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Donald Trump is not called a civil libertarian, but Supreme Court Justice Elena Kagan cited his uninterrupted use of Twitter because the court heard about North Korea Oral debate on Carolina law, which restricts registered sex offenders’ use of social media.
“Actually, everyone uses Twitter,” Kagan said. “All 50 governors, all 100 senators, and every member of the House of Representatives have a Twitter account. Therefore, this has become a vital channel for political communication.”
The case involved Lester Gerard Packingham. The court news agency reported that he was arrested for dating a 21-year-old 13-year-old girl. This puts him under the 2008 state law, which prohibits sex offenders from using commercial social networks.
All went well until Packingham appeared in court and beat the traffic ticket, then took it to Facebook to celebrate his victory.
“Human God is a good man!” the post said. “How did I get their favor, they even issued a ticket before the court session? No fines, no court fees, no money spent… Praise God, wow! Thank you Jesus!”
A police officer searched the Internet for sexual offenders and found the position, and Packingham was in trouble again. Packingham’s lawyer, David Goldberg of the American Civil Liberties Union, argued that the state’s laws were “swamped” and too broad. He called this “a significant reduction in freedom of speech.”
Goldberg said: “The law touches the core activities of the First Amendment, and this has nothing to do with the government’s preventive purposes. Parkingham has not been accused of communicating with minors or checking the identities of minors.” He violated [the law] by talking to his friends and family about his experience in traffic court.”
Lieutenant State Attorney Robert Montgomery defended the state, arguing that the law is similar to a law that prohibits sex offenders from visiting schools, playgrounds and similar locations. The judge asked him whether the law was so extensive that it deprived him of inalienable rights that had nothing to do with the sexual contact of minors.
“So in this case, one cannot access the president’s Twitter account to understand what the president is talking about today?” According to the Supreme Court’s transcript, Justice Kagan asked Montgomery. “It’s not just the president. I mean, we are aware of this because the president now uses Twitter. But in reality, everyone uses Twitter…. So this has become a vital aspect of political communication. It is an important channel. One cannot enter these places to find out what members of our government are thinking, talking or doing; right?”
“Yes,” Montgomery admitted. “But there are other options. Usually, those members of Congress also have their own web pages.”
When the judge filed a class action lawsuit in Florida, accusing Ford, Honda, Nissan, and Toyota of installing defective airbags on cars for several years, the judge’s order has not fined airbag manufacturer Takata by $1 billion. , This ink hasn’t dried yet. Know that they are dangerous.
“For more than a decade, Takata lied to customers about the safety and reliability of its ammonium nitrate-based airbag inflators,” said Acting Assistant U.S. Attorney General Blanco after a Detroit federal court judge imposed a fine on Monday. “Kakada Corporation, knowing that the inflator does not meet the requirements, allowed the inflator to be inflated into the vehicle, thus abusing the trust of its customers and the public.
The Florida lawsuit is not just about Takata’s knowledge of the harm caused by malfunctioning airbag inflators. It claims that automakers know the dangers, but have been pressing suppliers to reduce costs and continue to use Takata airbags, even if they know they are prone to explosions and eject deadly shrapnel into the passenger compartment.
In the United States, at least 11 people have died and more than 100 people have been injured by airbags. Automakers have recalled 70 million airbags out of 42 million vehicles on a large scale.
The Florida lawsuit was filed by attorney Kevin Dean, who opposed Takata’s plea deal and accused the court of filing documents showing that the car manufacturer was not a victim of Takata’s cover-up case, but an accomplice.
In any case, Judge George Caram Steeh approved the settlement agreement, stating that Dean’s objections could be resolved in a separate civil lawsuit.
Honda firmly denied the allegations in the Florida lawsuit, saying it “reasonably believes” that they are safe.
In the first few weeks of his inauguration, the Trump administration has targeted some policies of its predecessor.
A typical example is the Federal Communications Commission (FCC), whose control was transferred from Democrats to Republicans following the change of government.
The newly appointed FCC chairman, Ajit Pai, quickly abandoned his predecessor’s position on net neutrality-the principle that Internet service providers (ISPs) should not favor one type of content.
Pai argued that companies with broadband distribution networks need to charge more for data-intensive content such as movies for free.
Late last week, Pai stated that he intends to roll back another Obama-era policy-FCC proposed rules that require ISPs to obtain specific customer approval before sharing sensitive information with third parties.
The rule has not yet taken effect. Pai said it will block the rule, believing that the rule has brought an unfair privacy burden to ISPs, and ISPs are not shared by websites and social media networks.
His move was strongly opposed by privacy advocates inside and outside Congress. Senator Edward Markey (Edward Massachusetts) is one of the most outspoken critics in Congress.
He said that Internet service providers should bear heavier responsibilities because they are “gatekeepers.” He accused Ajit of giving ISPs the green light to ignore best industry practices and put consumers’ sensitive data at risk.
Matt Wood, the policy director of the advocacy organization Free Press, said: “Chairman Pei suspended data security rules under the Broadband Privacy Act, which shows that he clearly intends to completely undermine the broadband privacy laws.” In a 3 to 2 vote During the vote, Pai decided to suspend these orders under his own authority, which shows that he ignores agents and consumers who are more vulnerable to private information. ”
Wood said it was no coincidence that Pai took action to prevent the proposed rules from taking effect. The privacy policy was originally scheduled to take effect on March 2.
Wood said: “What he is doing today with regard to the privacy protection of Internet users clearly shows that he intends to withdraw all other protection measures in due course.”
The FCC adopted privacy rules last year. They require ISPs to obtain consumer permission before selling information about them (such as their web browsing history). The rule also requires Internet providers to inform consumers who is receiving their information.
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Having a child can cause many sleepless nights, but a new study shows that in the grand plan, mothers may be less sleepy than fathers.
Researchers found that women are much less likely than men to get a good night’s sleep when there are children at home. They say this can explain why some women feel so tired compared to others.
“I think these findings may help women who feel exhausted. Our research found that not only did they not sleep long enough, but they also felt tired all day long.” said the study author, Dr. Kelly Sullivan of Georgia Southern University.
For the purpose of the study, the researchers surveyed more than 5,800 people and asked them how long they slept last month and how tired they felt. Participants analyzed factors such as age, race, education level, marital status, number of children in the family, income, body mass index, exercise, employment, and hitting to assess any link to sleep deprivation.
Researchers found that among approximately 2,900 female respondents aged 45 or younger, having children at home is the only factor that decisively affects how much sleep they get. They found that for every child in the family, the chance of insufficient sleep increased by nearly 50%.
In addition, the researchers found that 62% of women in this group without children can sleep at least seven hours a night. For women with children, this figure drops to 48%.
Researchers believe that their study explains why some women often report feeling tired or tired. They pointed out that young women with children feel tired for an average of 14 days a month, while women without children have only 11 days.
Interestingly, the number of children living at home has nothing to do with how long a man sleeps at night. Sullivan said that although the gender differences are not fully understood, the main concern is the health effects of lack of sleep on all people.
Adequate sleep is a key component of overall health and affects the heart, mind and weight. It is important to understand what keeps people from getting what they need so that we can help them move towards better health. “she says.
Commercially bred cats and dogs usually live in poor conditions, and many unadopted shelter animals are executed every year. But the new regulations may help.
Using a garden stool in the shower sounds like an innocent innovation, but it ended with the death of 61-year-old Larry Stick of Adamstown, Pennsylvania. Now his widow is.
Consumers who want to visit a particular destination can or will spend a limited amount of money on the journey. But rely on…
Are you the ones you really caught from “free-range” chickens? What is free-range chicken? The Federal Court of Appeals stated that this is not a problem.
Scientists are increasingly concerned about the threat of super bacteria-the pathogen or bacteria of super bacteria.
Since then, the country has been slowly moving towards recovery. Today, many consumers feel much better than a few years ago. However, baby boomers are least likely to feel this way.
A safe retirement study commissioned by the Banker’s Life Center found that only 2% of middle-income baby boomers believe that the economy has fully recovered. Sixty-five percent believe that they have not benefited from the recovery at all.
Although almost all baby boomers say they hope to retire one day, this study found that retirees retire almost universally.
There are two reasons for this situation: Among those who said the group did not benefit from the economic recovery, more than half said that their savings were less than the level before the crisis. Four in ten said that their income is less than it was ten years ago.
At the time, 45% of middle-income Boomers said that they expected to live in unsecured houses without debt after retirement. Today, only 34% of people have expectations.
Baby boomers who are planning to retire also plan to rely more on Social Security income. Ten years ago, 40% of baby boomers said they expected retirement savings to be their main source of income. Today is 34%.
Therefore, it is not surprising that many baby boomers seem to be reconsidering plans to stop working. The study shows that nearly half of baby boomers (48%) plan to keep a full-time or part-time job after they reach retirement age. Before the financial crisis, this proportion was only 35%.
Bankers Life President Scott Goldberg said: “Ten years ago, baby boomers had a clear understanding of personally satisfying retirement. “But today, many people realize that their financial independence in retirement will not be as they once expected. . ”
If you are in the 50s or 60s, then you will not have enough time to accumulate wealth during the golden age. However, you can now take some steps to be better prepared. They involve cutting spending and increasing savings.
First, AARP recommends defining the age at which you wish to retire. And be specific. For example, if you want to travel, please consider what kind of travel. Needless to say, you need to be pragmatic.
Next, add your assets, including financial and personal assets. If you have accumulated skills related to your favorite hobbies over the years, this may be a source of income after you quit your daily job.
Determine when to start collecting social security. If you can postpone it to 70, the monthly payment will be much larger.
Analyze the budget and find ways to reduce expenditure. It only takes a little time each month to increase your savings.
The National Association of Realtors (NAR) wants to help you cut taxes. Why are trade organizations representing real estate agents willing to do this?
Well, there is a connection. Home ownership comes with some tax deductions, especially mortgage interest deductions. This group may be because if you understand all the tax benefits of home ownership, then you are more likely to want to buy a home.
NAR’s website, HouseLogic.com, provides homeowners with information on how to maximize house tax savings. An article introduces homeowners to the various ways that owning a home will change the way they pay taxes.
Probably the biggest change is the tax form you use to file taxes. If you have used the “short form” 1040EZ in the past, you must switch to the standard form 1040 because you need to itemize the deductions on Schedule A.
Before buying a house, you may have just applied for the standard deduction. But after owning a house for a year now, you may have to pay mortgage interest and property taxes. When you combine them with state and local taxes that you have always paid but never deducted, your itemized deductions may exceed the standard deductions.
To date, the largest household-related deduction is mortgage interest deduction. At the end of the year, your lender sent you a form showing how much interest you paid during the year. It may be several thousand dollars.
To be deducted, the loan must be secured by your home, but the IRS has a very broad view of the possibilities. Yes, it is a family home or apartment, but it can also be a boat or trailer. The IRS only requires you to be able to sleep and cook in it, and to have a toilet.
If you have a home equity credit line-a second loan with home equity as collateral, the interest is also tax-deductible. Many people use HELOC to make large purchases or consolidate credit card debt because they can offset interest.
If you happen to buy a holiday home, mortgage interest and taxes on the property are also tax-exempt.
When buying a house for the first time, many consumers decide that professionals prepare their taxes so as not to ignore any deductions. This is not a bad idea, but NAR stated that most homeowners are fully capable of preparing their own tax returns.
NAR recommends using tax preparation software to ensure that you get all the deductions you should get. If the adjusted total income is below a certain level (usually $62,000 per year), you are eligible to use the tax preparation software on IRS.gov for free.
The World Federation of Large Enterprises reported that the consumer confidence index in February fell 3.2 points to 114.8 after falling for a month and a half.
While improving, the current conditions index rose from 130.0 to 133.4, and the expectations index jumped to 102.4 from 99.3 last month.
Lynn Franco, Director of Economic Indicators of the Conference Committee, said: “Consumer confidence increased in February and maintained its highest level in 15 years.” “Compared with this month, consumers’ And labor market conditions are evaluated even higher. People’s expectations for the short-term prospects of companies and their job and income prospects have improved. Overall, consumers expect the economy to continue to grow in the coming months.”
Consumers’ assessment of the current situation is relatively stable, with those who said that the business situation was “good” dropped from 29.0% to 28.7%, while those who thought it was “bad” dropped from 15.9% to 13.2%.
The way consumers view the labor market is also mixed. Those who said work was “a lot” dropped from 27.1% to 26.2%, while those who said work was “hard to get” also dropped from 21.1% to 20.3%.
The short-term outlook is more optimistic. The proportion of consumers whose business conditions are expected to improve in the next six months will increase from 22.9% to 24.0%. But at the same time, those who want business conditions to deteriorate also rose from 10.8% to 11.1%.
Consumers are more optimistic about the labor market. The proportion of people who are expected to have more jobs in the next few months rose from 19.7% to 20.4%, while the proportion of those who think jobs will decrease from 14.4% to 13.6%.
The proportion of consumers expecting income growth rose from 18.1% to 18.3%; the proportion expected to decline from 9.4% to 8.2%.
The monthly consumer confidence survey based on a random sample of probability design is conducted by The Nielsen for the conference committee, Nielsen is a provider of information and analysis about consumers buying and viewing products. The deadline for preliminary results is February 16.
The U.S. Department of Commerce’s second observation of economic growth in the fourth quarter was no more encouraging than its initial estimate.
Therefore, the annual growth rate of real gross domestic product (GDP) in the last three months of 2016 was 1.9%, the same rate as reported at first glance. In the third quarter of last year, the annual GDP growth rate was 3.5%.
For the entire year of 2016, real GDP increased by 1.6% over the 2015 level, while in 2015 it increased by 2.6%.
According to the second estimate, the overall situation of economic growth in the fourth quarter remained unchanged. The increase in personal consumption expenditure (PCE) was even greater, and the increase in state and local government expenditures and non-residential fixed investment was smaller than previously estimated.
The GDP price index increased by 1.9% in the fourth quarter, while the third quarter increased by 1.5%.
The PCE price index rose by 1.9%, while it rose by 1.5%. Excluding food and energy prices, the PCE price index rose 1.2%, compared with a 1.7% increase in the previous quarter.
Little Tikes in Hudson, Ohio, recalled approximately 540,000 Little Tikes 2-in-1 Snug’n Secure Pink toddler swings.
The company has received about 140 reports of broken swings, including 39 children injured, including bruises, abrasions, cuts and head bruises. According to reports, two people were injured, including a child with a broken arm.
The recall involves the Little Tikes 2-in-1 Snug’n Secure pink toddler swing. There is a pink T-shaped restraint in front of the swing with the Little Tikes logo on it, and it is suspended by four yellow ropes.
Model 615573 is molded on the back of the swing seat, with the date code stamp on the back of the seat. The shaped internal arrow of the date code marking points to “10″, “11″, “12″ or “13″, which has been included in the recall.
In addition, the recall also includes swings with a date code stamp marked “9″ on the internal arrow and “43″ or higher on the external label. Does not affect other date codes or other color swings.
This swing is manufactured in the United States, and from November 2009 to May 2014, it was sold at Wal-Mart, Toys “R” Us and other national stores as well as online stores www.littletikes.com and other websites for $25.
Consumers should immediately stop using the recalled swings and contact Little Tikes for a refund in the form of credit for purchasing other Little Tikes products.
Consumers can contact Little Tikes for free at 855-284-1903 from Monday to Friday from 8 am to 8 pm (Eastern Time), or they can contact them online at www.littletikes.com and click ” “Serve You” menu under “Product Recall” for more information.
The store family of Lakeview Cheese and Bashas is recalling various types of Colby cheese that may be contaminated with Listeria.
The following 9 Colby cheese products are recalled, including fixed-weight and bulk random-weight products:
The recalled products were manufactured by Guggisberg Cheese and Deutsch Kase Haus, and then distributed by Lakeview Cheese to Bashas home stores, and sold under the grocery brand’s own brand in the Arizona meat department of Bashas and Food City supermarkets.
Customers who purchased the recalled product between September 1, 2016 and February 21, 2017 can return it to the place of purchase for a full refund.
Consumers who have questions can call 480-883-6131 to contact Bashas’ Store Home Customer Service Department.
The exhaust pipe of the fuel tank may rub against the ribbed protective sleeve of the battery positive (B+) cable, thereby forming holes in the exhaust pipe and causing fuel vapor leakage.
BMW will notify the owner that the dealer will check the fuel filler pipe and replace it if necessary, and install a fixing clip to prevent scratches, free of charge. The recall is expected to begin on April 3, 2017.
According to reports, Takata has agreed to set up a fund to compensate the victims of its airbag failure, which is alleged to have caused 11 deaths and hundreds of injuries in the United States. The $125 million fund is part of a plea agreement, which is expected to be broadcast in Federal Court in Detroit on Monday.
More than 70 million defective airbags were recalled because their inflators exploded and sent deadly shrapnel into the passenger compartment.
Although regulators and automakers say that the recall process has been carried out as quickly as possible to eliminate and replace defective parts, consumers believe that the recall process is very slow.
Last December, the National Highway Traffic Safety Administration (NHTSA) issued an order setting a deadline for automakers to provide customers with replacement parts.
“NHTSA is doing everything it can to ensure that there are no more preventable injuries or deaths caused by these dangerous airbag inflators,” said Dr. Mark Rosekind, then NHTSA Director. “All car owners should check on SaferCar.gov regularly for recalls and repair them for free as soon as they have spare parts.”
Of course, this is not easy. Consumers and distributors are frustrated by the lack of parts. Some automakers ask dealers to provide borrowers, but most do not, leaving consumers no choice but to walk around with deadly explosive devices, which are only a few inches away from their faces.
The fund is said to be similar to the fund set up by General Motors in 2014 to deal with casualties caused by malfunctioning ignition switches of some small cars. The Wall Street Journal and other news reports stated that the fund will be managed by Kenneth Feinberg, who also runs the General Motors Fund and will The victims of the terrorist attack on September 11, 2001 provide compensation.
The funds are part of the $1 billion that Takata is expected to pay. As part of the agreement, Takata will be suspected of providing a false safety report to the automaker and admitting criminal conduct. Most of the remaining money will be used to reimburse the costs incurred by the automaker for the recall.
Takata earlier rejected the request of Senator Richard Blumenthal (Connecticut, U.S.), saying that it had set up a fund to compensate victims and saved victims from filing laws against the company. The costs and trauma of litigation. He said that Takata only agreed to take action, “because they have guns on their heads.”
Blumenthal pointed out that General Motors established its own fund just a few months after recalling millions of cars with defective ignition switches. Compared with the automaker’s fund, he called the $125 million “insignificant.”
Resolving the high-ranking official’s case is considered to be the final obstacle to Takata’s attempt to seek an acquisition for the troubled company, otherwise the company may face bankruptcy.
The federal income deadline is almost over, but you still have time to contribute to the deferred tax retirement account and rely on it.
You may have never heard of Cloudflare, but you may have heard of you. It is an Internet service provider that can handle about 10% of the world’s network traffic, and has just learned that a “leak” in its system has exposed an unknown amount of data to the public.
Wired.com reported that the vulnerability was first discovered by Google vulnerability researcher Tavis Ormandy on February 17, but it had been leaking data as early as September 22.
Cloudflare’s corporate customers include household names such as Uber, Fitbit, and OkCupid, so there is potentially a lot of personal information at risk-everything from user IDs and credit card numbers to health data.
Company officials emphasized that the security breach was not the work of a hacker, but a bug that made certain data (one in every 3.3 million page requests) publicly visible on the Internet. This doesn’t sound like much, but considering the billions of page requests that Cloudflare routinely handles every day, this may be important.
It is difficult to estimate the severity of the problem, but it illustrates the risks involved in today’s massive data storage and transmission systems. Even a well-designed and well-maintained network may encounter small problems, and the consequences of small problems may be great.
