All posts by Barbara Nevins Taylor

Mystery Caterpillars Make Fall Appearance

by Barbara Nevins Taylor

Mystery caterpillars began to appear on our fourth floor deck in Greenwich Village in the early fall. We hadn’t seen caterpillars or their webs all summer, but suddenly during the second week of September I spotted the first one crawling seemingly to nowhere. I put an end to it with a steady stream of water from the hose, and thought no more about it.

Mystery Caterpillars Appear in September

But then, my husband Nick said that he had seen two in our living room. 

On the theory that if something happens to one person, it must be happening to others, I reached out to the New York City Parks Department and the New York Botanical Garden. At that point neither of us had taken a photo. Once we realized our mistake, we took photos and video. 

But when I talked to the experts, I could only describe what we saw. We told Don Gabel, Director of Plant Health at the New York Botanical Garden (NYBG) that we didn’t see a nest or web. “The caterpillars are there because they are probably on the way to somewhere else. It’s likely they were carried to the Village and your deck by wind currents,” he said.

Based on what I described, Gabel said he thought it was a Tusket Moth,  also called a Tussock Moth.  He said, “They are plentiful this year and windblown in their younger stages and it’s not unusual that they would end up on a balcony.

A few days later, we spotted another in the house, and had the wit to take a photo.

Mystery Caterpillars Appear in September

 

I sent it to Brien Mosley at the New York City Parks Department. Mosley, like the NYBG’s Gabel, said he thought it was a White Hickory Tussock Moth caterpillar. “You want to avoid touching them. They are venomous but not deadly. They secrete toxins through the hairs and it can cause a bad rash or affect vision if the eyes are rubbed after,” he told us.

When my husband Nick noticed one on a table in the downstairs tenant’s garden, he shot a video.

I sent that to Mosley at Parks. He said, based on the video our mystery caterpillar could be a Brown-tail Moth Caterpillar. “It also has the stinging hairs and can cause skin reactions. They are not aggressive, they just secret the toxin as a defense so it’s best to avoid touching both with bare skin,” he said.

Okay. But we didn’t know where these mystery caterpillars nested. And then, I saw where they lodged.

They tucked themselves into the climatis on the trellis over our kitchen door and the mandevilla

Mystery-Caterpillars-Make-Fall-Appearance

that climbs and blooms with beautiful pink flowers.

Mystery-moths-make-fall-appearance

They like to eat the leaves and make nasty holes.

Mystery-Caterpillars-Make-Fall-Appearance

Gabel at the Botanical Garden suggested we get the Azerdirachtin to spray. BioNeem also contains Azerdirachtin and when we discovered none of our local hardware or plant stores had it, we went to Amazon.

The spray works and we hope to be rid of the caterpillars soon. But we wondered about what comes next when we saw the little white moth.

Mystery-moths-make-fall-appearance

Mystery-moth-makes-fall-appearance

 

Crackdown On Future Pension Income Scheme

Relief may be on the way for people who borrowed money against their future pension income and those who loaned them money. The Consumer Financial Protection Bureau (CFPB) charged Future Income Payments and its chief executive Scott Kohn with defrauding consumers and making illegal loans. This action is a long time in the making.

The CFPB filed a complaint in Federal District Court in California asking a judge to put Kohn and his affiliated companies out of business.

ConsumerMojo reported extensively about pension advance plans and so-called structured asset schemes that trap people in high interest loans. Typically, marketers targeted retired people in need of cash, usually with military, police or disability pensions. The companies also reached out to older people whom they persuaded to lend a large of chunk of money in return for a steady monthly income. 

Under the agreements, the individual who wanted cash assigned monthly pension or disability payments, often in violation of the law, to a company that would pay the investor. These loans against future pension income ranged from $100 to $600, according to the CFPB  lawsuit, and interest rates and fees often added up to 183 percent.

We reported cases where the borrower stopped making payments, leaving the “investor” in the lurch without recourse. Courts often ruled against the lender because the advance against the future pension income was considered an illegal loan. Future Income Payments and marketers claimed it was a pension “buyout,” not a loan, and didn’t involve interest payments.

States including New York, Minnesota, Illinois, Minnesota, Massachusetts, Oregon, North Carolina, Maryland, Washington and California took action against Future Income Payments. They concluded the company made illegal loans and in some cases, like New York, banned it from doing business in their states.

The action by the CFPB aims to protect consumers from further financial harm and get restitution for those who lost money and paid usurious interest. It’s also asking the court to award civil penalties against Scott Kohn and his companies. 

Companies listed in the complaint include: 

Cash Flow Investment Partners LLC; Pension Advance LLC; BuySellAnnuity Inc.; Cash Flow Investment Partners East LLC; Cash Flow Investment Partners MidEast LLC; Lumpsum Pension Advance Atlantic LLC; Lumpsum Pension Advance Southeast LLC; Lumpsum Settlement West LLC; PAS California LLC; PAS Great Lakes LLC; PAS Northeast LLC; PAS Southwest LLC; Pension Advance Carolinas LLC; Pension Advance Midwest LLC; Pension Loans South LLC; and, Does 1-100

Who Protects Average Americans?

