth, sensitivity and understanding by Juliet Stevenson, brings you into the world of Fidelma McBride, the beauty in a small Irish village.  A stranger from the Balkans comes to town and sets up a holistic medical practice. He bewitches all of the women, especially Fidelma, who falls in love with him. 

She and others don’t now that he’s a Bosnian war criminal. When people from his past come to even the score with him, Fidelma McBride finds herself in the crosshairs with awful consequences.

O’Brien takes us on a journey of discovery with Fidelma as she works to rebuild her life, discover what really matters and who this evil man really was.

The richly woven story moves from Ireland to London and to the war crimes tribunal in the Hague. It explores the meaning of home, the life of immigrants, love and evil. Everything about The Little Red Chairs and Juliet Stevenson’s performance feels perfect.

 

Best 2016 Books And Audiobooks 2

Our list of favorite books and audiobooks of 2016 continues. If you missed the first half of the list you can find it here. 

But here’s where the list goes on:

LISTEN:

Commonwealth

 

commonwealth

Ann Patchett uses a blended family after a divorce and a multi-generational story filled with rich characters to examine family life and how we grow and change.

Hope Davis narrates with a deep understanding of her characters and enriches the storytelling. 

Patchett begins her tale at a christening party in California for the youngest child. The story moves seamlessly from the past to the present, from California to Virginia and back again, through divorce, remarriage, trouble, tragedy and pleasure. Her interesting characters, maybe especially because of their flaws remind us of our humanity, keep you listening. 

LISTEN

Siracusa

siracusa

 

Full disclosure: We recently spent time in Siracusa on the island of Ortigia and loved it. The action takes place here and at least one character hates it. But this pleasurable and unsettling Delia Ephron romp will give you a taste of a magical place on the Ionian Sea in southern Sicily.

 Talia Balsam, Katie Finneran, John Slattery and Darren Goldstein play two couples on vacation who don’t always share the same vision of fun.  One couple brings their child and she turns into a monster. I won’t give the plot away, but this comes pretty close to a vacation from hell. Stuff happens and the narrators make it real.

LISTEN:

The Vegetarian

vegetarian

The Vegetarian won the Man Booker Prize. Yet descriptions fail to do it justice. The experience of The Vegetarian surpasses a plot summary, which I suspect may turn you off and keep you away.  But here I go anyway.

Han Kang tells the story of a troubled young woman, successful at her career but pushing against her husband and her traditional Korean family. Her husband’s insensitivity and her father’s casual brutality help pitch her into madness, which may have lurked below her surface for years. She seems to welcome insanity as an escape from the restrictions of her society. The narrative twists away from the woman and turns to her brother-in-law, sexual obsession and identity.

The beauty of the writing and the delicacy of the storytelling make the book compelling listening. Janet Song and Stephen Park turn the literature into a movie for the mind. 

Hot Milk 

The Man Booker prize committee short-listed Hot Milk in 2016 and it deserved the recognition. Deborah Levy tells the story of a young woman taking care of her hypochondriacal mother, and trying to figure out her own life.

She accompanies her mom, who seeks a cure from mysterious ailments, to a clinic in Andalusia, Spain. While her mother visits the doctor, she gets involved with assorted people who encourage her to breathe life into herself. 

The elegant, insightful writing makes the book a must-read.

 

READ:

The Trespasser

 

You can count on Tana French to deliver a police procedural that feels like a psychological thriller with surprising twists and turns that make it hard to put down.

Detective Antoinette Conway, a mixed-race woman and the double outsider in the Dublin Murder Squad, is the title character of The Trespasser. She tells about her absent father, who may be an Egyptian prince, a Saudi Arabian medical student or a Brazilian guitarist, according to her mother’s whims.

Conway and her partner Stephen Moran begin to investigate the murder of a young woman, also haunted by an absent father. And it becomes a story about outsiders and a search for identity within the murder squad and the world.  

Solving the murder and finding the real killer pits Conway and Moran against their own squad and while you root for them, you realize that could lose.

Razor Girl

Carl Hiassen delights with a twisted tale of crazy people who come together with disastrous, hilarious and ultimately rewarding — for the reader and listener — results.

The Razor Girl hero, a by-the-book sheriff’s deputy busted down to a health inspector on restaurant roach patrol, just wants to do the right thing. He hopes to marry his Latina girlfriend, a coroner who gets sick of Miami violence and goes off to work in Norway.

This believable and likable guy bumps up against a cast of characters in Key West that includes a fake Cajun reality TV star, a Hollywood agent, Mafiosi, a less than savory lawyer, a conman developer and a woman who makes a living inviting car crashes while shaving her pubic area. A couple of giant rats, the four-legged kind, make an appearance too. 

John Rubinstein brings it all together and makes you want to keep listening. Razor Girl stands out as the perfect book for a long car trip.

LISTEN: 

 My Name Is Lucy Barton

My Name is Lucy Barton was the first book I listened to in 2016 and it has stayed with me. In this elegantly written story, Lucy Barton peels back her personal layers and discovers the truth about herself. She married, moved away from the Midwest and her poverty-stricken, sometimes abusive family, had children of her own and began a successful writing career.

But when she lands in a Manhattan hospital with a mystery ailment, she has plenty of time to think. Her estranged mother comes from the Midwest to sit with her and they talk and talk.                                                     

The subtle insight and journey of self-discovery reminds us how long it can take to get comfortable in your own skin. But when it happens, oh girl, how sweet you feel.

 

Fed Up With Telemarketing Calls?

 

by Barbara Nevins Taylor

Will it help? Who knows. But for those of us fed up with telemarketing calls, the latest action in New York State may offer some relief.

Even after we list our numbers on the National Do-Not-Call Registry, telemarketers press on. They often use phony names on caller ID or mask their names in some way to get us to answer our phones. 

So we can cheer a little that New York Governor Andrew Cuomo took a step that swats at the scammers.

Cuomo signed legislation to require telemarketers to identify themselves accurately. If only this were enough to make them stop.

We know scammers in the U.S., India and across the globe find ways to circumvent the law. So we can’t cheer without qualification. But it may put a crimp in the activity of telemarketing businesses that fall under state and federal regulations.

HOW TO PUT YOUR NUMBERS ON THE DO-NOT-CALL REGISTRY

If you haven’t put your landline and mobile phone on the National Do-Not-Call Registry go to: 

https://www.donotcall.gov

or call:  1-888-382-1222 (TTY 1-866-290-4236). 

Once you register your phone number, telemarketers have up to 31 days from the date you register to stop calling you. 

Some get exemptions from the law and can call you:

  • Political organizations (you probably know this from the 2016 Presidential campaign.)
  • Charities
  • Pollsters or those conducting surveys.
  • Companies that you have done business with may call you for up to 18 months after you register unless you ask them to place your number on their own do-not-call list.

FILE A COMPLAINT FOR EACH UNWANTED CALL

If you continue to get calls after you list your number, file a complaint. Yes. It’s annoying and unfair that the burden falls on you. But take the step to stop and penalize them. The Federal Trade Commission (FTC) can fine a telemarketer $11,000 for every unwanted call they make.

Here’s how to file a Do-Not-Call Registry Complaint.

Go to:

https://www.donotcall.gov

or call 1-888-382-1222 (TTY 1-866-290-4236).