In this case, Cloudflare officials said that although the data leak is real, there is no evidence that any data has been misused.
According to a report in the Wall Street Journal, Cloudflare’s Chief Technology Officer John Graham-Cumming said: “We think it’s actually unlikely that someone will find it and deal with it badly.”
The advice to consumers sounds familiar-change the password. Of course, this is easier said than done. If we follow the advice of experts, most of us will have hundreds of passwords, that is, each site we visit has a separate password.
A consumer we know has a 19-page user ID and password list. He uses Lastpass to generate and store passwords, but still often encounters frequent incidents where a single site (such as Google) may require 20 or more passwords to use different accounts and functions.
Keeping them tidy is very difficult, and the idea of ​​changing them whenever another bug occurs, cracked or leaked becomes a little absurd.
We believe that indoor cats are a kind of indulgent and safe life. But a new Swedish study found that indoor cats contain high levels of brominated flame retardants.
Your smartphone already has a function that lets you know how much battery life is left. Now, a new application called WakeMode can provide functionality for it.
The Obama administration is cautious about self-driving cars. It now appears that the Trump administration may be more inclined to release the brakes.
U.S. Transportation Secretary Huilin Zhao told the National Association of Governors on Sunday that driverless cars are expected to reduce traffic accidents, although she pointed out that there are 3.5 million truck drivers in the United States and they may also have an impact on the job market.
Zhao Chao said she is reviewing the self-driving car guidelines issued by the Obama administration in September. Automakers claim that the guidelines may allow states to implement their own regulations and require auto companies to share proprietary data, which may unnecessarily slow down the development of autonomous vehicles.
Chao pointed out that the number of deaths in traffic accidents rose by 7% in 2015 and increased by 8% in the first nine months of 2016. He said: “There are many stakes in the correct use of this technology.”
Chao pointed out that the survey found that motorists are no strangers to the idea of ​​self-driving cars, and she urged automakers and Silicon Valley technology companies to “help educate the skeptical public about the benefits of automation technology.”
Kia Motors temporarily settled a class action lawsuit alleging that the crankshaft bolts may break, causing catastrophic engine failure. Shipowner in 2003
Image source: Jfarr11-Wikimedia Commons Recently, the aviation industry has undergone some changes, most notably the addition of “ba…
There are many scientifically supported health benefits of taking natural doses daily. Take a walk in the woods (commonly known as “forest baths” in Japan.
What is the latest mobile device that has attracted everyone’s attention? It does not have a lightning-fast microprocessor or high-definition screen, but it can make calls.
Researchers have been making progress in the fight against neurodegenerative diseases. As early as December, scientists from Oregon Health and Science University had worked at the university.
Ready to use the kiosk to order burgers and fries at Wendy’s. The Ohio-based fast food company revealed that it plans to install a dining kiosk at 1:00.
Interest rates are rising. In the latest report of the Mortgage Bankers Association, the average interest rate for 30-year fixed-rate mortgages has risen slightly.
Contract activity in the Midwest and West stagnated, reducing home sales for sale to their lowest level in a year in January.
The National Association of Realtors (NAR) reported that its Pending Home Sales Index (PHSI) fell 2.8% to 106.4 last month. Although its latest reading is low, PHSI is still 0.4% higher than the same period last year.
Lawrence Yun, chief economist at NAR, said: “The severe shortage of listings last month and the decline in affordability due to higher house prices and mortgage rates have discouraged many potential buyers.” In metropolitan areas, the traffic volume of buyers can easily catch up with the traffic volume of sellers, which is why the rate of home sales is much faster than a year ago. The most notable thing is that in Western countries, houses are sold out within a month It’s not uncommon.”
Yun said that since the Great Depression, the interest in buying a house has been the highest, giving families more confidence in their financial situation. Employment growth has been strong in most of the country, and the stock market has seen record growth in recent months.
Yun pointed out that although these factors are favorable for sales growth in the coming months, buyers are dealing with challenging supply shortages, which continue to push up prices in many regions.
He said: “What is worrying is that the acceleration of price appreciation in January was because it exceeded the rate of income growth by more than twice the rate of income growth, and mortgage interest rates also rose sharply from six months ago.” “Especially in the most expensive. In the market, potential buyers will feel that their budgets are tight, and they may have to save extra or compromise on house size or location.”
Mercedes-Benz USA (MBUSA) recalls 1,051 2017 CLA250, CLA250 4Matic, E400 Coupe, E400 4Matic Coupe, E550 Coupe, E400 Cabriolet, E550 Cabriolet, E300, E300 4Matic, E400 Wagon, GLA250 and GLA250 4Matic cars .
In the event of a collision, the pelvic airbag or front passenger airbag inflator actuator may not ignite.
If the pelvic airbag or front passenger airbag does not deploy as expected during a collision, the risk of occupant injury increases.
MBUSA will notify car owners and dealers will replace the affected airbag modules free of charge. The recall is expected to begin in early March 2017.
Chrysler (FCA US LLC) recalled 69,298 2014-2017 Dodge chargers and Chrysler 300s equipped with all-wheel drive (AWD).
The front drive shaft bolts may loosen and allow the front drive shaft to be disconnected, which may cause power loss and increase the risk of a collision.
Chrysler will notify vehicle owners that dealers will replace all eight front drive shaft bolts free of charge. The recall is expected to begin on March 31, 2017.
Vehicle owners can call Chrysler Customer Service at 1-800-853-1403. Chrysler’s recall call is T03.
Cooper Tire & Rubber Company recalled 7,067 Discoverer M+S Sport tires in sizes 235/75R15, 255/65R16, 215/70R16, 225/70R16, 235/70R16, 245/70R16, 265/70R16, 255/60R17, 225 /65R17, 235/65R17, 265/65R17, 255/55R18, 235/60R18 and 255/50R19.
The tire may be marked with the “Alps” symbol, but it does not meet the traction requirements of snow tires. Therefore, they do not meet the requirements of Federal Motor Vehicle Safety Standard (FMVSS) No. 139 “New pneumatic radial tires for light vehicles”.
Tires may not provide the expected traction or performance when it is snowing, which increases the risk of a crash.
Cooper will notify car owners that dealers will replace tires of all affected brands for free. The recall began on February 20, 2017.
Car owners can call Cooper Customer Service at 1-800-854-6288. Cooper’s phone number for this recall is 166.
Ready Pac Foods, located in Swedesboro, New Jersey, Jackson, Georgia, and Iwindale, California, are recalling approximately 59,225 pounds of a chicken salad.
The recalled products carry bearing numbers P-27497, P-32081 or P-18502B in the USDA inspection mark and have been shipped to retail stores across the country.
Customers who bought the recalled product should not consume the product, but should discard or return it to the place of purchase.
The bolts holding the inflatable curtain (IC) airbag in place may break, which may prevent the IC airbag from deploying properly in the event of a collision. Therefore, these vehicles do not meet the requirements of Federal Motor Vehicle Safety Standard (FMVSS) No. 226 “Injection Mitigation”.
If the IC airbag fails to deploy properly during a collision, the risk of vehicle occupants injury will increase.
Volvo will notify car owners and dealers will check and replace bolts free of charge if necessary. The recall is expected to begin on April 1, 2017.
Car owners can call Volvo Customer Service at 1-800-458-1552. The Volvo phone recalled this time is R89714.
Many law enforcement agencies retreated on the Standing Rock Sioux reservation Thursday to expel self-styled water protectors who run counter to the Dakota Access Pipeline.
The target of the federal and local agencies is the Oceti Sakowin camp, which is adjacent to the reservation but on land that the authorities claim to belong to the Army of Engineers. Although many protesters have agreed to cross the frozen Cannonball River to the reserved area, other demonstrators have promised to passively resist federal orders and stay with Ositi Sakowin until the end.
At the end of last year, the U.S. Army Corps of Engineers promised to conduct a new environmental review of the Dakota Passage. The review began this month. After that, it abandoned these plans and granted the necessary drilling rights to the energy transfer partners on February 7. Lake Oa. At the same time, the Corps also announced the deadline for people to leave Oceti Sakowin camp on February 22, citing the spring floods.
The arrest began on Wednesday as promised, but the police left before the Oceti Sakowin camp was cleared. Late Thursday afternoon, heavily armed police entered Oceti Sakowin again and completed the raid. Video footage released by protesters and independent media showed that law enforcement had aimed guns at hell and kneeling people. Witnesses said that veterans, journalists and water protectors were all arrested.
Ruth Hopkins wrote: “People are armed with guns and are unarmed, singing and praying in front of the police.” He has been organizing the #NODAPL environmental and spiritual movement for “India Today”.
On Wednesday afternoon, a person photographed from the front lines of a police raid, taken from a Facebook public account named Eric Poemz, was captured by law enforcement officers.
Before his arrest, Eric Poemz was filming police officers because they were stuck in the road. Facing the army of officers, Poemz told them that he was unarmed, and repeatedly tried to persuade them to join his cause. He pointed out that they had no identification card. “According to the law, you should be put on a badge, and none of you do it.”
Later, an official caught his attention in particular. Eric Poemz said to the officer: “You are an honorable man. I know you have work to do and family support. But why protect oil? Sir, all we have to do is protect water. .I know you are looking at me, you just shook your head, yes, because I know you have a heart and you have a soul.
Poemz added: “Why not honor now, now you have to put down your badge in front of 6,100 people,” he cited the number of people who watched his live broadcast.
However, as people suddenly saw the running, any sensory connection he found between him and the officer disappeared, and the phone seemed to fall roughly on the ground. Suddenly, the narrator of the video screamed in pain and told the police officer above him that he had a broken hip.
The police agreed to call an ambulance for him, but wanted to condemn Poemz for being there. When referring to the federal expulsion deadline, a police officer said: “You have a deadline, but you violated the deadline.”
Then, another policeman sounded as if he was taking a picture of Poemz and asked his companion to take a photo with him. I heard a voice saying: “I want to take a picture of you two. Do you want to lie down and feel comfortable next to him, or should we get him up? He said he had a broken hip.”
The officer subsequently promised to help him, but it was not without lectures, which once again demonstrated the ideological gap between the protesters and law enforcement. An officer said: “Listen, if you quit the game, we won’t hurt you, just reduce your stupidity.”
“If this is the case, you will receive medical attention, then you will be respected, so why not start treating us with respect? You have been disrespecting the entire field, always disrespecting yourself, six of us Months.
Rob Keller, a spokesperson for the Sheriff of Morton County, told ConsumerAffairs on the phone that he did not know why the officer would pose for a photo next to the injured person who was arrested, but he would not comment on the details of the video because he said He hasn’t checked it yet.
Morton County spokesperson Maxine Kerr provided the following explanation in an email: “It is difficult to convince who to lie down and stay comfortable. LE (law enforcement) usually tries to make injured arrestees comfortable until the ambulance arrives. If large-scale arrests are helpful to record arrests, LE sometimes takes photos with the arrested. However, the photo like yesterday was not taken yesterday because there were not many arrests and LE clearly knew who was arresting.
It is not clear whether these officers are from Morton County or other local agencies. Officers from other cities and neighboring states also participated in the raid.
Since anyone who remains in the Oceti Sakowin camp is likely to be arrested, mainstream news coverage of the raid seems to be very few. A small non-profit news website called Unicorn Riot is broadcasting the attack in real time. However, local reporters say that most mainstream news networks remain in a separate staging area approved by law enforcement agencies.
Dennis Ward, a reporter for the Canadian Aboriginal News Network, said: “Their microwave ovens are not tents (the trucks for radio and television news).” “By the time people actually did nothing yesterday, all those microwave trucks All disappeared.”
Ward said that his own network also has media credentials, which will allow him and his colleagues to report from the protected staging area. Instead, they chose to report from the camp and slept on the news truck for eight days.
At the Prairie Knights Casino of the Sioux standing on a standing stone, people have been crowding in the lobby for months to protect against the cold. This has become another unlikely battlefield between protesters, the media and the police. On Wednesday night, eight days after reporting from the Oceti Sakowin camp, Ward said that he and his staff had booked a hotel room at the casino. Ward said that when they were enjoying a warm dinner, a group of law enforcement officers suddenly approached the table beside them and escorted them outside to arrest them.
Ward said: “It looks like the BIA (Indian Affairs Agency).” The reason for the arrest was that because many agencies flocked to it, it was “difficult to tell who is here.” Ward said, who was the diners next to him. The reason for the arrest is unclear. The Bureau of Indian Affairs announced earlier this month that it was sending agents to expel protesters from the camp, but it has not yet returned news from ConsumerAffairs.
In another standoff in the casino lobby on Wednesday, they were arrested and posted on Facebook. A group of military officers surrounded the two men and accused them of passing things to each other. An officer said: “We received a security and surveillance call saying that we saw you bypassing something.” The officer ordered one of the people who claimed to be a veteran to turn around in order to arrest him. The veterinarian raised his arm, but had not turned around yet, when the police suddenly shot him with a Taser gun.
Federal authorities and local police have promised to return to Osseti Sakovin camp Thursday morning to complete the so-called cleanup. In the afternoon, water conservation officers safely viewed the camp on the other side of the Cannonball River from the reservation. They reported that the authorities had entered Oceti Sakowin and arrested more protesters who were still in passive resistance.
“They have entered the camp. Sound cannons, weapons, helicopters, snipers, fully armed (LIVE ROUNDS),” one post said. “Many arrests are happening. I will do my best to stay and suppress for the people.” The Seattle Times reported on Thursday that 39 detainees were arrested.
The Southwestern United States as we know it today would not have existed without the Colorado River. The river spans 1,450 miles across the area, irrigates farmland, provides hydroelectric power generation, provides drinking water for millions of people, and is a source of recreation and beauty in recreation areas and parks approved by the federal government along the way.
The author of a two-year-old report said: “We cannot live in the southwest region with large deserts, and there is no central region where a large river crosses the river.” Economic activity worth 1 trillion yuan.
In short, if government agencies want to maintain the Southwest economy, they must act quickly. The latest research from the University of Arizona and Colorado State University shows that rising temperatures have reduced the amount of water in the Colorado River.
Researchers found that in the 21st century (from 2000 to 2014), river flow only reached 81% of the 20th century average. They attribute the change in flow to warming temperatures and say this is the first study of its kind to track a direct link between global warming and the decrease in the flow of the Colorado River.
Co-author Bradly Udall told Science Daily: “The future of the Colorado River is far less optimistic than other recent assessments portrayed. The clear message for water managers is that they need to plan to significantly reduce river flow. .”
Not that previous assessments of the Colorado River were actually optimistic. Since 2000, a prolonged drought has reduced the water in the area. Government officials and researchers warned that, as a result, agriculture will need to significantly reduce its water consumption in the next few years. The Bureau of Reclamation predicts this month that by 2018, there is a 34% chance that the river will not meet the needs of all states.
However, according to the latest research by researchers in Colorado and Arizona, drought accounts for only two-thirds of the river decline. They said that the remaining third of the loss was actually caused by climate change.
According to their research, the increase in temperature causes the evaporation of water in the waterways of the basin. These findings mean that even if the drought is over, it may not be possible to restore the river to its previous level. Udal explained in another interview: “We can’t say with certainty that precipitation will increase and it can save us.”
However, even if farmers, the real estate industry and consumers are expected to cut costs, conservationists still worry that other industries may want to build new infrastructure along the coast of the Colorado River and get its share. The Bureau of Land Management’s resource management plan currently allows oil and gas drilling in the Colorado Basin.
Last fall, the Center for Biodiversity threatened to sue BLM if the agency does not promise to block all new oil and gas development in the upper reaches of the river. Wendy Park, an attorney at the Biodiversity Research Center, told ConsumerAffairs that part of the worry is that hydraulic fracturing or drilling in the basin will require the company to “use a lot of water.” The water she is worried about is likely to come from the Colorado River.
But there have been some promising developments. Since being threatened by lawsuits, BLM agreed to conduct a new assessment of the impact of the region’s industries, called the Plan Biology Opinion, which Park expects to be conducted in the spring.
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A new survey commissioned by CareerBuilder found that most women over the age of 25 are delaying starting a family in order to focus on their careers.
83% of women choose to make their career mainstream while postponing family planning. Said that the number of men receiving the same survey is slightly smaller (79%).
Want to make money and save enough money to support the family is the number one reason for postponing family planning for men and women. However, although men and women may be equally content to focus on their own occupations, the two genders have little similarity in the field of professional expectations.
The study found that, whether it is expected annual salary or job title, men and women have very different ideas about the benefits they expect from their careers.
Rosemary Haefner, Chief Human Resources Officer of CareerBuilder, said: “Today’s workforce is growing, and men and women are waiting for their children until they reach their professional and financial goals.”
Hefner said: “Despite similar reasons for postponing family planning, men and women have very different positions in expected income and careers.”
The gender difference in career expectations is obvious, because 44% of men expect to achieve a six-figure salary, while only 20% of women. More than one-third of women (34%) believe that their organization’s pay is unequal.
In addition to higher salaries, men are also more likely to expect higher levels of work in their careers. 22% of women expect to maintain or reach the entry level, while only 10% of men have low expectations.
The number of men expected to become company owners has more than doubled (9% compared to 4% for women). The desire to become a vice president also reflects similar differences, with 5% of men expected to reach the level of vice president, while only 2% of women.
Other findings of the study indicate that 63% of women planning to have a family have to wait until they are at least 30 years old to start a family. 15% of women (twice as many as men) said they waited until they were at least 35 to start a family.
Eating healthy and losing weight are difficult tasks for anyone, but a new study shows that when you choose to go to bed and get up, you can cause serious illness.
JC Penney today announced its first annual profit since 2010, but then announced that it would close about 130 stores and two distribution centers.
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Volkswagen has paid billions of dollars in fines, fines and buyback costs related to its “dirty diesel” scandal. But this didn’t help much for Volkswagen engineer Oliver Schmidt, who was the head of the automaker’s emission compliance department.
Schmidt, 48, has been sentenced to 11 felony counts in Detroit, and a federal judge refused to release him on bail on Thursday, saying he is at great risk of flying. Schmidt tried to fly to Germany after a family vacation on January 7 and was arrested at Miami International Airport. If convicted, he will face up to 169 years in prison.
Other senior executives of Volkswagen have been warned to stay in Germany, at least for now, they can be safely protected from arrest and extradition, because Germany rarely extradites its citizens abroad.
According to Automotive News, Schmidt is said to be the author of a curse memo written in April 2014, when researchers at West Virginia University discovered that Volkswagen diesel exceeded federal standards and used software when testing the car Procedures to reduce emissions.
“We should first decide whether we are honest. If we are dishonest, everything will remain the same.” Schmidt reportedly wrote to a colleague.
Schmidt is the second Volkswagen employee to be hit by the scandal. James Liang, a Volkswagen engineer based in California, pleaded guilty to conspiracy to defraud regulators last September. He has been cooperating with investigators and plans to be sentenced in May.
Volkswagen has agreed to pay US$4.3 billion in fines to US agencies and implement a recall and repurchase program, which is expected to make the total cost of the US and Canada exceed US$23 billion.
In the past few years, housing prices have not continued to rise, nor are inventory levels falling to historical lows.
According to the latest report from Zillow Group, mortgage interest rates have risen by half a percentage point or more in the past few months. This fact has attracted more and more attention from potential buyers.
After the U.S. presidential election, mortgage interest rates began to rise because the dollar’s ​​strength increased the yield of 30-year U.S. Treasury bonds, which is a key indicator of mortgage interest rates. Since then, the Fed has raised the federal funds rate once, but strongly hinted that there will be more rate hikes this year.