 

by Barbara Nevins Taylor

There’s a lot of talk lately about “the little guy” and who protects average Americans. If you are one of the average Americans who has a student loan, wants to borrow money, sign up for health insurance, or protect yourself against financial predators, there’s plenty to worry about when it comes to consumer rights

For now, just think about student loans and what’s happening at the Department of Education (DOE) in Washington.

The Department of Education under Secretary Besty DeVos scaled back protections for students defrauded by for-profit-colleges that didn’t deliver the education that they promised. 

Under her orders, the DOE is also trying to stop states that go after for-profit schools that defraud students. It supported a lawsuit by the Student Loan Servicing Alliance, a trade group, against the city of Washington, D.C. for setting up a student loan ombudsman office, according to The New York Times. Not a plus for the average American here. 

The Department of Education also plans to cut back rules that aimed to rein in for-profit-colleges. The Obama administration set up rules to cut off federal aid to for-profit colleges whose students couldn’t find the gainful employment they were promised. 

Consumer advocates have denounced the moves aimed at helping the industry and predators.

The National Consumer Law Center‘s Aby Shafroth said, “The gainful employment rule is a basic, commonsense safeguard designed to protect students and taxpayers by ensuring that federal dollars do not flow to schools that consistently fail to deliver sufficient value to students to enable them to afford their student loans. The rule protects millions of Americans enrolled in career training programs and provides incentives for schools to reduce their costs and increase their value.”

The Century Foundation, a non-partisan think tank, says the DeVos actions hurt students and help the industry. It suggests the changes made by the Trump administration will make it harder for victims of scams to sue companies that defraud them, and force students to default on their loans before they can get debt relief. 

The steady erosion of support for average Americans, students in particular, led to the resignation of the Consumer Financial Protection Bureau‘s (CFPB) student loan ombudsman, Seth Frotman. He sent a scathing letter to the CFPB’s acting director, Mick Mulvaney, who also heads the Office of Management and Budget, saying the bureau had abandoned consumers and was no longer enforcing the law.

The CFPB, during the Obama years, returned more than $750 million to student loan borrowers. And the Obama administration also forgave $450 million in federally-backed student loans that went to colleges where the students got worthless degrees.

Frotman said, “The current leadership of the bureau has made its priorities clear — it will protect the misguided goals of the Trump administration to the detriment of student loan borrowers.”

He went on to say, “Unfortunately, under your leadership, the bureau has abandoned the very consumers it is tasked by Congress with protecting. Instead, you have used the bureau to serve the wishes of the most powerful financial companies in America.”

So what happened to the promises to protect the average American? 

If this makes you angry and it should, vote and encourage others to vote.

 

 

 

How Russians Hacked State Election Systems

by Barbara Nevins Taylor

When do people in the United States get angry about how Russians played Americans for suckers and hacked state election systems?

Regardless of your political party, you should feel ticked off at the Russians and furious with any U.S. elected official who pretends it didn’t happen.

Defend our democracy.

Read the latest indictment from the Mueller probe that describes how Russian intelligence officers hacked state election board computers to get voter information and disrupt the 2016 election. Make your own decision. 

This is the time to stand up and stop pretending the Russians aren’t our enemy.  

Read what Deputy Attorney General Rod Rosenstein said about the latest indictment of Russians:

“A federal grand jury in the District of Columbia returned an indictment presented by the Special Counsel’s Office. The indictment charges twelve Russian military officers for conspiring to interfere with the 2016 presidential election. Eleven of the defendants are charged with conspiring to hack into computers, steal documents, and release documents in an effort to interfere with the election.

“One of those defendants, and a twelfth Russian officer, are charged with conspiring to infiltrate computers of organizations responsible for administering elections, including state boards of election, secretaries of state, and companies that supply software and other technology used to administer elections.

“According to the allegations in the indictment, the defendants worked for two units of the Main Intelligence Directorate of the Russian General Staff, known as the GRU. The units engaged in active cyber operations to interfere in the 2016 presidential election. One GRU unit worked to steal information, while another unit worked to disseminate stolen information.

“The defendants used two techniques to steal information. First, they used a scam known as “spearphishing,” which involves sending misleading email messages and tricking users into disclosing their passwords and security information. Second, the defendants hacked into computer networks and installed malicious software that allowed them to spy on users and capture keystrokes, take screenshots, and exfiltrate data.

“The defendants accessed the email accounts of volunteers and employees of a U.S. presidential campaign, including the campaign chairman, starting in March 2016. They also hacked into the computer networks of a congressional campaign committee and a national political committee. The defendants covertly monitored the computers, implanted hundreds of files containing malicious computer code, and stole emails and other documents.

“The conspirators created fictitious online personas, including “DCLeaks” and “Guccifer 2.0,” and used them to release thousands of stolen emails and other documents, beginning in June 2016. The defendants falsely claimed that DCLeaks was started by a group of American hackers and that Guccifer 2.0 was a lone Romanian hacker.

“In addition to releasing documents directly to the public, the defendants transferred stolen documents to another organization, not named in the indictment, and discussed timing the release of the documents in an attempt to enhance the impact on the election.

“In an effort to conceal their connections to Russia, the defendants used a network of computers located around the world, and paid for it using cryptocurrency.