So, 53% of potential buyers told Zillow survey recipients that rising mortgage interest rates are the main problem, which is not surprising.
The Mortgage Bankers Association (MBA) reported that as interest rates continue to rise, the number of consumers who took mortgage loans last week fell by 2% from the previous week. But compared with recent times, interest rates are still very low.
The MBA report shows that the average interest rate on 30-year fixed-rate mortgages rose slightly to 4.36% last week. This is nearly a point higher than the record low, but still far below the 6% during the housing bubble.
Concerns about inventory levels (number of houses available for sale) remain the biggest headache for buyers. This choice seems to get smaller every month. The National Association of Realtors (NAR) reported that inventory levels across the country in January fell by more than 7% from January 2016.
NAR chief economist Lawrence Yun (Lawrence Yun) said that the lack of inventory is putting upward pressure on housing prices, coupled with rising housing prices, making more potential buyers unable to afford housing.
In fact, Zillow’s survey of home buyers found that 65% of people feel anxious due to lack of choice. In the hot housing market and entry-level price range, options are particularly limited.
Erin Lantz, Vice President of Mortgage at Zillow, said: “For many years, lowering interest rates has been a boon to the U.S. housing market. Even if the price of first home purchases rises, the monthly mortgage payments for first-time home buyers and home buyers remain unchanged. Lower level.” Group. “As interest rates rise this year, first-time homebuyers and those looking to buy in an expensive market where affordability has become an issue will feel pressure to increase budgets.”
But this may not slow down home sales, at least for the foreseeable future. Zillow’s survey shows that home buyers are still searching, and if house prices continue to rise, they will look for cheaper houses.
Scammers are increasingly using your computer to deceive you. The latest trick is to convince you that your computer has a technical problem.
New car sales in February tend to be mixed. This is the shortest month of the year, so the number of days to sell cars has decreased.
But it has a President’s Day weekend, which may be the biggest holiday related to car and truck sales. This month, industry analysts expect sales to fall from February last year.
Kelley Blue Book predicts that new car sales in February will fall 3% year-on-year to 1.3 million vehicles. According to the seasonally adjusted annual rate (SAAR), by the end of December, it is estimated to reach 17.1 million vehicles.
Tim Fleming, an analyst at Kelley Blue Book, said: “Despite the increase in stimulus, consumer demand remains relatively stable, and manufacturers’ retail growth will be difficult to achieve in February.
But despite the expected decline in sales, Fleming said that 17 million vehicles will be a healthy total annual sales.
The automotive website Edmunds.com expects a slight improvement in February, and SAAR sales are estimated at $17.6 million. It is expected to drop only 1% compared to February last year and rise 17% compared to last month.
Jessica Caldwell, Executive Director of Edmunds Industry Analysis, said: “The holiday weekend may have been a factor in February’s strong sales, but we are also seeing signs that automakers are starting to take their cars out of the market more aggressively. .”. “Fleet sales were strong in February and incentives continued to rise. Although trucks and SUVs do not need much help to find interested buyers, the inventory of passenger vehicles is increasing.”
This is good for consumers when dealers and manufacturers have to provide more motivation to drive vehicles. However, if you avoid selling the best-selling “hot” cars and focus more on the lagging cars, you will get the best price. These are the models where you can negotiate the best deal.
Edmunds predicted in February that General Motors’ sales will increase over last year, so it may not have to complain about such attractive incentives.
But Fiat Chrysler and Hyundai/Kia may offer some attractive deals because their sales are down the most from last year. However, Edmunds predicts that sales of all automakers will increase from January.
The U.S. Department of Commerce reported that last month’s sales increased by 3.7%, with a seasonally adjusted annual growth rate of 555,000, and December’s sales of 535,000, compared with the initial figure of 536,000.
The median price of a home sold last month was US$312,900, an increase of US$21,800 from January 2016, but a decrease of US$3,300 from December. The median is the point where half of the houses sell for higher prices and the other half sell for lower.
The average selling price was US$360,900, a year-on-year loss of US$4,700, and a decrease of US$18,000 from November.
As of the end of January, the total number of new homes for sale was 265,000, which is equivalent to 5.7 months of supply based on current sales rates.
The Australian Elk Toy Company has recalled approximately 444,000 Little Live Pets Lil Frog and Lil Frog Lily Pad toys sold in the United States and Canada.
When the button battery is removed from the toy frog, the battery cover may become a projectile, and the chemical substance of the battery may leak, posing a chemical substance and a risk of injury.
The company has received 17 reports of battery cover becoming projectiles or battery chemical leakage. Two of the injuries resulted in emergency room and doctor visits to prevent battery chemical irritation to the eyes.
The recall involves Little Live Pets Lil Frog plastic toys. They work with four button batteries and jump.
Little Live Pets Lil Frog’s SKU: 28217, Lil Frog’s Lily Pad’s SKU: 28218 is printed on the lower abdomen near the left thigh of the frog, and its manufacturing date code is as follows. The date code range is WS112016 to WS123216.
These toys made in China were sold on Amazon.com in AAFES, Target, Toys “R” Us and Wal-Mart stores and online stores nationwide from August 2016 to February 2017. Lil Frog is about $15 and Lil Frog is about 25. Dollar. lily pad.
Consumers should stop using toy frogs immediately, do not open the battery box, and contact Moose Toys to replace Little Live Pet products for free.
Consumers can contact Moose Toys online at 844-575-0340 (free of charge) from Monday to Friday from 8 am to 5 pm (PT) or through www.moosetoys.com, and click “Product Safety” to obtain More information.
Fratelli Beretta USA of Olive Hill, New Jersey, recalled approximately 468 pounds of mortadella products.
The following items were produced on November 30, 2016 with the bearing number “EST. The 7543B in the USDA inspection mark is recalled”:
The product is shipped to distributors in Pennsylvania, and then further distributed to retail and retail in Arizona, California, Florida, Michigan, Nevada, New Jersey, Oklahoma, Pennsylvania, and Texas. Distribution center.
Customers who purchased the recalled product should not consume the product, but should discard it or return it to the place of purchase.
Calphalon of Atlanta, Georgia, recalled approximately 2 million modern tableware knives sold in the United States and Canada.
The company has received 27 reports of finger or hand lacerations, including injuries requiring sutures in four places. In addition, the company has received approximately 3,150 reports of knife breaking.
The recall involves Calphalon contemporary tableware carvings, chefs, peelers, Sudoku and utility knives sold separately between August 2008 and March 2016.
3½” peeler, 5″ boning knife, 5″ santoku, 5½” tomato/bagel knife, 6″ fork, 6″ utility, 7″ santoku, 8″ bread, 8″ chef’s knife, 8″ slice Machine, 10″ steel, kitchen scissors, 8 steak knives and knife holder
4½ inch peeler, 6 inch utility, 7 inch santoku, 8 inch bread, 8 inch chef’s knife, 8 inch slicer, 10 inch steel, kitchen scissors, 8 steak knives and knife holder
4.5 “peeler, 6″ utility, 8 “bread, 8″ chef’s knife, 8 steak knife, kitchen scissors, knife sharpener
4.5″ peeler, 6″ utility, 7″ Santoku, 8″ bread, 8″ chef’s knife, 8 steak knife, kitchen scissors, sharpening block
4.5 “peeler, 5″ deboning, 5.5 “tomato, 6″ utility, 7″ Santoku, 8″ bread, 8″ chef’s knife, 8″ slicer, 8 steak knife, kitchen scissors, sharpening block
4.5 “peeler, 5″ deboning, 5 “sandwich, 5.5″ tomato, 6″ fork, 6″ utility, 7 “sandwich, 8″ bread, 8″ chef’s knife, 8″ slicer, 8 steak knife, Kitchen scissors, sharpening block
These knives made in China were sold in JC Penney, Kohl’s, Macy’s and other stores nationwide from September 2008 to December 2016, as well as the online store www.Amazon.com. The price per knife is US$25 and the price of the tool holder is US$300. .
Consumers should immediately stop using the recalled tableware and contact Calphalon to obtain alternative tableware products.
Consumers can contact Calphalon from Monday to Friday from 8 am to 5 pm (Eastern Time), or online www.calphalon.com at 800-809-7267, and then click “Customers” at the bottom of the page Support” and then click “Recall” for more information. .
Pain is a common disease for many consumers, but a new study shows that certain types of pain may actually put us in an early stage.
A group of state attorneys asked Education Secretary Betsy DeVos and congressional leaders not to announce “open season” to students.
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There are already many fake news websites, and now the Federal Trade Commission (FTC) has shut down all fake news radio programs.
With the huge baby boomer population entering the leading position of retirement age, retirement planning has become very important. But this stage of life can take many forms.
Planning to tour the country in an Airstream trailer? Your needs will be different from the new career you plan to retire.
When it comes to retirement, the discussion almost always starts with money. Not going to work every day means that you will not bring back the same salary. Therefore, the first question is how to make up for the difference.
Social security will provide a source of monthly income, but not a large source of income. You may also need other sources of income, such as pensions (which are rare today) or retirement savings accounts.
According to the Department of Labor, less than half of Americans know how much they need to save for retirement, but to be fair, it is difficult to determine this number before deciding how to plan for retirement.
If you plan to downsize and move to a low cost of living area, you can buy a house without a mortgage, then you will need less money per month than if you plan to spend half a year of travel time.
In other words, it is easy to underestimate your needs. The government says that you may need 70% of your pre-retirement income to keep up.
This is why more and more early baby boomer retirees are still working in some form. After successful careers, they have a lot of knowledge and expertise. Usually, their former employers desire part-time jobs.
Of course, after working in a profession you really don’t like or working for 40 years or more, even if you are part-time, the prospect of continuing to work does not seem so attractive. However, many retirees took this opportunity to try some new attempts. The website NewRetirement.com offers some suggestions on finding suitable suggestions.
The good news is that people who are about to retire today are more optimistic than after the Great Depression. A new study by T. Rowe Price shows that 47% of baby boomers and Gen Xs believe that their ideal retirement is “very likely”, which shows that they have either seriously considered it, bowed down, or did not know what was involved. what.
The research objects are mainly investors, showing that they have been accumulating wealth. When visualizing retirement age, most people see it as a “time to relax.” Only 38% plan to “reshape themselves.”
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In the best case, saving money can be a challenge. There always seems to be an urgent need to spend money to rain.
This task is even more difficult when you are burdened with high-interest credit card debt. These monthly payments will consume potential savings.
Personal finance website Bankrate.com conducted a survey of consumers and found that only 52% of people have more emergency savings than credit card debt. This is about the same as last year.
However, 24% of consumers said that their total credit card debt exceeded the amount they set aside for savings, up from 22% last year. Approximately 17% of consumers said they have no credit card debt, which is encouraging, but they also admit that they do not have any deposits.
Bankrate.com chief financial analyst Greg McBride said: “Too many Americans have not adjusted the size of their savings relative to debt, even if those who have made progress still find their savings. Not enough.”
The older you are, the more likely you are to save instead of credit card debt. However, adult millennials during the financial crisis are more likely to receive large amounts of emergency savings than their younger peers.
The author of the report expressed shock at another discovery. Seniors aged 72 and over are more likely to have no emergency savings than no one, even if they have no credit card debt. According to the author, this shows that many elderly people live on a fixed income and there is no room for monthly cash flow.
As you might expect, the higher a consumer’s income, the more likely he or she will have a lot of savings and little credit card debt. As income levels fell, the balance between savings and debt began to change.
Households with the lowest incomes are most likely to have no credit card debt or emergency savings.
Credit card debt is the most toxic because its interest rate is usually double digits. This is also very dangerous because it is easy to accumulate large balances carried over each month.
If the consumer only pays the minimum amount each month, then he or she has made little progress in repaying the debt. In order to effectively reduce the credit card balance, please check the monthly bill to understand the monthly financial expenses. Pay that amount, plus as much principal as possible.
The Federal Housing Finance Agency (FHFA) reports its home price index (HPI), which is based on sales to Fannie Mae and Freddie Mac or guaranteed by Freddie Mac Calculated by the information on the sales price of collateral housing, it rose 1.5% from the third quarter and soared 6.2% from the three months of the same period last year.
FHFA deputy chief economist Andrew Leventis said: “Although interest rates have risen sharply in the fourth quarter, our data shows that house prices are showing no signs of slowing down.” “Although it will take more time to feel To the full impact of the interest rate hike, there is no evidence that the inventory of available-for-sale houses is abnormally low, which is the main force behind the abnormal price increase.”
The Department of Labor (DOL) reported that in the week ending February 18, initial jobless claims increased by 6,000, to 244,000 after adjusting for seasonal factors. The level of the previous week was lowered by 1,000 to 238,000.
The four-week moving average is less volatile and is considered a more accurate measure of the labor market, reaching 241,000, a decrease of 4,000 from the previous week.
The National Association of Realtors (NAR) reports that sales of existing homes-completed transactions including single-family homes, townhouses, condominiums and cooperatives-increased by 3.3% last month, a seasonally adjusted annual rate It is 5.69 million.
Lawrence Yun, chief economist at NAR, said: “Sale activity in most regions last month was strong, because strong recruitment and increased consumer confidence at the end of last year seemed to stimulate interest in buying homes.” “Market challenges still exist, but As home buyers reduced inventory levels that were far from adequate and deteriorating affordability, the real estate market began to prosper.”
The median price of all types of existing houses in January was $228,900, an increase of 7.1% over the same period last year. This increase is the largest increase since January 2016 and is the 59th consecutive month of year-on-year growth. The median is the point where the price of half a house rises by more than half.
The total housing inventory at the end of the month increased by 2.4% to 1.69 million existing houses for sale. However, this is still down 7.1% from a year ago, and it has been down for 20 consecutive months. At the current sales rate, the unsold inventory is 3.6 months.
Yun predicts that competition will intensify in the spring for buyers looking for homes in the low-end and mid-end price ranges.
“New research being conducted by NAR and realtor.com-the affordability distribution curve and scores of realtors-shows that the combination of higher house prices and prices resulted in more than half of all households in all states being able to afford all markets last month. Their income.” He said.
According to the Air Travel Consumer Report of the US Department of Transportation (DOT), carriers cancelled only 1.17% of their scheduled domestic flights last year, compared with 1.5% in 2015, the lowest comparable figure in 22 years.
The previous lowest point was 1.24% in 2002. In December last year, airlines cancelled 1.6% of their scheduled domestic flights, compared with 1.7% a year ago, but an increase from 0.3% the previous month.
In addition, the carrier’s luggage handling error rate last year was 2.70 euros per thousand passengers, compared with 3.13 times in 2015. This is the lowest annual growth rate since DOT began collecting data on mishandling reports in September 1987. The previous lowest value was 3.09 in 2012.
On a monthly basis, in December, the baggage handling error rate per thousand passengers was reported at 3.58, which was lower than 3.97 in December 2015 but higher than 2.02 in November 2016.
The 2016 surge rate was 0.62 per 10,000 passengers, higher than the 0.73 announced in 2015, which is the lowest annual growth rate since historical data dating back to 1995. The previous lowest value was 0.72 in 2002.
The report also includes on-time performance, tarmac delays, long-term flight delays, and reasons for delayed data.
In addition, there are a series of air service complaints, including flight problems, baggage, reservations and ticketing, refunds, customer service, disability and discrimination.
Michelin North America recalled 247 pieces of Michelin X Works XZY tires with a size of 315/80R22.5 156/150K, which were produced from January 1, 2011 to July 31, 2015.
The tire lacks the necessary DOT symbol and load range letter mark, therefore, it does not meet the requirements of US Regulation 30112 and Federal Motor Vehicle Safety Standard (FMVSS) No. 119 “New pneumatic tires for motor vehicles with GVWR”, exceeding 4,536 kg (10,000 pounds) ) And motorcycles. ”
Michelin will notify car owners and will correct the tires by permanently applying the required markings or replace similar tires for free. The recall began on February 13, 2017.
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A new study from Bridgeport Hospital in Connecticut shows that a recently released app called Carmaforlife can effectively improve survival from a heart attack.
The app has educational content designed to help practitioners guide the Blue Code team through recovery. The idea behind Carmaforlife is to let healthcare professionals understand the “Advanced Cardiac Life Support” protocol developed by the American Heart Association.
This new study found that Carmaforlife helped increase the survival rate of cardiac arrest from 57% to 78%, an increase of 21%. In addition, the number of patients who can go home after a heart attack has increased by 64%.
ACLS Solutions, the founder of the company behind the app, detailed the impressive results of this research at the recent Joseph A. Zacanino conference at Yale University’s New Haven Health System.
Gloria Bindelglass said: “All residents, intensive care doctors and nurses are beginning to rely on this application. They know that in the most difficult and stressful situations, the conditions they face make them better practitioners, and They saw immediate results.” CEO and founder of ACLS Solutions.
Carmaforlife (also known as the “mobile app for resuscitation from cardiac arrest”) is designed to assist doctors in situations where precise timing is critical through a series of countdown timers. The different plans for each different type of cardiac arrest are listed in detail and interact with the timer to guide the doctor.
The sound metronome in the app and practice session has a simulation code simulation function, which can help practitioners adjust the speed of chest compressions perfectly.
As the code progresses, the application will record all ongoing operations in real time. This feature not only eliminates the need for manual recording, thereby saving doctors’ time, it also improves the accuracy of medical records and allows the team to perform more detailed checks on performance.
Finally, the application can help the team leader determine the possible cause of a heart attack, thereby helping to speed up and improve the patient’s recovery. ACLS Solutions suggests that the application can be used not only in hospitals, but also in a pre-hospital environment by medical staff and even military officers on the spot.
As early as August, we reported that Google declared its claims in the ride-sharing business. The company used its Waze navigation app to start testing “Am I going to go?”. This concept allows the driver to keep in touch with travelers in the same direction.
Initially, testing was limited to Israel and the San Francisco Bay area, but the Wall Street Journal reported that positive results prompted Google to expand the program. Waze CEO Noam Bardin announced that the company will test the service in multiple cities in the United States and Latin America in the coming months.
This expansion may cause Google to conflict with other popular ride-sharing services such as Lyft and Uber. However, Waze’s services differ in several key ways.
First, users must order Waze rides hours in advance, and there is no guarantee that drivers will accept them. This is because the service requires drivers who use a navigation application to pick up travelers traveling in the same direction. On the other hand, Uber and Lyft operate more on-demand services that users rely on to take them to wherever they want to be in a short time.
Therefore, as many Uber and Lyft drivers do now, drivers are likely not to use Waze as their main source of income. Drivers only pay drivers 54 cents per mile (according to the IRS, this is the reimbursement rate for business trips), and Waze will not cut these revenues at this time. However, if the service is successful, the situation may change.
The main attraction for riders is the price difference. The fare for Waze service users from downtown Oakland to downtown San Francisco is only US$4.50, while the cheapest fares for Uber and Lyft are US$10.57 and US$12.40, respectively. However, most of the success of this service will depend on the cooperation of the driver.
“Can we let ordinary people go to work and pick them up occasionally? This is the biggest challenge,” Budding said.
Google bought Waze for $1 billion in 2013, but it has been focusing on the autonomous driving market for some time. In the same year, it invested $258 million in Uber and appointed one of its executives to the company’s board of directors.
Over time, the two companies parted ways due to competition, but the emergence of the Waze Carpool service could make things go faster. As of now, Google does enjoy some advantages because it does not have to overcome some of the regulatory obstacles that other ride-sharing services have to deal with. Bardin also pointed out that it is possible in the future to integrate autonomous driving technology into services.
“If we were a startup, we would not be able to withstand these long-term bets. With Google, we can do it… Maybe in the end, it’s not a robot that will pick you up, but a robot that will pick you up,” he quipped .
Eating fish can be part of a healthy diet. However, a balancing issue is the amount of mercury that consumers may consume with fish. This is an unknown.
A few years ago, thousands of calls were flooded to promote cruise routes in Florida. These calls claim to be part of the courtesy.
If someone tells you that you won $1 million and all you have to do is pay a “handling fee” of $25, you would be suspicious, right? Unfortunately, not everyone is as cautious as you. Many consumers, especially the elderly, like this feature.
Of course, there is no $1 million bonus. Therefore, the victim loses up to $25. In the worst case, fraudsters may raided their bank or credit card accounts.
One such person from Ian Gamberg agreed to resolve the Federal Trade Commission’s allegations, saying that he served the direct mailing program and made people think they had received a reward.
The settlement agreement resolved the allegations against Gamberg. Gamberg printed and mailed promotional information and edited the language and layout of the mail and envelope with the other defendants. Promotions are mailed in the name of Paulson Independent Distributor, International Purchasing Center, Phelps Ingram Distributor and Keller Sloan & Associates.
The order imposed a judgment of $800,000, but based on its financial situation, Gamberg was only allowed to pay $1,400. If it is found that his statement is not true, a full judgment will be made immediately.
The lawsuit against the remaining defendants in the plan, Millenium Direct Incorporated and its principal David Raff, continues.
The case was raised in response to an international initiative to combat mass mail fraud, which included actions taken by law enforcement agencies from Belgium, Canada, the Netherlands and the United Kingdom.
Remember that TV is a TV and the Internet is a network? As mobile devices are increasingly used in entertainment media, the line between the two continues to blur.
There is now a report that may be further integrated, because Bloomberg News reported that Major League Baseball (MLB) is in talks with Facebook, hoping to broadcast a game on social media platforms every week this season.
Bloomberg quoted a person close to the discussion as saying that he apparently had conversations with many other news media, which were also reporting the story. This shows that before the talks, one or both parties were floating a test balloon.
Last April, Twitter and the National Football League (NFL) announced an agreement under which Twitter will broadcast Thursday night football matches during the 2016 season. These games are usually played by the NFL Network via cable TV and broadcast on the TV stations of the two teams’ home markets.
According to reports, Twitter paid $10 million for this. Earlier this month, The Wall Street Journal reported that these games did not increase the number of Twitter users the company hopes.
After the recent discovery of video content, social media platforms are eager for more content. At the same time, sports content producers are hungry for eyeballs. They are increasingly unable to connect them via cables.
The slow decline in ESPN subscribers has always been the source of the parent company Disney’s pain, because young viewers increasingly rely on smartphones for almost all entertainment and information.
Neither Facebook nor MLB commented on Bloomberg’s report. Such transactions must probably be approved by most owners.
Although baseball’s popularity in the United States has declined in recent decades, last year’s World Series between the Cubs and the Indians seemed to attract the public’s imagination and renewed interest. Although Facebook may be interested at a reasonably low price, baseball owners may be attracted by Facebook’s international influence-it has more users outside the United States than inside its borders.
Can Facebook follow other sports programs? CEO Mark Zuckerburg has recently shown more interest in sports figures. This week, in Tuscaloosa, he met with Alabama’s chief football coach Nick Saban to discuss leadership skills.
One way to measure the financial health of consumers is how they handle debt. After the report showed an increase in credit card default rates.
Even if the woodchuck saw him at the beginning of this month, spring is not so far away. With it, mosquitoes and Zika virus threaten to recur.
In the winter, medical researchers have been busy developing antiviral vaccines and have reported significant progress.
Dr. Dan H. Barouch of Beth Israel Deaconess Medical Center (BIDMC) said: “The pace of preclinical and early clinical development of the Zika vaccine is unprecedented.”
Barouch is the corresponding author of a review article in the “Immunization” magazine, detailing the research progress of the Zika vaccine. He said that in a short period of time, researchers have shown that various vaccine platforms can provide effective protection against Zika virus attacks in animal tests.
Barouch said: “However, the clinical development of the Zika vaccine will require unique challenges.”
Today, just two years after the first Zika virus outbreak in Brazil, researchers are focusing on three different vaccine candidates. They say that these vaccine candidates are effective in both mice and rhesus monkeys in a laboratory environment. Has an effective protective effect. Several human trials were conducted in multiple locations in the United States last fall
Barouch said: “The rapid development of Zika vaccine candidates in clinical trials reflects the dedicated and effective collaboration of scientists in this field to solve this important global problem.”
Although the symptoms of Zika virus are not serious and people usually recover after a few weeks, the virus can have devastating effects after infecting pregnant women.
The World Health Organization (WHO) warns that Zika virus infection during pregnancy is the cause of congenital brain malformations, including microcephaly, which is a congenital malformation where the brain cannot fully develop. Zika virus can also cause Guillain-Barré syndrome.
Even with the progress made in the past year, Barush said that many things about the Zika virus are still unknown, which will slow the development of vaccines.
He said safety considerations are a key issue because the target population of any vaccine will include women who are pregnant or may become pregnant.
Thanks to the highest rating of anti-collision protection, first-class front anti-collision system and well-rated headlights, the redesigned Subaru Impreza can walk.
According to the Mortgage Bankers Association (Mortgage Bankers Association), in the week ending February 17, mortgage applications fell for the second time in a row, down 2% from a week ago.
The refinancing index fell by 1% from the previous week, and the share of refinancing of mortgage activities fell by 0.7% to 46.2% of total applications, the lowest level since November 2008.
The share of variable rate mortgage (ARM) activities in total applications fell to 7.3%, the share of FHA was 11.6%, the share of VA rose from 11.8% the previous week to 12.1%, and the share of USDA was 0.9%.
The American Yamaha Corporation of Buena Park, California, recalled about 900 benches sold with Yamaha grand pianos.
The paint on the interior compartment of the bench contains too much lead, which violates the federal lead paint standard.
The recall involves a 3I PM/PAW piano workbench sold by Yamaha Grand Piano GB1K PM/PAW.
The recalled benches are brown wood with brown leather seats and a compartment under the seats. Its production date code is between 08 07 and 16 08 (year and month are “YY MM”). The model number, manufacturing date code and “Yamaha Corporation” are printed on the white label in the internal compartment.
Consumers can also find a list of piano serial numbers sold with the recalled bench at http://4wrd.it/benchrecall.
From January 2009 to November 2016, these benches were manufactured in Indonesia and sold together with grand pianos in piano shops across the country for approximately US$15,000.
Consumers should immediately remove the recalled piano bench from the place with children, and contact Yamaha, USA for instructions on returning the piano for free replacement.
Consumers can contact Yamaha toll-free at 844-703-5446 from 8:30 am to 4:30 pm (PT) from Monday to Friday. The email address is Benchrecall@yamaha.com and the website is www. usa.yamaha. com, then click “support” or http://4wrd.it/benchrecall for more information.
Biery Cheese Company is recalling special longhorn colby cheese that may be contaminated with Listeria.
The following products were recalled, packaged at Biery Cheese Company in Louisville, Ohio, and distributed at distribution centers in Georgia, Indiana, and Pennsylvania from November 11, 2016 to January 4, 2017:
Customers who purchased the recalled products should not consume them, but should return them to the place of purchase for a full refund.
Consumers who have questions can contact Biery Cheese at 1-800-243-3731 from Monday to Friday from 8:00 am to 4:30 pm (Eastern Standard Time).
Deutsch Kase Haus of Middlebury, Indiana, USA, provided MDS Foods with cheese that was found to be contaminated with the pathogenic Listeria monocytogenes.
Recall the following items from the same production line as the products listed above:
Customers who purchased the recalled products should not consume them, but should return them to the place of purchase for a full refund.
Consumers in doubt can contact MDS Food Customer Service at (330) 879-9780 Monday to Friday, 8:00 am to 5:00 pm (Eastern Standard Time).
Initially, people worried that excessive use of wireless devices would cause brain cancer rashes. Instead, they were accused of car theft.
When the company needs to allocate salary increases and promotions, the tension between employees can be high. Usually, those who fail in the end feel frivolous, but does the fact that their income is lower than their colleagues have anything to do with their looks?
Researchers from the London School of Economics and the University of Massachusetts believe this may be a factor. After conducting a study, they stated that being physically attractive gives consumers an advantage in attracting more income.
However, they say that beauty is not the key aspect that can really bring more revenue. Facts have proved that the personality traits and self-confidence conferred by looks are more important.
“Physically speaking, more attractive workers may earn more, not necessarily because they are more beautiful, but because they are healthier, smarter, and have better personality traits that contribute to higher For example, more conscientious, more outgoing, and less neurotic.” Researcher Satoshi Kanazawa explained.
The idea that more attractive workers pay more is not necessarily a new idea. Researchers say that past studies have tried to address “beauty fees” and “ugly punishments.”
In the current study, the researchers evaluated the concept by analyzing a representative sample of American workers across the country. It assesses workers based on their physical attractiveness at four different stages of life in 13 years. The survey results are organized using a five-point scale.
Analysis shows that workers are not necessarily discriminated against because of their appearance. Instead, the researchers found that aspects such as health, intelligence, and major personality factors are related to physical attractiveness.
The researchers said: “It seems that more beautiful workers earn more, not because they are beautiful, but because they are healthier, smarter, and have better (more responsible and extroverted personality, but less neurotic )character.”
Ironically, researchers have even found that in some cases, this approach is more attractive than colleagues.
After analyzing the findings, Kanazawa and lead researcher Mary Still (Mary Still) found that respondents who were rated as “very unattractive” on the scale generally benefited more than those who were not attractive. high. In some cases, these workers can even challenge those who have a high reputation for beauty.
The researcher said: “Very unattractive respondents always have a much higher income than unattractive respondents, and sometimes even more than seemingly average or attractive respondents.”
After a rigorous testing and evaluation process, the editors of Kelly Blue Book (KBB) named it the 12 best family cars of 2017.
A woman in Los Angeles County said that Sprint deceived her and at least 99 other California consumers who falsely promised to lower prices and prepaid three Visa cs.
We recently reported that Yahoo and Verizon are making progress in completing the acquisition transaction. From multiple Yahoo data breaches to rumors about Verizon’s request for a large discount on the transaction, the agreement faces many disadvantages.
Despite these challenges, the two companies are still in negotiations. Sources close to the situation said last week that Verizon may ask for a $350 million discount and share any legal consequences related to the recent data breach with Yahoo.
According to sources, now, the “Wall Street Journal” reported that the two companies will cut 350 million US dollars from the original 4.83 billion US dollars agreement, and will evenly share the costs associated with violations. Verizon and Yahoo have not officially announced the revised agreement, but it is expected to be implemented in the near future.
Yahoo has already made plans and if the acquisition is successful, it will continue, including changing the name of its remaining business to “Altaba” and reducing the number of positions on its board. A source speculated that the company is also eager to sell shares in Alibaba Group Holdings Ltd. and Yahoo Japan.
For Verizon, this transaction has many positive and negative effects. After successfully acquiring Yahoo’s Internet business, it will be able to expand its mobile media and advertising markets and take advantage of the huge user base connected to the Yahoo platform. However, after the recent data breach affected more than 1 billion Yahoo accounts, company shareholders are cautious about the business.
Although these same shareholders will eventually have to approve the revised acquisition agreement, the two companies hope that the transaction will be completed by mid-April.
The Toy Industry Association announced the best toys and games of the year at the 17th Annual Toy of the Year (TOTY) Awards recently held in New York City.
Sometimes you will hear that the homeowner is “underwater”-which means they owe more houses than they should be worth. But in reality you may also be underwater, which is currently being faced by potential homeowners in parts of northern California.
As disaster officials fear, if the spillway of the Lake Oroville Dam fails, more than 100,000 houses may be flooded.
Janet Ruiz, California representative of the Insurance Information Institute, said: “The potential threat of floods poses a huge threat to the lives and property of these northern California counties and forces tens of thousands of people to evacuate.” The main, tenant and commercial insurance policies do not cover damage caused by floods. A separate flood insurance policy is required.”
Or as California Insurance Commissioner Dave Jones said: “Flood insurance may be everything between you and the damaging financial loss…. I urge homeowners to review their coverage and consider developing flood insurance Policy. Consumers need to understand their risks and be prepared before disaster strikes.”
Federally subsidized flood insurance is available from FEMA’s National Flood Insurance Program (NFIP) and some private insurance companies. It is important to note that the NFIP policy has a 30-day waiting period before the coverage is activated, so you cannot wait until it starts to rain to register.
If additional insurance is required in addition to the basic FEMA NFIP policy, some private insurance companies can also provide additional flood insurance policies. To learn more about flood insurance, visit FloodSmart.gov.
Consumers who have been accustomed to relatively low gasoline prices in the past two and a half years will adjust this spring.
In fact, they are already. According to the AAA fuel gauge survey, the national average price of self-service gasoline was $2.28 per gallon, which was almost unchanged last week. But compared to the price a year ago, it is 57 cents per gallon higher.
The national average price of high-quality gasoline needed for more and more new cars is $2.80 per gallon, which is about 59 cents higher than last year. The average selling price of diesel is $2.51 per gallon, which is about 53 cents higher than last year.
So far, the reason for the price increase is the cost of crude oil. Oil prices are higher than last year, mainly because OPEC has been sending strong signals that it plans to cut production to reduce oil surplus, which has kept oil prices relatively weak since the end of 2014.
However, most of the proposed reductions have not actually happened yet. The increasing confidence of the oil market in rising oil prices has prompted traders to push crude oil prices below $55 per barrel, which is a long way from the high.
In the next few weeks, motorists are likely to start to see pump prices for all fuel grades start to rise. This is because refineries usually reduce operations at the end of winter and early spring for maintenance and start to switch to higher-priced gasoline in summer.
These prices usually rise until the Memorial Day weekend, and then slowly fall throughout the summer. If this year is like last year, consumers may see gasoline prices rise by about 25 cents before they peak.
If one or two refineries have to cut production further, their output will be even higher. Over the weekend, a fire broke out at an oil refinery in Torrance, California. According to the Los Angeles Times, the fire began with an explosion on Saturday morning. GasBuddy analyst Patrick DeHaan said in a tweet that California motorists may increase gasoline prices by 10 to 25 cents.
Currently, the average price of regular gasoline in California is $2.90 per gallon. The premium price is $3.14 per gallon.
California has some of the most expensive gasoline in the country. The cheapest gasoline this week is in South Carolina. The average price of regular gasoline across the state is $2.03 per gallon, and the average price of premium is $2.60.
A few years ago, millennial home buyers were eager to live in this city. They like the idea of ​​walking to cinemas, restaurants and shopping centers.
However, as more and more people start family businesses, the suburbs today look more attractive. Realtor.com reports that many suburban communities have themselves become real estate hotspots, exacerbating housing price increases outside the city’s core areas.
The housing market is only Northeast Colorado/Montebello, a suburb of Denver; Willie/Paul, St. Texas, a suburb of Dallas; the California suburb of Dublin/Duberty, which is the most famous suburban hotspot in the United States .
Jonathan Smoke, chief economist at realtor.com, said: “The suburbs are usually regarded as Meccans of young families who are willing to trade in shorter commuting time and city nightlife in exchange for better schools and larger houses.”
But Yan said that the relationship between suburbs and urban areas is intertwined. In recent years, as urban housing prices have skyrocketed and inventory levels have tightened, affordable suburban housing prices have become more attractive.
Yan said: “Our analysis shows that 50% of buyers plan to buy houses this spring, which shows that they prefer suburban houses.”
But the analysis also shows that the suburbs usually attract buyers because they are close to the urban area and convenient to and from. Yan said that the listed suburbs are outside the city center, and the city center itself is a popular housing market.
The suburbs on the list have also experienced explosive growth recently. In the past seven years, the average growth rate of their households was 18.8%. This does not affect the growth of other suburban and urban communities.
In some Sunbelt metropolises, the growth of suburban households far exceeds the growth of the city. Realtor.com analysis found that the suburbs of Austin, San Antonio, Oklahoma City, Jacksonville and Houston increased by 18% to 27% between 2010 and 2017. In contrast, the urban areas of these metropolises are only 7% to 16%. Nationwide, 33 out of 50 metropolitan areas have suburban population growth that exceeds urban population growth.
Realtor.com said the suburbs on its list are in the top 8% of the country’s most popular real estate postal codes. It said that these houses received 1.6 times the number of views on realtor.com than the typical houses in the study.
A doctor in Flint, Michigan, said he has developed a special screening method that can detect breast cancer in women with dense breast tissue.
He said that his “rapid breast MRI” protocol can detect breast cancer six years earlier than mammography and may save thousands of lives.
The American Cancer Society says on its website: “If you have a lot of fibrous or glandular tissue, but not much fat in your breasts, your breasts will be considered dense.”
It turns out that breast density is very common and not abnormal. However, this may present some challenges for screening with mammograms.
According to the Mayo Clinic, some states have laws that require doctors to inform women when mammograms show that their breasts are dense. The Mayo Clinic said: “However, it is not clear what women should do about this.”
Dr. David A. Strahle, Chairman of Regional Medical Imaging (RMI), believes that rapid breast MRI may be the answer.
MRI is a very effective method for observing what happens inside the human body. The only problem is that it is very expensive. Therefore, only about 2% of women (women considered at high risk of breast cancer) have undergone MRI.
Strahle said his program reduced the time required for breast scans by 70% to just 7 minutes. He said that this will greatly reduce costs.
Although the insurance company does not yet cover rapid breast MRI, Strahle said the out-of-pocket cost of the examination is $395, while the cost of a full diagnostic MRI is $700 or more. Strahle said the scan only needs to be performed every two years, not more frequent mammograms.
Strahle said: “This is a major breakthrough.” “I see that one day we can prevent this disease from killing women.”
The Centers for Disease Control and Prevention (CDC) reports that breast cancer is the most common cancer affecting women in the United States. In 2013 (the most recent year for which relevant data are available), nearly 41,000 American women died of breast cancer.
According to a survey conducted by the Centers for Disease Control and Prevention (CDC), women between the ages of 50 and 74 are screened for breast cancer every two years. Women under 50 should discuss this with their doctor at the beginning of the examination.
In February, builders’ confidence in the new single-family home market declined for the second consecutive month, and the National Association of Home Builders (NAHB)/Wells Fargo Housing Market Index (HMI) fell 2 points to 65 points.
NAHB Chief Economist Robert Dietz said: “This month’s decline is mainly due to the decline in buyer transactions. Builders continue to work hard to reduce costs while coping with supply challenges, such as underdeveloped land. And labor shortages.” “Despite these constraints, the fundamentals of the entire housing market are still strong, and we are expected to see continued growth after solving this problem this year.”
NAHB / Wells Fargo HMI assesses builders’ views on current single-family home sales and sales expectations for the next six months as “good”, “fair” or “bad”. Require builders to rate the flow of potential buyers as “high to very high”, “average” or “low to very low”.
The scores for each component are then used to calculate a seasonally adjusted index, where any number above 50 indicates that more builders believe conditions are better than worse.
All three HMI components fell in February. The component that measures current sales conditions fell by 1 point to 71; the index that reflects sales expectations for the next six months fell by 3 points to 73; the component that measures buyer visits fell by 5 points. To 46.
Judging from the three-month moving average of regional HMI scores, the northeastern region fell by 2 points, the southern region fell by 1 point, the central and western regions rose by 1 point, and the western region remained stable for the third consecutive month.
NAHB Chairman Granger MacDonald said: “Although builders are still optimistic, the numbers we are seeing are returning to normal ranges.” “The regulatory burden remains a major challenge for our industry. NAHB looks forward to meeting new challenges. The Congress and the government cooperated to relieve some of the pressure to ease the affordability of small businesses and reduce the affordability of housing.”