“The conspirators corresponded with several Americans through the internet. There is no allegation in the indictment that the Americans knew they were communicating with Russian intelligence officers.

“In a second, related conspiracy, Russian GRU officers hacked the website of a state election board and stole information about 500,000 voters. They also hacked into computers of a company that supplied software used to verify voter registration information; targeted state and local offices responsible for administering the elections; and sent spearphishing emails to people involved in administering elections, with malware attached.”

Read the indictment here.

Great Summer Audiobook Listening

 

by Barbara Nevins Taylor

Great summer audiobook listening means great stories narrated by  talented actors who lift the words from the page to envelope you in the world of the characters. 

Since I began narrating audiobooks a couple of years ago, I’ve become a passionate, yet particular listener.  I look for well-written books narrated by actors with voices I can welcome to my ears. 

Circe, written by Madeline Miller and narrated by Perdita Weeks, is my favorite audiobook of the past few months. Miller transforms the myth of Circe, the goddess-witch whom you may know from the Odyssey.  It becomes the tale of a woman’s self-discovery in extraordinary circumstances. She learns about herself, her powers, her place in the world, her loves, and the fierceness of motherhood. 

We begin our journey with Circe, an outlier, an unloved nymph, in the palace of her father Helios. Perdita Weeks gives a flawless, understated performance that will make you ache, hold you on to the edge of your seat, and leave you loving this audiobook. You root for Circe all the way. Well, maybe not when she is evil. But like many of us, she makes mistakes. 

After I finished listening to Circe, I looked up what Miller had written before and immediately downloaded The Song of Achilles. Again, I found another example of great audiobook listening.  I instantly fell in love with the way Miller upended a story that we may think we know a little, or even a lot, about. The Song of Achilles, narrated perfectly by Frazier Douglas, explores the relationship between Achilles and Petrocolus. They meet as boys and fall in love, but at first have no words to explain or understand the bond that develops between them.

Patroclus, another outlier like Circe, gets sent away from his father’s kingdom and loses the privileges of princedom, but becomes the sworn companion of Achilles. Miller uses Patroclus’ outsider perspective to tell the story of the beautiful, graceful Achilles, who ultimately becomes a war machine. But this is very much a love story about commitment and sacrifice. Again, it also explores the ferocity of motherhood. Thetis, Achilles mother, lives apart from her son, but plays a big role in his life. She tries to guide him to create his legacy, and at every turn urges him to break with Patroclus.  Since this is The Song of Achilles, it is also about battles and war, manipulation and hubris, and you won’t stop listening.

 great-summer-audiobooks

The Great Alone, by Kristin Hannah and narrated by Julia Whelan, tells a very different and very American coming-of-age story. Hannah, a master storyteller, takes us on wild, often violent and  unsettling ride. She starts the story in 1974 with Leni, a young girl, who is wiser than her hippy parents. Her dad Ernt, a Vietnam vet, suffers from serious PSTD and when he inherits a plot of land and a shack from a buddy who died in combat, he takes the family from California to a remote part of Alaska. 

Her mom Cora, from a comfortable San Francisco family, is besotted by her handsome, manic husband and blind to his faults. They all work hard to build a life, but their efforts are often undermined by Ernt’s madness. Yet their love for each other and the wild beauty of Alaska keeps them going. 

Ultimately, this is Leni’s story as she falls in love, faces terrifying, heart-breaking challenges, and fights to survive. Julia Whelan makes this great audiobook listening.

Force of Nature, an exciting police procedural by Jane Harper, takes us to the outback of Australia with detective Aaron Falk, her hero from The Dry. Stephen Shanahan narrates again and conveys a deep understanding of the conflicted Falk as he struggles with his own emotional turmoil while he tries to find a murderer.

Falk and his partner, Carmen Cooper, work in the financial crimes unit of the Melbourne police, and a source inside a company they are investigating ends up dead. She and five other women had been in a remote area on a kind of outward-bound team-building trip.  The story twists and turns and at times left me terrified as Harper took me back and forth between the investigation and an almost moment-by-moment account of what actually happened. You won’t want to stop listening.

great-summer-audiobooks 

Walter Mosley sets his thriller, Down The River Unto the Seain Brooklyn and introduces us to Joe “King” Oliver, a former cop turned private detective. Dion Graham, one of the great narrators, brings you into the heart and mind of King Oliver, a smart, sensitive guy set up by police brass on a phony rape charge. 

King’s relationships make this a deep, emotionally-layered crime story and King a compelling hero. He worries about his teenage daughter who works part-time in his office. He visits and cares for his grandmother in an assisted-living facility.  A criminal he calls on for help becomes a buddy, and a hooker he’s known for long time turns into a different kind of friend.

As King tries to solve a case for a client, he fights off the racist cops who want to see him dead. You may fall in love with King Oliver and worry about his survival, even though a lot of what happens to him seems far-fetched. 

 Erotica 

Great-Summer-Audiobooks

This won’t suit everyone’s taste. But if you like erotica, this one definitely provides a great audiobook listening experience. Taking Turns, the Turning Series, by JA Huss will keep you listening, wondering, and feeling sexy.  Ava Erickson, Sebastian York, Tad Branson and Joe Arden give us a quartet playing a sex game. 

Everyone’s rich, pretty or handsome, and an upscale, private sex-club in Denver plays home to the site of the games.  The guys are appealing but the     woman remains a troubled enigma.

For more great audiobook listening you might want to check out the books we started the year with and you can find them here.  Or our favorite books from last summer

 

 

Think Twice About Taking Expensive Jewelry On Vacation

If you love your stuff, think twice about taking expensive jewelry on vacation. Best advice: leave it home and enjoy your trip.

Sure you love what you wear every day and when you slip on when you go out. But you won’t be very happy if your jewelry is  stolen, or lost, while you’re traveling.  

Our friend Rachel wondered if she should wear her diamond ring on her bachelorette trip to the Dominican Republic. The answer from all the experts we talked with was a resounding, “No.” When it comes to traveling with jewelry say, “No,” to yourself.

The resort or destination may be safe, but things happen. Individuals steal and it’s wise to keep temptation away from them.  On a trip, to Tulum, Mexico we saw a couple practically in tears after they discovered their jewelry, iPads and iPhones, and other valuables were stolen from their room. Everyone thought the hotel was safe. The hotel owner said there hadn’t been a theft or break-in in years. But that didn’t make it any easier for the couple who lost valuable possessions.

The U.S. State Department advises that when you travel abroad, “Don’t bring anything you would hate to lose…. and leave at home valuable or expensive-looking jewelry.”

Even in the U.S. as you’re traveling or staying in a hotel, expensive jewelry draws unwanted attention.

Arlene Lester, a spokesperson for State Farm Insurance, suggests that, “You only travel with necessary items and don’t be flashy with your jewelry.

If you must take your jewelry here are 5 tips that may help keep you safe:

2. The best policy is to take only what you will wear, and wear the jewelry at all times.

3. If you have take it off, make sure you put the jewelry in the room or hotel safe and keep the key close to you.

4. If you have to take additional jewelry, keep it in your carry-on luggage or your handbag.

5. Don’t let a hotel, airline employee or anyone else carry the bag that contains your jewelry.

6. Again, keep what you are not wearing in the hotel safe and make sure you keep the key with you at all times.

 

For more travel tips view our video Renting A Car in Mexico and Hawaii for a Multi-Generational Vacation

 

 

 

Fourth Of July American Values

by Barbara Nevins Taylor

We returned from vacation just in time to reflect on the meaning of the Fourth of July and American values. Last week in Sardinia, we sat at a table in a beautiful mountain resort with another American couple and a British couple at an outdoor feast eating wood roasted lamb and suckling pig. And then there was the conversation.

We talked about democracy and the barrage of depressing news from the United States. The highlights included Donald Trump’s impetuous foreign policy, his frightening economic decisions, the foul immigration policy, the separation of families at the border, Russian interference in our election, the hypocritical and seemingly corrupt self-dealing of Trump, his wife and his children while he erodes consumer protections, and the prospect of him shaping the Supreme Court for years to come. Everyone had plenty to say.

“Do you ever think about leaving the U.S.?,” Liz, the British woman, asked.

“No. Never,” I said instantly. “We’re American. We stay and fight for what we believe.” Sure we have plenty to groan about but we also  have the possibility to change what’s wrong. That’s the beauty of our democracy. Yet for our democracy to reflect our American values it’s essential that we all participate, help good people get elected and vote. Not enough of us did that last time around.

We believe in the same kind of American values that impelled the founders of this country to break away from England. And it’s worth taking a couple of minutes to remind yourself about why the thirteen colonies became the United States of America.

Some of the things Thomas Jefferson wrote in the Declaration of Independence sound eerily like freedoms that the Republicans and Trump would like to restrict today We can remind ourselves that those restrictions go against the grain of our American values.

fourth-of-July-American-Values

What you can read below is a transcription from the National Archives of the William Stone engraving of the Declaration of Independence.  The spelling and punctuation reflect the original.

In Congress, July 4, 1776.

The unanimous Declaration of the thirteen united States of America, When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature’s God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.–That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, –That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security.–Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.

He has refused his Assent to Laws, the most wholesome and necessary for the public good.

He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them.

He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.

He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their public Records, for the sole purpose of fatiguing them into compliance with his measures.

He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people.

He has refused for a long time, after such dissolutions, to cause others to be elected; whereby the Legislative powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within.

He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands.

He has obstructed the Administration of Justice, by refusing his Assent to Laws for establishing Judiciary powers.

He has made Judges dependent on his Will alone, for the tenure of their offices, and the amount and payment of their salaries.

He has erected a multitude of New Offices, and sent hither swarms of Officers to harrass our people, and eat out their substance.

He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures.

He has affected to render the Military independent of and superior to the Civil power.

He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:

For Quartering large bodies of armed troops among us:

For protecting them, by a mock Trial, from punishment for any Murders which they should commit on the Inhabitants of these States:

For cutting off our Trade with all parts of the world:

For imposing Taxes on us without our Consent:

For depriving us in many cases, of the benefits of Trial by Jury:

For transporting us beyond Seas to be tried for pretended offences

For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies:

For taking away our Charters, abolishing our most valuable Laws, and altering fundamentally the Forms of our Governments:

For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever.

He has abdicated Government here, by declaring us out of his Protection and waging War against us.