As we have reported in recent days, housing affordability in California’s hot real estate market has improved over the past few months. Industry experts say that prices have fallen slightly, while revenue has increased.
But this does not mean that the market is slowing down. The California Association of Realtors (CAR) reported that 2016 ended with a strong performance, and 2017 started in the same way.
If sales in 2017 follow the January road, CAR estimates that by December 31, more than 420,000 existing homes will be sold across the state. This is an increase of 2.1% over December and an increase of 4.4% over January 2016.
CAR President Geoff McIntosh said: “California’s housing market continues to be defined by higher-priced coastal markets and cheaper inland areas that still have access to major employment centers.”
In order to find more affordable housing, McIntosh said many buyers are looking for things outside of the core markets of the Bay Area such as San Francisco, San Mateo and Santa Clara. This led to an increase in sales of Contra Costa, Napa and Solano.
In Southern California, the same thing is happening, leading to stronger markets in Riverside and San Bernardino in recent months.
The median price of existing single-family homes in California has fallen below the $500,000 mark for the first time in nearly a year, but this does not mean that homeowners are cutting prices. This just means that cheaper entry-level homes are being sold, which is a healthy signal for the market.
The median home sales price in California fell from $508,870 in December to $489,580 in January, a decrease of 3.8%. Nevertheless, it is still 4.8% higher than in January 2016.
Leslie Appleton-Young, senior vice president and chief economist of the automotive division, believes that the rise in mortgage interest rates stimulated sales in January. She said that home buyers have an incentive to take action before housing prices rise further, and she expects this will eventually have a depressing effect on the real estate market, as it may prevent some consumers from owning a home.
The California market has had a tight inventory of available homes for several months, but it improved in January. CAR reported that there were 3.7 months of inventory last month, compared with 2.6 months in December.
In the last month of 2016, the number of foreclosed homes and the foreclosure rate dropped. Property information provider CoreLogic r..
Suzuki Motor of America recalled 791 model 2009-2013 Grand Vitaras equipped with manual transmission.
The geared rear axle may break, preventing gear shifts and increasing the risk of a collision.
Suzuki will notify car owners that dealers will replace the variable-speed rear axle for free. The recall is expected to begin on March 1, 2017.
This story is based on a recall notice issued by the National Highway Traffic Safety Administration (NHTSA) or auto manufacturer. Although the recall notice may specify certain models and production years, the actual recall may formally include only certain vehicles in these categories-for example, production runs within a certain time frame.
Has your car been recalled? To check if there is an unrecalled product on your car, please write down your VIN number (you can find it in the lower left corner of the windshield), visit www.nhtsa.gov/recalls, and enter the VIN where indicated.
After receiving the recall notice, you should contact your local distributor, and if there are parts, the necessary repairs will be carried out. Usually, the parts are not available immediately, you may have to wait, and in the case of a large recall, it may sometimes be several months. The dealer can voluntarily provide you with a lender, but this is not required by law.
In the event of a crash and the front airbag needs to be deployed, the Takata airbag inflator of the vehicle may be broken as part of the front passenger airbag module used in the original equipment or replacement equipment.
Nissan will notify car owners that dealers will replace the front passenger airbag components free of charge. The manufacturer has not yet provided a notification schedule.
This story is based on a recall notice issued by the National Highway Traffic Safety Administration (NHTSA) or auto manufacturer. Although the recall notice may specify certain models and production years, the actual recall may formally include only certain vehicles in these categories-for example, production runs within a certain time frame.
Has your car been recalled? To check if there is an unrecalled product on your car, please write down your VIN number (you can find it in the lower left corner of the windshield), visit www.nhtsa.gov/recalls, and enter the VIN where indicated.
After receiving the recall notice, you should contact your local distributor, and if there are parts, the necessary repairs will be carried out. Usually, the parts are not available immediately, you may have to wait, and in the case of a large recall, it may sometimes be several months. The dealer can voluntarily provide you with a lender, but this is not required by law.
Choice Farms is recalling a limited number of mushrooms contaminated with Listeria monocytogenes.
The recall involves a total of seven individual shrink-wrapped trays, which are one of the following three types of stuffed mushrooms:
Customers who suspect they have purchased the recalled products should dispose of them and contact Choice Farms LLC for a refund.
Every now and then, you will see a story explaining that the dates stamped on food do not make much sense-most of them are voluntary and have nothing to do with health and safety.
The reason for all the confusion is that there are never any binding rules for most types of expiration dates, so manufacturers have been using it carefully. This will stop, and consumer advocates say it will help Americans save money by not throwing out edible food. It should also reduce the pressure on the landfill.
Perhaps surprisingly, the new standardization is not the result of new government regulations. Instead, the two major grocery trade organizations, the Food Market Association and the Grocery Manufacturers Association, have proposed a set of voluntary standards that encourage manufacturers and grocers to adopt.
GMA President and CEO Pamela G. Bailey said in a press release describing the new standard: “Our product code dating program is the latest example of how retailers and manufacturers can step up to help consumers and reduce food waste.”
The new standard replaces the current different date labels with two: “How to use” and “Best way to use”.
The United States Department of Agriculture and independent health and consumer groups have been urging such actions for years.
“I think it’s huge. Emily Broad-Leib, director of the Harvard Food Law and Policy Clinic, said in a recent report in The Washington Post. “This is still the No. One step, but it is very important. ”
Broad-Leib said: “Clarification and standardization of date label language is one of the most cost-effective ways we can reduce food waste in the United States by 40% each year,” he added, adding that the new standard will help consumers. Make better decisions and reduce unnecessary food and money waste. ”
You will not see the changes immediately. July 2018 is the official deadline, and because the new standards are voluntary, not everyone will follow them. But major grocers, including Wal-Mart, said they plan to line up.
New industry standards may also become the basis of federal legislation at some point, although in the current deregulation environment, it seems unlikely to happen soon.
This winter, the Caribbean is full of Americans on vacation, with one notable exception: Cuba. This long-isolated country is open to the United States.
Oceania claims to be the world’s largest premium high-end cruise company and claims to provide “the best food at sea.” After sailing the Riviera of Oceania I
The Federal Trade Commission (FTC) is investigating whether subprime car lenders are using “killer switches” and other technologies to illegally harass subprime prices.
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A Louisiana company has been ordered by a federal court to stop selling misbranded, unapproved and adulterated medicines and dietary supplements. Delivery payment
For many people, finding time to exercise may be difficult, but many studies have shown that walking for a long time can bring great health b.
Are your network assets under threat? If so, you are not alone. A new study by Trend Micro found that no less than 178 million Internet-connected devices in the United States have been hacked.
Quite simply, exposed network assets are devices connected to and visible on the public Internet, such as routers, webcams or DVRs. Such equipment can be used to monitor its owner, and can often be taken over and used in cyber attacks on others.
The study surveyed the ten largest cities in the United States and found that Los Angeles has the most exposed assets, followed by Houston and Chicago.
Interestingly, the study says that most (79%) of DVRs are in Chicago, and three-quarters (80%) of all DVRs are made by TiVo.
The most exposed cameras connected to the Internet include home cameras manufactured by D-Link and security cameras manufactured by GeoVision and Avtech
The router is like the front door of your home Internet. If it is not safe, criminals may break into your local connection and may monitor your activities, or even steal your private data in some cases.
An insecure router can also become a “zombie”, which means it can become part of a “botnet” (equivalent to the touring band network you see in The Walking Dead). Although this may not directly affect you, it will turn your home into a crime scene and make you part of a global network that supports terrorism, child pornography, and identity theft.
The most basic security step is to never buy a second-hand router. The second is to always change the password on any router you purchase. The password you choose should be long (preferably around 16 characters) and complex-composed of upper and lower case letters, numbers and symbols.
Write down the password, but don’t put it in a pure view that visitors can see. The important thing to note here is that we are not talking about the password you set for Wi-Fi (it might be simpler if you want), but the administrator password of the router.
The third step is to purchase a router with embedded security solutions. Trend Micro pointed out that it has cooperated with ASUS to pre-install the security layer on ASUS routers. Other suppliers can also provide similar solutions.
There is a term-poor housing. This means that you have very little money left after you pay off the house every month.
The real estate market Zillow reports that this seems to be becoming the norm. Interest rates and house prices rise together. As a result, Zillerot said, the average household income paid by mortgages was greater than at any time in the past six years.
A year ago, home buyers used an average of 14.7% of their household income on mortgages. It is now 15.8%.
Zillow said that rising home values ​​are the biggest driving force. The national average house price rises by more than 5% per year, which is largely due to the continuous decline in inventory. As the number of houses on the market decreases, the price of houses for sale may be higher. The price they sell is close to the asking price because the seller has the advantage, not the buyer.
At the end of last year, the average monthly mortgage payment was US$758, an increase of approximately US$68 over the previous year. Zillow said most of the increase was due to rising home values. Another factor is property tax. As the value of the home increases, so does the real estate tax, which will be included in the monthly mortgage.
Although the Fed is on the path to higher interest rates, the federal funds rate it controls has little effect on mortgage interest rates. On the contrary, a stronger U.S. dollar pushes bond yields up, and it is these interest rates, especially those on 30-year US Treasury bonds, that have the greatest impact on mortgage rates.
Dr. Svenja Gudell, chief economist at Zillow, said: “As mortgage interest rates rise, home buyers will face higher financing costs, and already expensive homes will get higher monthly mortgage loans.”
She said mortgage interest rates may rise further until the income share required to pay the median monthly mortgage reaches the historical average. In other words, many expensive markets on both sides of the strait have surpassed it.
Goodell said: “In terms of rents, the recent slowdown in rent appreciation has provided tenants with an opportunity to catch up with their income, because many people have already used a larger share of their income for monthly rent.”
Mortgage payments in each market are also different, because California home prices are usually much higher than in Nebraska. The Zillow report shows that homeowners’ mortgage payments in Los Angeles, San Jose and San Francisco account for the largest proportion of household income, exceeding 40%.
The non-profit physician committee is urging children’s hospitals in six cities to remove hot dogs from patient menus. The organization stated that hot dogs are not only…
When it comes to pressing social issues, this may not be at the top of the list. It may not even be on the list.
Netflix released a new study showing that 48% of couples admitted to “cheating” with another important person. Please note that it is not sexual infidelity. They watched frantically the future plot of the show the couple agreed to watch together.
The advertisement is the result of a 2013 Netflix study, which first identified a phenomenon in which a partner looks forward without notifying the other party. Since then, Netflix says this practice has increased by 300%, and it is now common among couples sharing Netflix accounts.
Netflix said in a press release: “The desire to cheat starts very slowly. Before you know it, you can’t wait and get rushed – white lies and excuses have become part of the game.” “This behavior will only continue. Growth, 63% of American cheaters admitted that if they knew they would get rid of this practice, they would cheat more.”
The company said that carnival viewing has made cheating more common because it is easy to say “one more”.
Netflix said its survey showed that the United States has the most scammers. The honor was awarded to Brazil, followed by Mexico.
What about the country where couples are most likely to only keep their vows together? According to Netflix, the Netherlands is the most loyal movie-watching couple, followed by Germany and Poland.
A report from the Federal Reserve Bank of New York this week showed that the delinquency rate of new car loans continued to rise in the fourth quarter of last year, approaching the highest level since the financial crisis.
Auto loans that were delayed for only 30 days increased to more than $23 billion in the last three months of the year. This is the highest level since the third quarter of 2008.
The severely delinquent auto loans have decreased-more than 90 days delayed. However, the gross delinquency of loans exceeded US$8 billion, the highest level since the previous quarter, which is not an encouraging trend.
In the past few years, with the help of low interest rates and attractive transaction incentives, new car sales have risen to record levels month by month.
However, since the average transaction price of a new car is now more than $35,000, personal financial advisers worry that consumers will spend 6 to 7 years paying for vehicles they can’t really afford.
Even as early as 2014, Melinda Zabritski, Senior Director of Experian Auto Finance, was worried about over-expansion of car buyers.
Zabritski said at the time: “Car buyers tend to pay monthly.” “As a result, we continue to see them shift to leasing and extending loan terms as a strategy to reduce payments and make vehicles more affordable.”
A seven-year loan usually means that the buyer can barely afford the repayment. In the next seven years, financial setbacks are everywhere, and their payments may fall behind. That may be what we are starting to see now.
Lease is not easy. A report from the rental market Swapalease.com showed that the approval rate for car rental applicants in January was only 50%, down from 63% in January 2016.
In the New York Fed’s report on overall consumer debt, auto loan data continues. The report found that the total household debt increased significantly by US$226 billion to US$12.58 trillion, an increase of 1.8%.
Officials said this is the largest quarterly increase in total household debt since the fourth quarter of 2013, and the current total is one percentage point lower than the peak of $12.68 trillion at the beginning of the financial crisis.
Investment fraud is one of the oldest scams. People who seem to be trustworthy will bring you a good return on investment.
Saputo Inc. has begun to recall certain Gouda cheese products due to concerns about potential Listeria contamination. The supplier Deutsch Kase Haus LLC notified the company of the danger after discovering that its products might have been compromised.
Listeria monocytogenes is a potentially lethal organism to young children, the elderly, or consumers with weak or compromised immune systems. However, even healthy consumers can experience symptoms such as fever, severe headache, stiffness, nausea, abdominal pain and diarrhea. Infected pregnant women may have miscarriage or stillbirth.
The recall involves two products-Great Midwest Applewood Smoked Gouda Cheese and Dutch Mark Pasteurized Smoked Gouda Cheese. Both are sold nationwide, mainly in retail stores and delicatessen stores.
Information about the brand, product, packaging size, Universal Product Code (UPC) and “Basis of Sale” date can be found below. So far, no disease has been related to this recall.
Consumers who have purchased the recalled product are urged to dispose of it or return it to the place of purchase for a full refund. If you are concerned about any illness or injury caused by taking this product, please contact your healthcare provider immediately.
For more information, consumers can contact the company at 1-877-578-1510 through Frida between 9 am and 9 pm Eastern Time.
The Union of Consumer Groups urges the Federal Trade Commission to redouble its efforts to protect consumers who are considered “extremely dangerous.”
The Consumer Financial Protection Bureau suspended enforcement today, and the Washington Court of Appeals agreed to reconsider the October decision, which will make it easier for the Trump administration to control the agency and fire its director Richard Cordray (Richard Cordray).
The entire court will be debated on May 24, including Chief Justice Merrick B. Garland (Merrick B. Garland), who had left the bench when his nomination for the Supreme Court was affected by Congress.
Supporters of troubled consumer agencies believe that the court’s decision to reopen the case is encouraging.
Mike Landis, director of litigation at US PIRG, said: “We are very pleased that the decision against the independent leadership of the Consumer Financial Protection Bureau will be reviewed by the entire court.” “The court’s comprehensive review gives director Richard Cordray the opportunity to complete During the tenure, continue to be a consumer champion.”
“We welcome the news that the entire Court of Appeals is hearing this case. The independence of the CFPB from the special interests of Wall Street and predatory lenders, as well as an effective leadership structure, are critical to the bureau’s ability to oversee the industry and protect consumers.” Lisa Donner, executive director of financial reform, said.
Cordray’s term of office is 2018, and he cannot be fired under the law that established the CFPB. New Jersey’s PHH Corp. disputed this rule because it violated the Constitution. The company appealed the CFPB’s decision and imposed a $109 million fine on it.
President Trump has pledged to repeal 75% of all laws and regulations in the United States and to repeal the Dodd-Frank Act, which was the CFPB’s legislation in 2010 and imposed strict new regulations on Wall Street.
The PHH challenge attracted support from business groups including the American Chamber of Commerce, the Association of Competitive Enterprises, and the National Association of Realtors, but it also attracted strong support from consumer organizations and other organizations.
On January 23, 16 state attorneys petitioned the court to intervene in the case. Consumer groups including Financial Reform Americans, the American Consumer Federation and the American Public Interest Research Group also defended the agency.
“In the five years since its establishment, the Consumer Financial Protection Bureau has worked tirelessly to enforce laws that were neglected before the 2008 financial crisis, and has been more powerful than any other federal government in empowering consumers. Institutions are doing more predatory, deceptive and outright fraudulent behavior by bad actors in the financial services industry,” said Wade Henderson, Chairman and CEO of the Citizens and Human Rights Leaders Conference.
“It is disappointing but not surprising that payday lenders, debt collectors, for-profit universities, and other powerful industry groups have turned to allies in Congress and the courts to try to weaken the bureau so that they can continue Exploiting financially vulnerable Americans, Henderson said in a statement emailed to ConsumerAffairs: “The ruling of the panel against the Bureau of Radiocommunication is legally wrong and wrong for consumers. We are The entire DC Tour took this opportunity to correct it and was pleased. ”
The National Safety Council estimates that nearly 40,000 people died in traffic accidents last year, an increase of 6% from the previous year and a 14% increase from 2014.
Logically, the death toll from traffic accidents should be reduced. Consider all the safety features that modern vehicles now have. In 1964, not only were there no airbags, but all cars did not even need seat belts.
So why are the traffic fatalities soaring? Part of my answer is that there are more vehicles on the road than in 1964.
Again, the behavior of the person behind the steering wheel may also play a role. The council conducted a survey of drivers and learned that 64% of people believe that exceeding the speed limit is not a safety issue.
47% of people think that it is acceptable for drivers to send text messages behind the steering wheel, 13% think that they can drive after smoking marijuana, and even 10% will not drive after drinking a little alcohol.
Deborah Hersman, chairman and chief executive of the National Security Council, said: “Our complacency killed us. “The Americans believe that we can do nothing to prevent the collapse, but this is not the case. ”
She said that in addition to deaths, last year’s traffic accidents were estimated to cause serious injuries to 4.6 million people and cost the society about 432 billion US dollars.
Hessman said the United States lags behind other developed countries in preventing highway deaths. As we reported in July last year, the United States has the highest traffic death rate among the top 20 high-income countries. From 2000 to 2013, the death rate in the United States fell by 31%, while the number of crash deaths in other developed countries fell by an average of 56% during the same period.
What is the answer? Some people might think this is a self-driving car, but the National Safety Council hopes to immediately implement life-saving measures on roads that it has set as a zero-death goal.
These measures include mandatory ignition locks for people driving under the influence of alcohol and better education on the dangers of drinking and driving. It also believes that, similar to a traffic camera that catches a red light driver, automated law enforcement tools can catch speeding, which is a step in the right direction.
The committee also promoted laws prohibiting the use of mobile phones while someone is driving, even in hands-free mode. Finally, it urges states to strengthen seat belt laws and extend the three-level licensing system to all new drivers whose current age is from 18 to 21.
As early as December, Delta Air Lines announced that it would provide coach passengers with free meals on its transcontinental flights. Passengers flying between New York’s Kennedy International Airport and Los Angeles International Airport/San Francisco International Airport are locked in to see if the plan is feasible.
It now appears that the company will continue to work hard. Delta Air Lines announced that it will provide free meals for the aforementioned flights on March 1, and will extend it to 10 other cross-country flights by April 24.
The upgrade will benefit the markets of Seattle, California, New York, Boston and Washington DC. If customers take BOS-SFO, BOS-LAX, BOS-SEA, DCA-LAX, FK-PDX, JFK, they can enjoy free meals-SAN, JFK -SEA, SEA-FLL, SEA-MCO and SEA-RDU.
The company stated: “This improvement is part of Delta’s continued investment of millions of dollars in the in-flight customer experience, which includes upgraded main cabin snacks, improved blankets, updated flight fuel outsourcing food options and free Inflight entertainment function.”.
Passengers will be able to choose free meals from several different dining options. For breakfast, travelers can choose a honey maple breakfast sandwich, a Luvo breakfast medley or a fruit and cheese plate. For lunch, Delta Air Lines can choose a Turkish combination smoked with mesquite, a Mediterranean-style whole-grain vegetarian package or a fruit and cheese platter. During the beverage service before arrival, there will also be a breakfast bar for those who fly overnight.
In addition, if you are over 21 years old, Delta Comfort+ members will receive a snack basket before arrival, as well as free beer, wine and spirits. For members who fly from JFK to Los Angeles International Airport or SFO, there will also be a mid-range Greek frozen yogurt bar.
Delta Air Lines said it expanded its service to more flights after receiving positive feedback from customers on the test conducted last year.
“We go all out to provide our customers with the best cabin experience, and providing free high-quality meals is an important part of this experience. When we tested this concept, our customers liked and appreciated it, so we Strategy is implemented in the market.” said Allison Ausband, senior vice president of Delta Airline Services.
With the help of technology, novice birdwatchers may soon become experienced experts. Earlier this year, Subaru added a bird watching app called eBird.
Staying in it on a cold winter weekend? Why not let the cabin fever start slowly, and why not make the most of your time by completing one or two DIY projects?
On weekends, you can’t go out, it’s a great opportunity to spend some time to embrace and improve the indoor space. But figuring out which potential household items are hidden from view is not always easy.
Fortunately, the homeowner resource site HouseLogic from Realtor.com provides some ideas on how homeowners can improve their indoor space when the weather is too cold to go out. Most of HouseLogic’s ideas can be completed on the weekend.
When the cold temperature makes housing necessary, homeowners can use the following methods to beautify their houses:
In addition to soaring tuition fees, college students have long complained about the high cost of textbooks. Rackets, some are already charged.
Consumer advocates working to protect the Consumer Financial Protection Bureau from Congressional restrictions or dismantling received some unexpected help this week.
Let us assume that people usually think that they are too stressed at work. It’s just with territory. No one thinks this is easy, right?
However, when CareerCast surveyed its readers, it found that nearly three-quarters of people believe they are under a lot of pressure at work. Ask participants to rate their pressures from 1 to 10, with 10 constant pressures.
Few people admit that they are not under pressure. But the survey found that 71% of the participants rated their stress as seven or more, indicating that they think they are working in a very stressful environment.
What is the source of stress? 30% said this is the deadline for the work they must complete. The most pressing source of stress is being responsible for the lives of other people, such as being a pilot, a surgeon or a police officer. That is 17%.
At the back of this list, 10.2% believed that the competitiveness of the office was the biggest source of stress, while 8.4% pointed out the physical needs of work.
CareerCast online content editor Kyle Kensing said: “If you are on the front line and responsible for career changes and responsible for the lives of others, then reducing stress will not help.” “However, if the deadline creates undue stress at work , Please ask your supervisor for additional resources to help with the project or find out if the timetable can be relaxed for mitigation.”
Believe it or not, people who work in education have a higher stress level than health care workers. Among educators, 88.9% said that the stress level was 7 or higher, while only 69% of medical staff were stressed.
In between are the people who work in customer service, the poor people who listen to our complaints every day. Seventy-eight percent of customer service employees indicated a stress level of seven or higher.
The survey found that ordinary employees spend 47 hours a week on work instead of the usual 40 hours. This means that ordinary employees are spending nearly 40% of their waking time facing various work-related pressures.
The survey found that stress is the main reason for some employees to leave. Nearly 59% of participants said that if possible, they would leave the profession to get rid of the pressure.
Due to concerns that the packaging may grow botulinum, Loblaw Company Limited has updated its recalled branded baby food bags.
Clostridium botulinum is the most common bacterium that causes botulism. Food infected by bacteria may not look or smell spoiled, but it may have devastating health consequences. If consumed, symptoms may include nausea, vomiting, fatigue, dizziness, blurred vision or diplopia, dry mouth, respiratory failure, and paralysis. In the worst case, consumption can even lead to death.
The first recall was issued on February 3, 2017, but after a food safety investigation, the Canadian Food Inspection Agency (CFIA) updated it to include more products. These products are sold in several regions of Canada, including Ontario, the Atlantic Ocean, Quebec and multiple regions in the west. However, American consumers who purchase products and bring them back to the United States should also beware.
For a complete list of where products are sold, as well as information about brand names, common names, sizes, product codes and universal product codes (UPC), consumers should visit this website here.
Consumers who have purchased any recalled products are urged to immediately discard or return them to the place of purchase. If you think you are sick from eating the recalled product, you should call your doctor immediately.
For more information about the recall, consumers can call 1-888-495-5111 or contact Loblaw online at customerservice@presidentschoice.ca.
Mercedes-Benz recalled some 2017 E300 and E300 4Matic vehicles. The shift lever module installed on the steering column of these vehicles may be damaged. If the internal circuit board is damaged, moving the shift lever will not select the gearbox.
If the vehicle does not move forward or backward according to the driver’s selection with the gear lever, the risk of collision will increase.
MBUSA will notify car owners that dealers will replace the shift lever module installed on the steering column for free. The recall is expected to begin in March 2017. Vehicle owners can call MBUSA customer service at 1-800-367-6372.
Vehicle owners can also call 1-888-327-4236 (TTY 1-800-424-9153) to contact the National Highway Traffic Safety Administration Vehicle Safety Hotline, or visit www.safercar.gov.
Due to potential airbag problems, Mercedes-Benz recalled several 2017 models. The company said that the front passenger occupant detection control unit may be incorrectly installed. As a result, the front passenger seat occupants may be misclassified.
For example, an adult may be incorrectly classified as a child seat, causing the front passenger airbag to deactivate in the event of an accident, which may result in injury or death.
MBUSA will notify the owner that the dealer will check the wiring of the pressure hose of the seat occupancy detection control unit, and replace the pressure hose and seat occupancy detection pad for free if necessary. The recall is expected to begin in early March 2017. Vehicle owners can call MBUSA customer service at 1-800-367-6372.
Vehicle owners can also call 1-888-327-4236 (TTY 1-800-424-9153) to contact the National Highway Traffic Safety Administration Vehicle Safety Hotline, or visit www.safercar.gov.
Mercedes-Benz has recalled several models because the front windshield may be out, including 2016 GLE350 4Matic and GLS 450 4Matic, 201.
Britax has begun to recall about 717,000 units of Click&Go receivers found on Britax B-Agile and BOB Motion strollers.
The company said that when the product is in travel system mode, damage to the receiver mount on the trolley may cause the car seat to detach and accidentally fall, posing a risk of falling to the baby in the car seat. The recall involves a foldable, single or double passenger car stroller, and the Click&Go receiver mount of the stroller can fix the car seat bracket on the stroller frame.
The recall includes 121 affected models of B-Agile products and 21 affected models of BOB products, which can be viewed here. The model can be found inside the metal frame of the stroller near the right rear wheel of the single stroller, and can be found in the front, middle and lower part of the frame of the double stroller.
These products were sold at retailers nationwide (Babys R Us), Baby and Target retailers from May 2011 to February 2017, and sold on Amazon.com, albeebaby.com, buybuybaby.com, diapers .com, online sales on ToysRUs. com and other sites. Product prices for strollers and travel systems range from $250 to $470.
So far, Britax has received 33 reports of car seats accidentally detaching from the stroller and falling to the ground, causing 26 injuries. The company is aware of 1,337 reports of strollers with damaged Click&Go receiver bases.
Britax urges consumers who own one of the affected products to stop using strollers in their cars. However, it says that these products can continue to be safely used as strollers.
The company asked consumers not to return products to retailers. Instead, consumers should dispose of the Click&Go receiver. The company has promised to provide a remedial toolkit to repair damaged parts of a single stroller model.
For more information, consumers can contact Britax online via the following methods: us.britax.com/recall and trolley. Consumers can also contact the company by phone at 844-227-0300 (Monday to Friday, 8:30 am to 7 pm EST and Saturday, 9 am to 3 pm EST).
Veggie Noodle Co. in Austin, Texas, is voluntarily recalling certain Butternut Spiral products out of concerns about possible Listeria contamination.
Listeria monocytogenes is a potentially lethal organism to young children, the elderly, or consumers with weak or compromised immune systems. However, even healthy consumers can experience symptoms such as fever, severe headache, stiffness, nausea, abdominal pain and diarrhea. Infected pregnant women may have miscarriage or stillbirth.
The recalled product is packaged in a 10.7-ounce transparent plastic container with a Universal Product Code (UPC) of 852287006059, and the “Enjoy Date” is February 23, 2017; both information can be found on the side of the package.
Products are shipped to several states in the United States, including Illinois, Indiana, Iowa, Michigan, Minnesota, Missouri, Nebraska, Ohio and Wisconsin. There are no reports of diseases related to the recall.
The company urges consumers who have purchased any recalled products not to consume them, and discard or return them to the place of purchase for a full refund.
For more information, consumers can send an email to info@veggienoodleco.com or call 512-200-3337 (ext. 500) (Monday to Friday, 8 am to 5 pm US Standard Time) ) Contact Veggie Noodle Co..
Due to packaging errors, Century Packing Corp. has recalled 999,419 pounds of heat-treated commercial sterile chicken sausage products.
According to the findings of the Food Safety and Inspection Service (FSIS) of the United States Department of Agriculture, the product contains sodium glutamate (MSG), but the substance is not declared on the product label.
The recalled products were manufactured from January 1, 2015 to February 13, 2017, and distributed for retail and institutional use in Florida and Puerto Rico. There are a total of six recalled products:
Each product can also be identified by the “P-7375″ company number in the USDA inspection mark. To date, no diseases related to these products have been reported, but any consumers with health problems are advised to contact their healthcare providers.
Consumers seeking more information about the recall can call (787) 716-2555 to contact the company’s quality control manager Yixa Hernandez.
Verizon Wireless joined the club this week, announcing that it will also offer unlimited data plans-the market has already begun to decide this.
The fact that President Trump tried to crack down on immigration proved to be a monopoly of scam artists, who used the means of impersonating immigrants to blackmail money.
Health care costs have always been a hot topic among consumers, but a new study suggests that for many people, bad news may be about to emerge.
Thanks to the preliminary approval of US District Court Judge Charles Breyer, Volkswagen has left its “dirty diesel” scandal behind this week.
For about 30-40 million Americans, the mere thought of going to the dentist causes anxiety. And a greater sense of fear may spread throughout me.
Since the Yahoo and Verizon deal was first concluded in July last year, the acquisition deal has been facing many bumps. In September, detailed information about the data breaches of 500 million Yahoo accounts was made public and threatened the security of this arrangement.
Unfortunately, things only seem to escalate from there. There are rumors that Verizon is seeking a $1 billion discount on the transaction, and executives said they need more information before things move forward. Then, in December, another data breach was discovered, involving 1 billion user accounts. Many experts claimed that the success of this acquisition was no different from failure.
However, Verizon has not left the negotiating table, and now some sources say that a new deal may be about to be reached. Bloomberg quoted sources close to the matter as saying that Verizon is about to renegotiate a deal that will reduce the original price of $4.8 billion by approximately $250 million.
In addition, the source said that Yahoo’s renamed entity Altaba will bear continuing legal responsibility related to data breaches. The source said that although the specific announcement timetable has not been determined and the deal can be further renegotiated, the news may be announced in a few days or weeks.
Yahoo has been under pressure to consolidate deals for some time. CEO Marissa Mayer (Marissa Mayer) specializes in turning around troubled companies, and he has been in a leading position after each data breach was made public. However, earlier reports indicated that she would resign as a director before successfully completing the acquisition transaction.
Verizon faces another type of pressure related to transactions. Yahoo’s 1 billion user platform will greatly help the company expand into the mobile media and advertising market, but some shareholders may not be willing to do business with a company that has suffered such a scandal in such a short period of time. However, in the end, these same shareholders must approve the revised transaction before it can proceed.
After the news came out, Yahoo’s stock price rose 2% to 45.93 US dollars before 11:00 in the morning. As a result, Verizon shares fell 0.7% to $47.95.
Politicians often ruin the so-called death tax, but for most people, the ultimate insult is not tax, but funeral expenses. Yiguan must provide detailed price schedules, but as a recent investigation by the Federal Trade Commission found that many many Yiguans did not do so.
FTC investigators visited 133 s ceremonies in 2015 and 2016 and found that 31 of them failed to disclose itemized pricing in accordance with the FTC’s Funeral Rules.
The rule requires the funeral hall to provide consumers with a detailed general price list at the beginning of the face-to-face of the funeral arrangement discussion, the price list of the coffin before the consumer looks at any coffin, and the price of the outer burial container before they look at the grave lining or coffin table. Vault.
The rule also prohibits funiture halls from requiring consumers to purchase any items, such as coffins, as a condition for obtaining any other funiture items or services. This allows consumers to compare prices and buy only the products and services they want.
The fines for violating this rule can be as high as US$40,654 per violation, but those who violate the rules of Fun Yiguan Home can choose to participate in the training program without having to pay the fines. All arrested in the last two years of investigation did the same.
The results of the secret inspection of the price lists disclosed by the Federal Trade Commission in each region from 2015 to 2016 are as follows:
Many telemarketing scams originated overseas, but, as a recent case involving a man in Florida demonstrated, associates from the United States often keep cash.
A large number of studies have shown that friendship is essential to our physical and mental health, and in the motherhood, friendship may be even more important.
When the U.S. Department of Transportation recently released the 2016 National Bridge Inventory report, a team was particularly interested.
The American Road and Transportation Builders Association (ARTBA), a trade organization representing road contractors, took out a calculator and performed some mathematical calculations.
In the United States, a total of 55,710 bridges were structurally damaged. After some calculations, it said that cars, trucks and school buses were found to cross these bridges 185 million times a day.
Only 1,900 bridges on the list are on the interstate highway system. But ARTBA said that the state transportation department has identified 13,000 interstate bridges that need to be replaced, expanded or undergoing a lot of work.
In fact, the number of bridges with structural defects dropped by 0.5% compared to 2015, but ARTBA said this is really not good news. The team stated that if this is all the improvements that can be achieved within 12 months, it will take more than 20 years to improve or replace all the bridges on the list.
ARTBA chief economist Dr. Alison Premo Black (Alison Premo Black) said that about 28% of the defective bridges are more than 50 years old and have never undergone any major reconstruction work.
Black said: “The highway network in the United States is underperforming. It is outdated, overused, underfunded, and urgently needs modernization.”
Black said state and local transportation departments lack the resources to keep up with bridge repairs.
During the presidential campaign, Donald Trump focused on the country’s “fragile infrastructure” as one of his priorities. Wall Street expects a large amount of spending in this area in the next few months, which is one of the reasons for the current high stock market.
Being declared a “structural defect” does not mean that a bridge is about to collapse. The soundness level of the bridge ranges from 1 to 9, and a level 4 or below is considered unqualified. Although the bridge may not become unsafe immediately, ARTBA said it does require attention.
The report found that Iowa has the most imperfect bridge structure, followed by Pennsylvania and Oklahoma. Nevada, Delaware and Hawaii have the least.
Bridges rarely collapse, but the results of doing so can be catastrophic. In 2007, during peak hours, the span of the I-35 bridge in Minneapolis collapsed, killing 13 people and wounding 135 people.
February is the main vacation travel time, and many people seek higher temperatures in the tropics. Therefore, this may be a good time to remind consumers.
The Federal Trade Commission announced that GC Services, a large student debt collection company, will pay $700,000 for illegal means.
The FTC’s complaint alleges that the company’s payee left phone information that illegally disclosed the alleged debt to a third party.
GC Services employees were also told that the respondents did not owe debts, and they called the consumers many times after they called the wrong person or couldn’t find the person they wanted there.
According to the FTC, GC Services also falsely claimed that it would take measures to prevent its employees from illegally calling third parties to find debtors.
The FTC said student loan debt is a large and growing part of the US debt collection industry. The average outstanding loan debt of more than 40 million consumers is $29,000. GC Services is a third-party debt collector who defaults on federal student loans and other types of debt.
The government’s latest inflation rate indicator at the wholesale level showed a significant increase in January.
Although the Department of Labor has not yet reported the latest consumer-level inflation data, Adobe’s Digital Price Index (DPI) points out that consumers are paying more for things than last year, at least when shopping online.
DPI tracks $7.50 for every $10 spent among the top 500 retailers in the United States. In the past two months, it began tracking prices in five new categories-alcoholic beverages, auto parts, tools and home improvement products, personal care products, and pet products.
In January, Adobe reported that consumer product inflation was higher than expected. Although there are holiday sales, the price in December is still higher than the data in December 2015.
Adobe reports that this trend continued until January when prices rose by 0.05%, which resulted in a cumulative inflation rate of 1.2% in the last three months.
Again, despite fierce competition among retailers on holiday holidays, Adobe found that the price of TVs has risen by 7.8% from a year ago, the price of electrical appliances has risen by 6%, and the price of tablet computers has risen by 5.4%.
Adobe DPI data science analyst Luiz Maykot said: “The inflation we are seeing is really interesting because the US economy has been struggling with deflation in the past few years, especially in deflation such as durable computers and household appliances. Tightening. “We see people buying TVs and computers and spending their disposable income, which is usually a good sign of the economy. ”
Rising prices will never be beneficial to consumers, but Maykot pointed out that this means companies can raise prices, which will help maintain their business. The magnitude of the price increase does not seem to bother consumers who continue to consume.
Mecot said: “It is too early to judge whether this situation will continue, but this is an important trend that deserves attention.”
Adobe said that in the new alcoholic beverage category, beer prices rose the most year-on-year. But it says online wine sales are very strong, which suggests that this may become an increasing opportunity for online retailers.
Since the financial crisis, inflation has basically not existed, which is why the Fed has kept interest rates near zero. However, after a small interest rate hike in December, Federal Reserve Chairman Janet Yellen testified to Congress this week that there are signs that the economy is starting to grow faster, which suggests that it may increase again next month. interest.
Guggisberg Cheese Inc. began to recall certain colby cheese products after receiving a Listeria contamination report.
Listeria monocytogenes is a potentially lethal organism to young children, the elderly, or consumers with weak or compromised immune systems. However, even healthy consumers can experience symptoms such as fever, severe headache, stiffness, nausea, abdominal pain and diarrhea. Infected pregnant women may have miscarriage or stillbirth.
These products were produced by Guggisberg Cheese Inc. and Deutsch Kase Haus, LLC between September 1, 2016 and January 27, 2017. The products are packaged in transparent plastic and sold in deli and retail stores in Ohio, Indiana, Michigan, and Pennsylvania. Kentucky, Illinois and West Virginia. So far, there have been no reports of diseases related to this recall.
The complete list of recalled products, including information about the product, size, Universal Product Code (UPC) and “Date of Use” is as follows:
Consumers who have purchased any recalled products are urged to throw them away or return them to the place of purchase for a full refund.
For more information, consumers can contact Ursula Bennett, a customer service representative at 330-893-2500, Monday to Wednesday and Friday, Monday to Wednesday and Friday, Eastern Standard Time.
Volkswagen Group of America (Inc.) recalled certain 2017 Passat cars. Brake fluid may slowly leak from some brake pipe connections, resulting in a low brake fluid level.
A lower brake fluid level may extend the distance required to stop the vehicle, thereby increasing the risk of collision.
Volkswagen will notify car owners that dealers will replace the affected brake lines for free. The recall is expected to begin in March 2017. Car owners can call Volkswagen Customer Service at 1-800-893-5298. Volkswagen’s call for this recall is 47N3.
Vehicle owners can also call 1-888-327-4236 (TTY 1-800-424-9153) to contact the National Highway Traffic Safety Administration Vehicle Safety Hotline, or visit www.safercar.gov.
Against grain food pet food companies are recalling a batch of “grain drawn beef for dog soup” dog food. Company officials said the product may be contaminated with pentobarbital.