He has plundered our seas, ravaged our Coasts, burnt our towns, and destroyed the lives of our people.

He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation and tyranny, already begun with circumstances of Cruelty & perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.

He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands.

He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless Indian Savages, whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions.

In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A Prince whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people.

Nor have We been wanting in attentions to our Brittish brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which, would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.

We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these United Colonies are, and of Right ought to be Free and Independent States; that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor.

 

What You Should Know About Medicare Part D

Nothing is easy in the Medicare world. If you have Medicare Supplemental, Part F or Part G, to fill the gaps in what original Medicare insurance doesn’t offer, you need a Part D prescription drug plan. So what should you know about medicare Part D?

Be Aware There’s a Penalty for Not Signing Up

You face a monetary penalty for failing to sign up for Medicare Part D. If you don’t have any other type of prescription medication coverage, you have 63 days after you sign up for Medicare to also join a Part D plan. If not, Medicare will add a late penalty to your Medicare premium. They have a formula that gives them a base figure-$31.17 for 2013 and $32.42 for 2014. And they multiply it by the number of months you went without prescription drug coverage.

Tip 1

 COMPARISON SHOP

Not all Medicare Plan D programs are the same. Plans offered by private insurers vary from state to state. The same insurers provide the range of Medicare supplemental plans. So you may already be familiar with them. Jennifer Cohen-Smith of United HealthCare says, “It’s really important to investigate the Part D options. Take stock of the prescription drugs that you are taking and what plans are available to you.”

  • Make a list of your prescription drugs
  • Match your list to what the plans offer
  • Check to see if an insurer limits the amount of prescription medication you can take.

Joe Baker of the Medicare Rights Center says, “You want to look when you choose a Part D plan not only for price, not only is your drug covered but are there any tricky rules that may hit you in the pocketbook.

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Watch and Read: Figuring Out Medicare Basics

Medicare Basics for Boomers and Everyone Else

Medicare Part B, Boomers and Costly Mistakes

Choosing Power of Attorney Tips

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Father’s Day Memories

 

by Barbara Nevins Taylor

A couple of weeks I got a Facebook message from Lewis Bailey. Lewis found the Segal’s Eagles “press pass” and it brought back a flood of memories. It also brought back plenty of Father’s Day memories for me. 

When our dad Zeke Segal died of a heart attack in 1996, we started going through his things. We found a lot about him we knew, and a lot we didn’t. For example, although he was married to Theo, his childhood dancing school sweetheart, not our mother, he liked women and they like him. So it was only mildly shocking when going over the credit card bills, we found that someone had returned a green print caftan to a fancy ladies’ lingerie shop in Atlanta. We never learned who.

We also found many other things that convinced me I knew very little about my father, although I thought I knew it all. He remained in part a mystery to me, one that after his death I could never solve.

So when Lewis sent his message, I perked up. It reminded me of the best things about Zeke Segal and I reached out to Lewis for his recollection.

Zeke hired Lewis as a photographer for the CBS Bureau in Atlanta where he was, according The New York Times, “the dean of Atlanta’s media corps when what has been called the New South was emerging.”

He headed the bureau from 1973 to 1983 and worked with an outstanding group of journalists covering everything south of the Mason-Dixon line through Texas, down through Latin America and Tierra del Fuego.

Lewis is from North Georgia and might have been an outlier for another news boss. But Zeke liked underdogs. He hired Phillip Ghee, the bureau’s first African-American photographer. He hired women and pushed CBS to give them good assignments. 

But back to Lewis. He said that he, as part of what the team called the Segal’s Eagles’ flying squad, worked on special events for CBS, setting up live shots and remote broadcasts in places like Plains, Georgia, the home of candidate and then President Jimmy Carter.

On these special events he worked with the legendary producers Bernard Birnbaum and Shad (Robert J.) Northshield, who started the great CBS program “Sunday Morning.” 

Lewis said, “Zeke punished Shad by assigning me to do anything ‘Sunday Morning’ had to do that Zeke could assign a crew to.” On one assignment, Lewis had an equipment problem, very common, and when Northshield pushed him to hurry up, Lewis said, “God damn it. Shut up, or help.” Northshield apparently reported him to Zeke. Lewis said, “I called Zeke and Zeke had my back.”

Lewis has plenty of stories, but here’s the one that really got me. He said, “Zeke helped to make me rich enough to send my wife to college, allowed me to pay off my college and send all my children to college. I have three doctors, one accountant and my oldest daughter is a child welfare worker. I owe it all to Zeke.”

That salute to my dad and the way he practiced journalism came out of nowhere, and it adds up to a pretty good bunch of Father’s Day memories for me.

 

 

Consumer Advocates Fired By Consumer Watchdog

You have to wonder whether the people running the Consumer Financial Protection Bureau (CFPB) really want to help or protect consumers. The Trump administration’s actions seem to undermine the bureau’s mission

The latest attack on consumer protection came when the CFPB fired consumer advocates appointed to make recommendations and help the watchdog bureau do its job. 

Just a little history here. The CFPB became the go-to place in government to protect consumers harmed by big banks, financial institutions and predators after Congress established the bureau in response to the 2008 financial meltdown.