Pentobarbital is a barbiturate that can cause a variety of side effects on dogs that eat it, including drowsiness, dizziness, excitement, loss of balance, nausea and nystagmus (where the eyeballs move back and forth), inability to stand, and coma.
The product was manufactured and distributed in 2015, and the effective date is December 2019. The batch number of the affected product is 2415E01ATB12, and the latter part of the Universal Product Code (UPC) is 80001. These numbers can be found on the back of the product. product label.
Currently, there are no complaints against this product. However, consumers who have recalled cans are urged not to feed them as pet food.
The company recommends returning the product to the place of purchase. For the inconvenience caused to consumers, they will receive a complete box of “anti-grain” food.
For more information, consumers can contact the company at 1-800-288-6796 between 11:00 am and 4:00 pm CST from Monday to Friday.
Marathon Pharmaceuticals LLC has postponed the launch of its newly approved drug for the treatment of Duchenne muscular dystrophy in the United States after criticizing the drug for $89,000.
With Republicans in control of Congress, there has been a lot of discussion about clearing regulations to slow the adoption of new technologies, such as regulations requiring cars to be equipped with old-fashioned items such as steering wheels and brake pedals.
Safety advocates have been trying to slow down the urge to adopt self-driving cars, but the two senators said they want to remove regulatory restrictions that prohibit the use of new technologies that may make hands-on driving a thing of the past.
Chairman of the Senate Committee on Commerce, Science and Transportation, Republican of Michigan Democrat Gary Peters (Southern Dakota), and South Dakota Republican John Thune (John Thune) said they are exploring legislation to “clear the way.” And promote the innovation of autonomous vehicle technology”.
The two said in a prepared statement: “Unmanned vehicles can greatly reduce the number of people killed on roads and highways each year by more than 35,000 people than any other car technology in history, and fundamentally change the way we travel. “Ensuring that American innovators can safely develop and implement this technology will not only save lives, but also consolidate America’s position as a world leader in the future of mobility.”
They pointed out the objections of automakers. They said that the federal requirement that all vehicles must be equipped with steering wheels and brake pedals is one of the rules that may slow the popularity of autonomous vehicles.
Automakers also complained that states are pushing their own regulations, which creates the possibility of chaotic legal “fixes.”
Turn and Peters said: “Our work will also include discussions on the patchwork of existing laws and regulations and the traditional role of federal and state regulatory agencies.”
The two said that most existing safety regulations (not surprisingly) assume that cars and trucks have drivers.
“Many current federal vehicle safety standards refer to the location of driver controls and other systems that assume manual operation. Although these requirements are meaningful in today’s conventional vehicles, they may inhibit innovation or impair self-driving vehicles. Cause harm.” They said, “Nevertheless, the slow pace of regulation may become a major obstacle to the development of new and safer. American automotive technologies.”
Last year, the National Highway Traffic Safety Administration (NHTSA) adopted new national safety guidelines for autonomous vehicles, insisting that autonomous vehicles have a proven “robust design” before turning on the street before driving. Make it clear that autonomous vehicles have the potential to reduce accidents.
Dr. Mark Rosekind, Director of NHTSA at the time, said: “94% of crashes on American roads are caused by human choice or error.” “We are advancing for the safe deployment of automation technology because they are essential for solving the vast majority of crashes. There is great hope for accidents and saving lives.”
Just yesterday, General Motors announced with great fanfare that its Chevrolet Cruze diesel engine has passed the certification of the US Environmental Protection Agency.
There are millions of “miracle” aging treatments that can make you look young forever. However, the latest research from Brigham Young University shows.
In a recent report, we detailed Verizon’s decision to launch an unlimited data plan. Executives boasted that this move will enable the company to work hard for the future, but T-Mobile employees have some choices when making a decision.
In an announcement on the company’s website, T-Mobile President and CEO John Legere claimed that Verizon’s new product is an inevitable move that other operators (ie T-Mobile) that offer better deals will facilitate .
“I don’t blame Verizon for the collapse. They just lost their network advantage, and they know this… and more importantly, more and more customers know this. Their backs are against the wall,” he said. “This is the job of the Un-carrier-dragging aircraft carriers to the future. Next, we will force them to include monthly taxes and fees. Remember my words.”
To support these words, T-Mobile announced that it will provide some quotations. Starting from February 17, the company said that T-Mobile ONE unlimited data subscribers will no longer be charged for watching full HD non-throttled videos.
For customers who prefer to use their mobile phone as a mobile hotspot and connect other devices to the Internet, it has also increased the upper limit of free data sharing to 10 GB per month. After reaching the upper limit, users can still access unlimited 3G data until the end of the month. Finally, it said it will provide two new production lines on T-Mobile ONE at a price of $100.
Customers who wish to take advantage of the new offers can activate them online via the T-Mobile app or via my.t-mobile.com on February 17 to use the new offers.
Although T-Mobile’s move will undoubtedly attract consumers’ attention, it may prompt other operators (such as Verizon) to take more actions, who believe they need to provide more services to retain customers. And, thankfully, even though all of this is in progress, consumers may be able to save a lot of money and get attractive new features.
It may still be winter, but it is too early to start preparing the house for the spring sales season. In fact, winter is the ideal time.
Cathay Pacific is the latest airline to launch its own branded travel reward credit card. The airline is cooperating with Synchronized Bank to issue Cathay Pacific Visa cards.
Consumers who regularly fly with airlines will get the most benefit. Cathay Pacific flies to 173 destinations in 42 countries and regions. The company said that although these flights have the most tickets, the card can be used anywhere in the world where Visa is accepted.
Cathay Pacific is mainly an international airline centered in Asia, with more than 100 flights departing from six US airports (Boston, Chicago, Los Angeles, New York JFK Airport, Newark Liberty Airport and San Francisco) every week.
The card can accumulate 2 miles of Asia Miles for every US dollar spent. After opening an account, consumers can earn 25,000 Asia Miles as long as they spend $2,500 or more within the first 90 days of opening the account. The airline stated that this alone is sufficient for one-way upgrade of Cathay Pacific.
Although it is relatively late for the rewards credit card game-most major airlines already have branded cards-Cathay Pacific vice president of sales and marketing for the Americas, Eric Odone (Eric Odone) said that for seeking to enhance the pleasure of travel.
Tom Quindlen, Executive Vice President and CEO of Synchrony Financial Retail Card, said: “We are as passionate about excellent customer service as Cathay Pacific, and reward travelers by giving them more privileges and payment flexibility to enjoy them. experience of.
The “Asia Miles” website shows customers where they can find ways to redeem the miles they have earned. Redemption includes use on Cathay Pacific, oneworld and partner airlines, as well as travel packages.
There are many consumer products and services designed to help homeowners protect their homes from theft.
Depending on where you live, this may be an urgent issue. According to FBI investigations, burglaries accounted for nearly 24% of property crimes committed in 2010. The victims’ losses that year were estimated at 4.6 billion U.S. dollars.
Before deciding whether and which type of deterrent is needed, it is best to listen to some actual thieves who encounter these obstacles.
Researchers at the University of North Carolina at Charlotte visited 422 criminals serving sentences in prison and asked them the most effective way to keep them out.
Studies have shown that alarms are an effective deterrent. 60% of the burglars surveyed said that if they encounter an alarmed house, they will look for another target.
The same number of people said that they would be discouraged by the existence of video surveillance and might choose another house for robbery.
The vast majority of thieves interviewed are not experts. Most of them admitted that they broke into their homes to find drugs or steal things that could be sold to support their drug habits.
In fact, unless you live in a mansion, you are most likely the person trying to break into your home, not the cat thief looking for diamonds.
David Cole wrote on Quora that he said he found a man claiming to be a retired cat thief on Reddit. His advice to consumers is to laminate the windows on the first floor.
The so-called thief wrote: “The crooks’ greatest weapon is speed, and their greatest enemy is time.” “If someone tries to break into your house and hit a laminated window, they will run away in almost every situation. .”
He suggested that mezzanine windows provide much higher security than alarms or dogs, but that guy is considered a professional. Amateurs looking for drugs are unlikely to be proficient in disabling security systems or befriending dogs.
Signs.com recommends that as long as there is a sign stating that the house is protected by a security system, or that the dog is in the house, it is usually enough for the thief to move into the neighbor’s house.
Suppose a thief covers it before breaking into the house. If the target seems to present him or her with a challenge, he or she may be deterred. Bright porches and good street visibility can also be an effective deterrent.
Garry Kasparov (Garry Kasparov) Although cross-border migration of immigrants may pose a threat to democracy, cyber attacks pose a more serious threat, namely the main privacy.
Although much of the automotive world is fascinated by the development of autonomous vehicles, other engineers have been studying flying cars.
The government reported that the wholesale inflation rate rose by 0.6% in January. This reflects the increase in costs before the goods are sold to consumers. However, at some point, consumers should expect to pay at least some of these costs.
Most of the increase in January went to food, energy and trade services. If these categories are excluded, the producer price index rose by only 0.2%.
The so-called final demand commodity prices rose by 1.0% in January, the largest increase since the 1.0% rise in May 2015. Final demand reflects the final stage of the process of providing goods or services to retailers.
In January, most of the final demand increase can be attributed to energy, which increased by 4.7%. Oil and gasoline prices rose at the beginning of the year because people believed that OPEC’s production cuts would reduce supplies. So far, the evidence on this point is very rough.
When you study the energy category more deeply, you will find that gasoline is the main driving force. The Bureau of Labor Statistics of the Department of Labor reported that even though retail prices remained stable, the gasoline index rose 12.9% in January.
Costs related to pharmaceutical production, steel waste, oil and gas for household heating, and pork have also risen. The price of beef and veal fell by 7.2%, partially offsetting the increase in prices.
Since the 2008 financial crisis, the inflation rate in the United States has basically not existed. The reduction in demand for goods and services actually produced a deflationary effect.
The Fed has kept interest rates close to 0% for many years in an effort to generate a bit of inflation in the economy. Although high inflation (such as what the United States experienced in the 1970s) may be bad for consumers, economists say that some inflation is needed to enable companies to increase prices over time.
Due to possible problems with the rear CV joints, BMW recalled approximately 8,700 vehicles. The company stated that the joints may break, resulting in loss of propulsion.
MDS Foods, which operates outside of Marcellon, Ohio, has recalled multiple products that may be contaminated with Listeria. The company learned from one of its suppliers, Deutsch Kase Haus, that its minihorn cheese may have been infected with dangerous bacteria.
Listeria monocytogenes is a potentially lethal organism to young children, the elderly, or consumers with weak or compromised immune systems. However, even healthy consumers can experience symptoms such as fever, severe headache, stiffness, nausea, abdominal pain and diarrhea. Infected pregnant women may have miscarriage or stillbirth.
The affected products are distributed nationwide by MDS Foods Inc. under multiple brand labels, including Amish Classics, Meijer, Deli Made EZ, Deli Readi, Lipari Old Tyme, Duck Deli and Old Tyme.
The complete list of foods recalled due to contamination found by cheese suppliers is shown below, including information about brand, description, product size, UPC code, box UPC code and date code:
It is strongly recommended that consumers who purchase any of the listed cheese products from the listed sales date do not consume the product and return it to the place of purchase for a full refund. For safety reasons, products with unreadable codes should also be returned.
For more information, consumers can contact MDS Foods Customer Service at (330) 879-9780, ext. 105 from 8:00 am to 5.00 pm EST, Monday to Friday.
Not long ago, milk was milk. It comes from cows and then enters the quart and half-gallon containers commonly found in supermarkets.
Verizon Wireless has provided unlimited data plans with most competitors and pointed out that both new and existing customers can use it.
If you also signed up for paperless billing and AutoPay, the new Verizon Unlimited plan costs $80, and you can use unlimited data, calls, and text on a single smartphone. The price of each of the four lines is $45, and it also provides unlimited data, call and text functions on smartphones and tablets, and also requires paperless billing and AutoPay.
Many consumers may say that this move is overdue, because data plans are everywhere now. Industry analysts say that Verizon was forced to take action because it lost too many customers.
The plan also includes high-definition video streaming, mobile hotspots, voice and text coverage in Mexico and Canada, and roaming of up to 500 MB per day in two neighbors in the United States.
Ronan Dunne, President of Verizon’s Wireless Division, said: “We have established a network so that we can manage all the activities that our customers perform. Everything we do is to provide the best experience on the best network, and we have established a future-oriented, Not just today.”
But Dunn said that unlimited data may not be what everyone wants. The company will continue to offer 5GB, S, M and L plans that may be more suitable for light users. Although the plan is “unlimited”, unlimited data may not always maintain the same speed.
Verizon said in a statement: “In order to ensure a quality experience for all customers, in any billing cycle, after the data usage on a line reaches 22 GB, if the network is congested, we may give priority to other customers. Happening.”
The company said it does not expect this to happen frequently, but it needs to be able to do this to manage network resources.
Verizon’s new plan is similar to its main competitor, but Verizon said it has made key progress. It provides a higher quality video stream. In addition, AT&T’s unlimited plan requires subscription to other AT&T affiliate services.
Yahoo is facing increasing scrutiny from two U.S. senators who say Yahoo has not yet made enough information about its two large-scale data breaches (not enough to expose the records of more than 1 billion consumers to hackers) Suggest.
In a letter to Yahoo CEO Marissa Mayer, the senators said they were concerned about the “last minute” cancellation of Yahoo’s meeting with Senate staff on January 31, and said that unexplainable cancellations increased ” Concerns about the company’s willingness to deal with Congress”. Completely candid about these recent events. ”
Senator-Senate Commerce Committee Chairman John Thun (RS.D.) and Consumer Protection, Public Safety, Insurance and Data Security Subcommittee Chairman Jerry Moran (Kansas R.) Yahoo Executive “So far it has not been able to provide answers to many basic questions about violations.”
The Wall Street Journal reported that the company said it was studying the letter and would “respond as appropriate.”
In September 2016, Yahoo stated that about 500 million customer accounts were hacked in 2014, leading analysts to call it the largest data breach in history. But then, the company said in December that the second earlier data breach in 2013 affected no less than 1 billion accounts.
A lot of information was exposed in the leak, including name, email address, phone number, birthday, hashed password, and security questions and answers. The company said that payment card data, clear text passwords and bank account information have not been compromised.
The senator cited confusing and sometimes contradictory information about when and how violations occurred and when companies became aware of violations. And, saying that its main goal is to protect the privacy of consumers, five questions were asked to Mayer:
In addition to the Senate investigation, the Wall Street Journal also reported that the US Securities and Exchange Commission is investigating whether the company should report violations to investors earlier.
In addition to possible regulatory actions, these violations also jeopardized Yahoo’s $4.8 billion sale of itself to Verizon. In October, the “New York Post” stated that Verizon was asking for a $1 billion discount because it did not know the full scope of the violation when the deal was concluded.
“On the last day, we heard that [AOL boss] Tim [Armstrong] walked indifferently. According to the Post, a source familiar with Verizon said he was very dissatisfied with the lack of disclosure. He said: “We Can you get out of trouble or can you lower the price? ”
Many consumers may be aware of the positive health effects of probiotics. Past studies have shown that these beneficial microorganisms can promote better digestion.
In 2017, the Chevrolet Cruze diesel ranked first in refueling Derby cars, was awarded a 52-gallon/gallon highway rating from the U.S. Environmental Protection Agency (EPA), and a six-speed manual transmission, reaching 30 mpg in city driving .
This is the first non-hybrid car to have an EPA rating of at least 50 mpg on the highway since the micro Geo Metro. The question is whether consumers who have succumbed to Volkswagen’s poor reputation for “clean diesel” will seize the opportunity again.
Chevrolet is committed to providing customers with various propulsion options. We know that some customers are looking for the right combination of fuel efficiency, driving dynamics, fuel type, etc. Chevrolet Marketing Director Steven Majoros said that they can do it with the 52 mpg highway “Cruz diesel sedan” estimated by the EPA.
The car is equipped with a new Ecotec 1.6-liter inline four-cylinder turbo diesel engine that can provide 137 horsepower (102 kilowatts) and 240 pound-feet of torque. General Motors stated that the Cruze diesel engine has passed all strict environmental standards and verifications in the United States, including Tier 3 Bin 125 emission standards, and hopes to calm any doubts about the authenticity of its clean air.
Buyers will be able to choose the standard six-speed manual transmission or the new optional Hydra-Matic nine-speed automatic transmission (including fuel-saving/starting technology) to choose the Cruze diesel sedan.
General Motors does not lag behind its competitors in the battle for fuel economy. Its Chevrolet Bolt recently received an EPA-certified 238-mile range, making it the first electric car in the United States with a range of more than 200 miles.
Your little ones may be open-minded, and Valentine’s Day is a great opportunity to show them how they are loved. But treat it sweetly.
As cities and suburbs become more and more urbanized, more and more people walk and ride bicycles. This is fine unless they are hit by a car.
In Washington, DC, local transportation officials have decorated the city on bicycle lanes and improved pedestrian crossings and traffic lights. Now they are studying the speed limit.
Like most cities, the default speed limit in Washington, D.C. is 25 miles per hour, but under its “Zero Vision” plan, the plan aims to eliminate traffic accident deaths by 2024. Sometimes speed limits in certain areas may be reduced. To 15. The Washington Post reported recently.
“Neighbors Slow Zone” will be near schools, parks, senior centers and youth centers. The current thinking is that the speed limit in these areas will be reduced from 7 am to 11 pm to 15 mph
City officials said the lower speed limit and increased traffic enforcement targets for speeding are because these are the main causes of traffic deaths. All other things being equal, the speed determines the result of the pedestrian collision. The victim has a chance of surviving at a speed of 20 mph. They may die or suffer devastating injuries when they are forty years old.
City officials pointed out that the target area not only has a lot of people, but there are also many children and elderly people who are the most common victims of pedestrian traffic accidents.
The number of deaths in traffic accidents in Washington, D.C. is not high-it was only 28 last year-but it is not too big, only 68 square miles, with heavy traffic, and many impatient commuters travel to and from the suburbs of Maryland and the capital area of ​​Virginia.
Washington is not the only city actively realizing the “Vision Zero”. The city originated in Switzerland. After New York Mayor Bill de Blasio took office, New York City became the first major city in the United States to adopt the city, even in remote suburban cities like San Antonio. Have joined the city.
A recent article in Management magazine reported that San Antonio adopted the procedure after recording the deaths of 373 pedestrians over a decade. Shirley Gonzalez (Shirley Gonzalez) successfully ran for the city council on the “Vision Zero” platform and stated that she will implement a transportation policy, “Pedestrians must be the first priority, followed by cycling, public transportation and Private car.”
Advocates of self-driving cars assure us that self-driving cars will be the answer to death in traffic accidents, but advocates of “Zero Vision” say that improved street design and slower speeds can save a lot of lives without costly and complicated Autonomous vehicle technology.
Open and honest communication can increase trust, and trust is an essential part of a healthy relationship-but if you or your important others cross the boundaries of social media, the rock-solid trust you strive to build may collapse.
Although you may think that “associating” with old friends on Facebook is innocent enough, social media researcher Joyce Baptist said that this could destroy a relationship.
Baptiste, associate professor of marriage and family therapy at Kansas State University, said: “When social media is used to stay in touch throughout the day or respect your partner’s accomplishments, they can enhance relationships, but there are some pitfalls that can avoid the destruction of relationships. “the University.
The Baptist Church says that it is important to ensure that you and your partner are on the same page on social media. Lack of consensus on boundaries on social media can damage relationships, but having clear boundaries between acceptable and unacceptable can help maintain trust.
To understand how social media affects relationships, the Baptist Church studied nearly 7,000 couples who use social media. Her research shows that although some people accept the fact that their partner interacts with Lao Huo or flirts with other people online, they are not always happy about it.