You may remember that the CFPB forced Wells Fargo to pay restitution and fines totaling $175 million for opening credit card accounts for 1.5 million customers without their authorization and then charging them fees.  The CFPB also went after other big banks, including  J.P. Morgan Chase, for illegal credit card practices, and that brought a $309 million fine. 

It has gone after Citibank, debt collectors, payday lenders, mortgage companies and the big credit bureaus like Equifax, Experian and TransUnion, which collect our financial data but often fail to respond to our complaints or inquiries adequately.

 

The Trump administration has nibbled away at the bureau’s work and the latest move dispirited the advocates committed to helping consumers. Ann Baddour, chairperson of the Consumer Advisory Board (CAB), said, “Firing the current CAB members is another move indicating Acting Director Mick Mulvaney is only interested in obtaining views from his inner circle, and has no interest in hearing the perspectives of those who work with struggling American families.”

Congress created the Consumer Financial Protection Bureau in 2010 as part of the Dodd-Frank protections after the 2008 financial meltdown. The advisory boards were included in law and required to meet several times a year.

But this year, Mulvaney cancelled the meetings. Two days before he fired the consumer advocates, they talked to reporters about the importance of following the law, holding the meetings and taking advice from knowledgable advocates.

The advocates share what the bureau told them after they were fired.  They said, “Anthony Welcher, a political hire brought in by Acting Director Mick Mulvaney, cited these reasons for the termination:

  • The Bureau wanted to save a few hundred thousand dollars, which is estimated to be less than .08 percent of the agency’s overall budget. This is despite the fact that members on today’s call offered to pay to attend meetings from their own budgets.
  • The Bureau cited responses to a Request for Information (RFI) on External Engagement as a justification for the change. When pressed, Welcher admitted that the decision was made before the Request for Information had closed, and he could point to no RFI response calling for dissolving the advisory boards. A review of the RFI responses reveals there was no response calling for a restructuring or dissolution of the current advisory boards.
  • The Bureau cited wanting a more diverse, smaller and inclusive group of people involved. Yet, the advisory groups are inherently a small, diverse group of members, based on the Dodd-Frank Act. Members questioned how Acting Director Mulvaney could have come to this conclusion based on the fact that there had been no meaningful interaction with members.
  • One of the additional explanations for the firing of the Advisory Board members is a “new” plan to hold Town Hall meetings and intimate roundtable discussions — two long-standing practices of the CFPB — and therefore not a justification for firing over 60 committed and diverse volunteers.”

Call your U.S. Senators and Representative if you think the CFPB needs to continue to do its job of protecting consumers.

The U.S. Capitol switchboard will connect to you to your senator or representative. 202 224 3121

 

Desperate For That Designer Handbag?

updated May 19, 2018

by Barbara Nevins Taylor

This story started out as a cautionary tale about buying counterfeit anything from China. But we added a happy ending, because that’s the way it turned out. So we hope you’ll read through.

The elegant doctor walked in carrying a Balenciaga graffiti handbag and Lee Lee Brown fell in lust. “I just had to have one,” she said.  But when she looked on the Balenciaga website she found it cost $2,190 and she groaned. “That’s a month and half for my co-op maintenance payments. Clearly, I have champagne taste with beer pockets.”

Can-you-buy-counterfeits-online-safely-from-China
Balenciaga Website

So Lee Lee, a 51-year-old receptionist in a doctor’s office, began to look online for a cheaper alternative. Another doctor said, “You’d be crazy to spend that much. Get a fake.” He sent her a link to a global marketplace site that linked to a company selling counterfeit handbags in Guangzhou, in Guangdong Province, China. 

“I found a counterfeit handbag for $544 and tried to buy it immediately. But Chase wouldn’t transfer the money to China,” she said.

It turns out that Guangzhou and Guangdong Province are at the center of Chinese counterfeiting, according to the U.S. Trade Representative’s 2017 list of Notorious Markets for counterfeits.

Counterfeit goods from China add up to about 12 percent of Chinese exports, according to the office of the U.S. Trade Representative. Designer rip-offs are lumped into the massive intellectual property theft that includes trade secrets, technology and software that costs the United States an estimated $600 billion a year. The Trump administration says China is responsible for 80 percent of it. 

The threats of sanctions and a trade war by Trump and the Chinese government also highlight the problem of counterfeits from Guangzhou. The seemingly innocent purchase of a counterfeit handbag falls smack in the middle of it.

If you’re like Lee Lee and desperate for a designer handbag you can afford, international commerce and protection of intellectual property may not matter to you. 

But when you consider buying Chinese counterfeits, you might think about what happens during the sale and whether you’ll get what you paid for. The Chinese counterfeiters site Lee Lee used did not accept PayPal payments. The website says, “. . . unfortunately PayPal doesn’t work with replica sellers.”

That’s a warning. PayPal offers protection by putting a hold on money when there is a dispute. With PayPal you also may qualify for purchase protection. But when you buy counterfeits, you fall into a consumer protection black hole.

The seller of Chinese counterfeits suggested that Lee Lee use Western Union. That meant he would get the money up front and he might or might not send the counterfeit Balenciaga handbag.

Still Lee Lee wanted the handbag. But when she learned it would cost her at least an additional $80 dollars for the Western Union fee, she slowed down and put off the purchase.

She could consider that a wise decision. Even if the seller proved honest, agents with U.S. Customs and Border Patrol (USCBP) might have confiscated her package when it arrived in the U.S.

Desperate-For-That-Designer-Handbag?

The agency says it’s on the lookout for counterfeit handbags and wallets, which account for 10 percent of counterfeits entering the U.S. It warns that if agents find you importing counterfeits, you could face fines or a prison sentence.

The International AntiCounterfeiting Coalition (IACC) cautions that you put yourself at risk when you visit websites that offer counterfeit handbags. 

In a statement, the IACC told ConsumerMojo.com, “Downloading or streaming from illegal websites could put you at risk for malware – which can steal your personal or credit card information.” The group also stresses that counterfeiting steals money from legitimate manufacturers and causes people to lose jobs.

The IACC points out that money from counterfeiting operations may support terrorism, organized crime and drug trafficking.

But when you want something as desperately as Lee Lee wanted the Balenciaga handbag, you have to remind yourself about the potential danger of buying counterfeits.

Even after we talked about it, Lee Lee still tried to get the handbag. She said, “I went back to Western Union and they wouldn’t allow me to send the money. So I just forgot about it.” And then on Mother’s Day, her fiancé Robert, better known as DJ Knuckles for his work with the rapper Fatman Scoop, gave her the real thing as a gift.

 

“He went to Saks and bought it for me,” she said, laughing as she shared the happy ending.

 desperate-for-that-designer-handbag

 

 

 

 

 

 

 

Lunch With Mom

 

by Barbara Nevins Taylor

Our mom called Mother’s Day a greeting card holiday. Yet the mushy romantic side of her wanted a card, a gift and a wonderful lunch. I wish we had a chance to have one of those lunches again. 

I took my mom to lunch the day before she died and neither of us thought that it would be our last. I thought I’d still be driving her to lunch when I was 102, and I have to say that at the moment the idea flashed in my mind it didn’t make me happy.

We had recently celebrated her 95th birthday and while she was getting wobbly, she seemed okay. She suffered from dementia.

She knew me and my sister, her sons-in-law, her brother and his wife, her best friend from childhood, who visited often, and the assisted living staff at Atria Tanglewood in Lynbrook, Long Island, her home in her last years.

She liked going to lunch. “Let’s go to our place,” she’d say. She had a crush on Bill Tsemplis, the owner of the Valbrook Diner, and flirted with him.

He flirted back. She also liked the people who waited on us.  Most of the time, we had fun at these lunches and laughed a lot. She carried on a conversation up to a point.

 

She often ordered pancakes and drenched them in syrup. One day she saw someone eating a mound of french fries and ordered them too.  When the server brought the pancakes and the french fries. She shook her head, laughed and asked, “Who orders french fries with pancakes?”

Because she refused to wear a hearing aide, I had to sit across from her so that she could read my lips. “Speak up. Stop mumbling,” she often said. At that point I resorted to writing notes on napkins.

 

Many of these written conversations involved her family. “How are the folks?” she’d ask. She thought her mother and father were still alive. A few years earlier, when she was still using the telephone, she discovered a Sarah Robin, her mother’s name, in the phone book and called this woman frequently. 

After the first time, she called me crying. “Why won’t my mother talk to me?” she said. “She hung up on me.” I was with my husband in South Carolina where he was giving a talk, and I felt like laughing and crying at the same time. All I could think to say was, “Mom, that’s not Grandma. It’s someone with the same name. Grandma wouldn’t hang up on you.”  

Grandma Sarah Robin

Then she demanded, “Well, where is she?” I knew this was tricky territory but I went there anyway: “Mom, she died a long time ago.”  

“That’s not true,” she said indignantly and went rolling down the rabbit hole. “Why did my mother hang up on me?” she asked again and again. When I didn’t give her the right answer, she called my sister. Then she called her brother. 

Our mom was persistent and this went on for a bit until the woman changed her number. 

 At our lunches, the conversation turned frequently to her age. “I can’t be that old,” she would say. “Do the numbers,” I suggested. She had been a teacher and a bookkeeper before that. She knew her math. “What year were you born?” I asked. She’d write it down on the napkin and she says, “What year is it?” I’d tell  her. She’d do the subtraction and say, “Impossible. Impossible.”

“How old are you?” she challenged me. “I never tell my age,” I would say.  She laughed and said, “That’s ridiculous. I’m your mother.”

She died peacefully in her sleep. It was her time and all of that. But I do miss her and those lunches and wish we had a chance to it again. I know my sister Hope feels exactly the same way. 

 

Mom, Hope & Bob Way Back

 Read Nick Taylor’s story about an orphan and his mother 

 

Trump Administration Fails Student Loan Borrowers

Cruel ironies abound as the Trump administration fails student loan borrowers. The man who brought you a phony university and paid a $25 million settlement to repay students for cheating them, now will kill the watchdog office that protects student borrowers from getting fleeced by lenders and collectors.  This move comes in the same week that Americans’ student loan debt topped $1.5 trillion.

Consumer Financial Protection Bureau (CFPB)  Mick Mulvaney told his staff he plans to shut down the Consumer Financial Protection Bureau’s (CFPB) Office for Students and Young Consumers, an investigative unit. He’ll move it into the office of consumer information.

The Office for Students and Young Consumer monitors predatory practices in student lending and is the only group that protects 44 million student loan borrowers from fraud and abuse. Since it began its work in 2010, the Office for Students and Young Consumers has:

  • Returned more than $750 million to student loan borrowers.
  • Helped more than 60,000 borrowers demand answers from student loan companies.
  • Held companies like Navient and ITT Tech accountable for predatory practices.

On the CFPB website, it clearly shows how it helps students. Just read this:

“In response to our public inquiry into student loan servicing practices, we received over 30,000 comments from the public, highlighting the costly surprises and runarounds some borrowers face when dealing with their servicers. We documented these widespread servicing failures reported by borrowers in our recent report, Student Loan Servicing.”

Christopher Peterson, Financial Services Director at the Consumer Federation of America (CFA), said,  “This action actively promotes greater profits for a handful of debt collection businesses at the expense of mistakes, neglect, and confusion for millions of student loan borrowers.”

Persis Yu, staff attorney and director of the National Consumer Law Center’s (NCLC) Student Loan Borrower Assistance Project, said,
“Mr. Mulvaney’s action is a naked ploy to silence an effective team looking out for student loan borrowers.”

The NCLC detailed ways that the Office for Students and Young Consumers attempted to ease the burden of the student loan system.

“In particular, the Office uncovered problems with the U.S. Department of Education’s implementation of income-driven repayment plans, eventually leading to a lawsuit against student loan servicer Navient for practices that caused borrowers to pay thousands of additional dollars on their federal student loans and added years to their repayment.”

Without adequate protection, consumer advocates worry that predatory practices will begin again and continue to trap students in debt for decades. 

Wells Fargo Could Owe You Money Again

update December 28, 2018

Wells Fargo could owe you money, yet again. Investigators found Wells Fargo cheated mortgage customers and auto loan customers and now has to repay those who were harmed. The Consumer Financial Protection bureau hit the bank with a $1 billion fine and the Comptroller of the Currency fined the bank $500 million and ordered it to clean up its management practices.  There is a new settlement as of December 28, 2018 and we explain all of that here

Wells Fargo previously paid a $100 million fine for opening credit card accounts for 3.5 million customers who did not authorize them to do it. 

In the latest settlement with the Consumer Financial Protection Bureau (CFPB), Wells Fargo acknowledged it overcharged mortgage customers who needed to extend the period for locking-in an interest rate. Although an internal bank audit, in 2013, found the bank routinely over-charged customers for extending the rate-lock, Wells Fargo continue to cheat customers through October 2016. 

The settlement also lays out how the bank’s bad practices affected auto loan customers going back to 2005. Wells Fargo forcibly placed insurance on the vehicles of about 2 million people who took auto loans with the bank. What the insurance industry calls forced-placed insurance typically is ordered by a lender when a customer’s insurance policy lapses. 

But Wells Fargo apparently ordered blanket forced-placed insurance policies for hundreds of thousands of auto loan borrowers who already had insurance, or replaced lapsed insurance policies with new ones. 

The additional cost to some consumers caused late payments and in some cases led to borrowers losing their cars to repossession. 

The settlement with the CFPB and the Comptroller of the Currency requires Wells Fargo to clean up its management practices and to repay customers who have been harmed.

Wells Fargo has 120 days to come up with a plan to reimburse mortgage and auto loan borrowers. If you think Wells Fargo could owe money, theoretically you should not have to do anything. Wells Fargo should notify you. 

But it might help to let the CFPB know that you are among the people to whom Wells Fargo could owe money. You can submit a complaint here.

 

 

 

 

Your Trump University Payback

If you fell for the promises and then discovered that Trump University ripped you off, it’s time for your Trump University payback. 

U.S. District Judge Gonzalo Curiel in San Diego approved the final $25 million settlement that will allow money to go to former students immediately. The decision came after former student Sherri Simpson decided not to challenge the judge’s settlement order. She wanted the right to sue on her own and for awhile it looked like she would continue to hold things up. Her attorney told Reuters that they “gave it our best shot,” and decided it was time to agree to the settlement.

Simpson spent about $19,000 on Trump University and originally resisted the idea of settling because that meant she couldn’t sue to reclaim the entire amount, or more than what she paid.

When Judge Curiel granted the settlement in March 2017, he pointed out that it granted a payback to thousands of students who could recoup 90 percent of the money they shelled out to Trump University. 

In 2013, New York Attorney General Eric Schneiderman got the ball rolling against Trump University when he sued Donald Trump  for “swindling students.”

Schneiderman hailed the judge’s final order. He said,“Judge Curiel’s order finalizing the $25 million Trump University settlement means that victims of Donald Trump’s fraudulent university will finally receive the relief they deserve. We are particularly pleased that the final settlement we negotiated with class counsel ensures that members of the class will receive an even higher settlement than anyone originally anticipated. This settlement marked a stunning reversal by President Trump, who for years refused to compensate the victims of his sham university. My office won’t hesitate to hold those who commit fraud accountable, no matter how rich or powerful they may be.”

If you were part of this class action lawsuit, attorneys are likely to get in touch with you.