The Baptist Church said: “Although they may say,’I believe you, it’s okay,’ they are not happy about it.” “The other party they ultimately think is important is spending too much time with other parties on social media Instead of focusing on your partner.”
Baptist said that such a situation can damage the satisfaction of relationships and interfere with the level of care people get from their partners. However, simple conversations about the boundaries of social media can help protect relationships from these situations.
In addition to sharing what you are willing to tolerate, the Baptist Church recommends that you share what you like. Reaching an agreement on social media boundaries can establish a safe and satisfying relationship.
“When you meet old love or other attractive people on social media, the question to ask is: will communicating with other people strengthen my relationship or harm my relationship?” she said. “Just because you see your high school girlfriend or boyfriend on Facebook does not mean you need to “make friends” with them.”
Baptist said that using social media to re-enter another important person in your life may be a bit slippery, because people may tend to talk to their ex-partners during the low point of their current relationship.
But the ebb and flow of the relationship is normal, and a low point does not necessarily mean that your relationship is doomed to fail. But the Baptist will say that rekindling the old flame may actually destroy your relationship.
On Valentine’s Day, consider the following questions: In order for a relationship to function properly, many things must be done correctly. Political compatibility is increasingly one of them.
A report by Creditcards.com shows that nearly 12 million consumers have hidden their credit cards or bank accounts from their spouses. We will leave it to you to imagine why they do this.
But what is interesting is the breakdown of age demographics. The older you are, the more likely you are to have a secret account. Baby boomers are four times more likely to hide accounts than millennials.
Matt Schulz, a senior industry analyst at CreditCards.com, said that keeping secrets in a relationship is not a trivial matter, nor is it a good idea.
He said: “Like any reckless behavior, small money tends to accumulate.” Spending $25 without consulting your partner seems to be accidental, but when these purchases become more frequent or the amount increases, it can be serious Destroy your account and budget. ”
Financial fraud is not always related to marriage fraud. It seems that many people only want to be able to buy what they need without seeking approval from their partners. Usually, these are big deals.
The report found that approximately 28% of consumers with secret accounts sometimes spend $500 or more on secret purchases. Similarly, age is an important factor. Baby boomers are more likely than millennials to make large amounts of secret consumption.
Could it be that the longer people spend together, the less they care about what each other does with money? Creditcards.com has found a surprising number of married people who say they don’t need to know what their partners are spending. Not surprisingly, the more money you make, the more likely you are to hold this attitude.
The relationship adviser warned that if secret spending is a well-known act of “financial infidelity,” the cause may be a lack of trust. They say that when a spouse is afraid to tell each other how much debt they have accumulated, problems quickly arise.
Personal finance blogger Dave Ramsey (Dave Ramsey) wrote that “financial infidelity” can involve a wide range of spending issues. Fundamentally, he pointed out two problems-one related to the financial life of the couple and the other related to their relationship.
Sears and Kmart are the latest retailers to abandon Trump-branded merchandise and say they are part of an effort to commit to the most profitable merchandise. The joint-venture retailer said 31 Trump House products have been removed from its product lineup.
The decision was made after Nordstrom and Neiman Marcus gave up the clothing line of their first daughter Ivanka Trump last week. President Trump expressed indignation and said on Twitter that Nordstrom had treated his daughter unfairly, but Nordstrom said the decision was not political.
Nordstrom said: “We have always said that we will make purchasing decisions based on performance.” “In this case, based on the brand’s performance, we decided not to buy it this season.”
A report from the Wall Street Journal on Saturday confirmed that sales of Nordstrom’s Ivanka Trump brand had fallen sharply before retailers stopped selling. Based on Nordstrom’s internal data, the report found that sales of Ivanka Trump’s clothing and shoes fell by more than 70% in the second, third and fourth weeks of October compared with the same period last year.
According to Reuters, spokesperson Brian Hanover said in a statement: “As part of the company’s plan to optimize online product classification, we will continue to optimize the classification to focus on our most profitable products.”
According to the website’s website, the Trump House series includes furniture, bedding and lighting equipment, usually from manufacturers that provide products for Trump hotels.
When ConsumerAffairs reports gasoline prices, we always use regular gasoline prices as a benchmark because it is assumed to be the fuel grade that most consumers buy.
However, more and more consumers are using more expensive premium gasoline, not because they want it, but because the engine in the car needs it.
Patrick DeHaan, a senior analyst at GasBuddy, produced a chart showing that the proportion of new cars on the road that require premiums is rising. His chart shows that this now accounts for less than half of all new car sales.
These cars are equipped with high-performance engines-turbocharging and supercharging. DeHaan said that the reason these engines are entering so many new cars is the government’s CAFE standard, which increases the average mileage per gallon that the fleet must reach.
DeHaan told ConsumerAffairs: “This is easy to solve because more octane can bring you more electricity.” “Manufacturers are forced to do this.”
DeHaan believes that raising the CAFE standard is a good move for the government because it forces automakers to work harder to improve fuel efficiency. Consumers benefit. He said that in the past 50 years, automakers have not invested a lot of money in research and development.
DeHaan said: “We are using these modernized cars, but things on the hood have not changed a lot. “We have cylinders and pistons, and now, according to CAFE standards, you will force manufacturers to enter the drawing stage, and They get twice the result with half the effort. ”
These turbocharged engines are smaller and consume less fuel. But they produce the same or higher power than large engines that consume more fuel. DeHaan said, this is why we see more. Consumers did not notice the difference, except at the air pump.
Drivers of high-performance cars may not have to refuel often, but if they do, the price will be higher. The cost of high-quality fuel is higher than that of conventional fuel.
DeHaan said: “You have seen a huge difference between the prices of regular fuels and premium fuels, especially in certain areas of the country.”
In California, the difference is not much, only 25 cents per gallon. But the price gap in the central and western regions is widening.
De Han said: “In Chicago, it is common to find that a gallon of gasoline is one dollar higher than the normal price.” “You have seen some gas stations with a premium of $3.99 per gallon. If the price of gasoline in Chicago is like that. Every spring, it will rise by 25 to 50 cents per gallon, which will place many gas stations in downtown Chicago, and the premium will exceed $4 per gallon, or even close to $5.”
According to the AAA fuel gauge survey, the average price of regular gasoline nationwide is about $2.28 per gallon. But the average price of the premium was $2.79, an increase of 51 cents. This is 28 cents per gallon higher than the average price of diesel.
DeHaan said that the most important thing is that consumers buying new cars must pay attention to the engine under the hood. If it is a high-performance engine that requires excellent service, the cost of keeping it running may be much higher than you think.
PetSmart has voluntarily recalled a production batch of its Groreat Choice adult canned dog food, after the manufacturer informed the company of consumer complaints about metal fragments, which may pose a choking hazard to pets.
The product is sold nationwide in PetSmart retail stores and sold online on PetSmart.com, Pet360.com and PetFoodDirect.com.
The dog food was sold between October 10, 2016 and February 7, 2017, and its “best shelf life” is 8/5/19, which can be found at the bottom of the can. You can see more information below, including the full product name, batch number and Universal Product Code (UPC):
It is recommended that customers who have purchased the recalled food stop feeding it to their pets and take the remaining cans to the PetSmart store for a full refund or exchange.
PetSmart said that no other “Great Choice” brands have been affected by the recall, and no illness or injury has been reported.
For more information, consumers can call PetSmart Customer Service at 1-888-839-9638 between 7 am and 10 pm CST.
Due to possible contamination with Listeria monocytogenes, two Taylor Farms factories in Dallas, Texas and Tracy, California are recalling approximately 6,630 pounds of chicken and pork salad products.
The organism can be fatal to young children, the elderly, or consumers with weak or compromised immune systems. Even healthy consumers can be negatively affected by symptoms such as high fever, severe headache, stiffness, nausea, abdominal pain and diarrhea. Pregnant women are also at great risk because contamination can cause miscarriage or stillbirth.
The affected products were packaged from February 6 to 9, 2017 and shipped to distribution centers in Los Angeles and Tracy, California. Portland, Oregon; Houston, Roanoke, and San Antonio, Texas. They include:
Each product is marked with the establishment number M/P-34013 or M/P-34733 in the USDA inspection mark.
The contamination was discovered on February 10, 2017 by Sargento Foods Inc., which provided cheese products for the establishment of Taylor Farms. The Food Safety and Inspection Service (FSIS) of the U.S. Department of Agriculture believes that consumers may still keep the affected products in the refrigerator.
The agency urges consumers who own these products not to consume them. Instead, the product should be discarded or returned to the place of purchase.
Consumers who have questions about the M/P-34013 recall can call (510) 378-3132 to contact the National Accounts Manager Vince Ramos. For more information on the M/P-34733 recall, please contact Mark Clement at (214) 565-4848.
Meijer has announced the recall of its Meijer brand of Colby cheese and Colby Jack cheese. The company reports that products sold only through its deli may be contaminated with Listeria.
This organism can be fatal to young children, the elderly, or consumers with weak or compromised immune systems. However, even healthy consumers can experience symptoms such as fever, severe headache, stiffness, nausea, abdominal pain and diarrhea. Infected pregnant women may have miscarriage or stillbirth.
The two cheese products were sold in the Meijer store between November 10, 2016 and February 9, 2017. So far, no known diseases have been reported, but Meijer began the recall after its manufacturer determined evidence of possible Listeria monocytogenes contamination.
The recalled products can be identified by the Universal Product Code (UPC) printed on the label on the plastic deli packaging. The code of the recalled product starts with 215927 or 215938, and the last six digits depend on the weight of the deli order.
Consumers are urged to stop using any affected products and discard or return them to the customer service desk of Meijer stores for a full refund.
During the last voyage to the Caribbean, it soon became obvious how miserable our preparations for a beach holiday were. Knowing that there will be a tote bag in the cabin of the cruise company, we left the spacious and light beach bag at home, which is something we miss very much throughout the journey. My fancy beach was not covered enough, my hat blew off and landed in the sea. By the time I caught it, it had already rolled over the waves, and there was sand everywhere.
I feel underprepared every day of the holiday, which is fun, so this is what I will do on my next beach holiday.
For large tote bags, choose a lightweight, spacious and packable tote bag. It’s great if you have a pocket, but if you don’t have a pocket, please bring a lightweight zipper bag to organize your luggage.
Towels Search for packable beach towels, and you will find high-absorbency and quick-drying towels at shops and websites that provide entertainment. Look for products that are durable and machine washable; some are not even sandy.
Sunscreen Sunscreen is sold on most beaches, but you have to pack it yourself to ensure you get the brand and SPF you need. Make sure to carry enough unopened bottles and double-pack them in a safe plastic bag to prevent them from leaking.
Choose cheap and comfortable beachwear for beachwear, because it will take a hit. Wear light, long-sleeved clothes on the beach and wear them in the water for added protection.
After losing the hat, I realized how important it is to bring two foldable hats. Don’t spend a lot of money on beach hats because they get dirty easily. Look for a strap to wear it on your head, don’t worry about your clumsy look-a tanned face is even stranger.
There are many kinds of waterproof beach shoes. Wear a pair that is comfortable and easy to clean on the beach, and protect your feet when you wear shoes on the beach.
Beach towel clip I thought it was stupid, until I saw a lot of swimmers wearing tight towels sitting on the ground, and I slipped. You can get cheap packages of eight to twelve bright colors, or splurge, and then buy a pair of flamingos, sea ry and nimo, parrots or cute flip flops.
Waterproof device to protect valuables. Nothing can ruin the vacation faster than throwing away valuables. First, bring only the essentials to the beach, such as mobile phones, credit cards, ID cards and some cash. Determine how you want to store valuables. There are waterproof devices that can be hung on the neck, and others can be hung on the waist. Search for “waterproof protection of valuables” to see your choices.
Water You don’t know which facility you will use, but fresh water is essential. Everyone who goes to the beach brings at least one bottle.
The hand sanitizer meter in the travel package will help you feel clean and refreshed. Beach players should also throw travel paper towels.
These are just the basics. Add other items to make you feel comfortable when sunbathing.
Backpage.com, a classified advertising site, has a new problem. The site was sued by two non-profit women and children’s shelters, claiming that the site’s owner knew it.
According to the Los Angeles Times, a former employee of Carl and a current employee have filed a lawsuit against the parent company of the chain company Carl Carlcher Enterprises Limited (CKE), accusing the company of wage suppression and improper business practices .
The two claimed that CKE and its franchisees colluded with each other to prohibit employees in management positions from transferring between restaurants. They said the move effectively prevented workers trying to raise their wages from any attempts to threaten to work at another franchise.
“If I can’t threaten my employer to go elsewhere and use my unique skills… and go to another Carl’s small restaurant with me-then I cannot ask for such a high salary. We have no proof to support this constraint. Reasons for competition. The only reason we can determine is to actively reduce labor costs to save costs.” Plaintiff’s lawyer Nina DiSalvo said.
Although the lawsuit itself is problematic for CKE and Karl Jr., for CEO Andy Puzder (Andy Puzder), the consequences could be worse. Puzder, who has long touted the advantages of free market capitalism, has been nominated by President Trump as Secretary of Labor.
Unfortunately for Puzder, this is not the first time he has criticized his business practices. Democrats emphasized the CEO’s opposition to raising the minimum wage to $15 an hour. Past accusations have claimed that CKE’s restaurants violated labor laws.
The plaintiffs in the current lawsuit, Luis Bautista and Margarita Guerrero, provided the basis for these criticisms. They claim that due to the franchisee’s non-employment policy, their wages have been reduced and they have to work under “brutal” conditions. They said that CKE’s policy set franchisees to compete with each other, but subsequently restricted the movement of workers between different locations.
CKE and Puzder cannot do it at the same time. They cannot evade the responsibilities stipulated by labor and employment laws by accepting a free market model composed of independent and competing franchisees, while at the same time restricting free competition, damaging the thousands of workers employed by CKE and its franchisees. .
Puzid’s legal defense pointed out that the new lawsuit was nothing more than an intentional, untimely shooting, and was intended to incite malice before the CEO Senate confirmed the hearing.
The executive vice president of CKE said: “Although we will not comment on the details of any pending litigation, the timing of this baseless lawsuit is clearly to derail the nomination of Andy Puzder. Although it’s trivial.” And general counsel Charles A. Siegel III.
Puzder’s confirmation hearings have been postponed four times, but they are currently scheduled for February 16.
This sounds like a huge investment: wine futures-an opportunity to buy tomorrow’s best wine at today’s price. But, as any experienced investor will tell you, even real futures are tricky.
According to the FBI, the trouble with wine futures sold by Premier Cru in San Francisco is that they are fictitious. The FBI recently concluded its investigation of John E. Fox and his wine business.
Fox pleaded guilty and was sentenced to 78 months in prison in a federal prison in December 2016. His “investors” didn’t even have a cork to bargain.
It all started in 1980, when Fox opened a store. Ten years later, when funds were short, he proposed the hypothetical idea of ​​selling “pre-paid” wines, pretending that customers did get ultra-low bargains-top wines that matured within a few years. price.
Those who are eager for buyers will spend $100 on a bottle of wine today. It is said that in a few years it will be produced by a proprietary vineyard, and the value at that time will be far more than $100.
But FBI investigators said that Fox only used the proceeds to repay former customers, and the rest was spent on Ferrari, Maserati, private golf club memberships and other luxury goods.
“He had a very profitable plan once,” said agent Scott Medearis of the San Francisco branch of the FBI investigating the case. “Although, like all Ponzi schemes, it is doomed to fail. But this was not before his victims had almost lost everything.”
Medearis said: “His customers think they are getting wine futures, a lot of fancy wines.” Fox is smart and chooses certain wines because he knows they will sell well. “He considered what to provide,” Medearis explained. “Not the rarest wine, because savvy customers will know that there are not so many wines.”
Between 2010 and 2015, the FBI sold Phantom Wine worth approximately US$20 million. Soon after, he declared bankruptcy, leaving approximately 9,000 people inactive.
In December 2016, a federal judge sentenced Fox to 78 months in prison for wire fraud. Mediaris was satisfied with the realization of justice, although he understood that many of Fox’s victims were frustrated and betrayed.
He said: “A victim in Hong Kong lost $1 million.” “Another victim invested part of his pension and lost it. A father just wanted to give a bottle to his daughter’s wedding. Wine, of course this did not happen.”
Children are not known for their ability to incite romance. Conversely, parents with insufficient sleep and young children may find this idea.
What is the safest car you can buy? The answer of course depends on what kind of car you are talking about-compact.
The latest report from the personal finance website Bankrate.com shows that this year, about 16 million American adults think they are “very likely” to buy a home. Another 20 million people said that they are “very likely” to achieve a leap in home ownership in 2017.
But given the current state of US housing inventory, Americans may be too optimistic about homeowners. The National Association of Realtors (NAR) estimates that the total new home sales in 2016 was about 6 million. By the end of 2016, NAR pointed out that the total housing inventory was at its lowest level since 1999.
Millennials and Generation X are the generations most eager to buy a new house in 2017. However, financial constraints and housing supply may become obstacles to buying a house, especially for millennials.
Holden Lewis, a senior mortgage analyst at Bankrate, said: “Among millennials, there is a lot of pent-up demand for home purchases.” “Due to stagnant wages, student loans and a lack of available entry housing, they are in trouble. If there are enough affordable housing in the market, we may see a large number of first-time buyers in the early 1930s to the mid-1930s.”
Financial issues can also make the home purchase journey for parents with children under 18 more daunting.
Parents with children say they are three times more likely to buy a new house this year than non-parents, but the cost of owning a house may hinder this goal.
High mortgage loans may affect the financial situation of the family and put parents at risk of becoming poor. In life when saving money is important, having a comfortable mortgage is often crucial.
Lewis said: “Giving birth and raising a family is one of the main reasons why Americans leapfrog home ownership-many people think it is a key part of the American dream.” He added that families need to be aware of all the costs of buying a house. house.
The report said that half of the parents who own the house are trying to save money for the future. However, despite the possible financial obstacles, parents do not seem to lack the desire to own a house. Only 18% of parents said they don’t want to own a house now, compared to 42% of non-parents.
For financially strangled parents who may be wary of mortgage payments, an expert suggested that mortgage loans be considered a form of savings.
Jim Sahnger, a Mortgage Planner at Schaffer Mortgage in Palm Beach Gardens, Florida, said: “If you look at it from the perspective of building assets, it’s obviously important.” He added that home ownership can also save you from rising rents and may even bring Tax incentives.
Sorry, there is no excuse for deforming the body. If you can go up the stairs, then you can exercise.
Researchers at McMaster University say that a brief but violent climb of stairs will bring many positive benefits to your heart, whether at home or in the office. You don’t have to go to the gym or have expensive equipment at home.
Martin Gibala, a McMaster Professor of Kinesiology and the lead author of the study, said: “Stair climbing is an exercise that anyone can do at home, after get off work, or at lunchtime.” “This research makes experimentation possible.” Outdoor interval training is possible and everyone can use it.”
Recent studies have found that during moderate-intensity exercise, short but intense intervals between vigorous exercise may be very effective. Research has also shown that climbing stairs for long periods of time (up to 70 minutes per week) is also helpful.
But what about short-term vigorous exercise? This is the so-called sprint internal training (SIT)? Is this any good? Scientists at McMaster decided to find out.
They recruited 31 sedentary but unhealthy women and tested the effects of two different methods. Both require an extension of 10 minutes a day.
Half of the women spend 10 minutes on an exercise bike, which has been proven to improve fitness. The second group performed vigorously climbing stairs, but only for 20 seconds at a time.
Participants then quickly climbed up and down a flight of stairs for 60 seconds, which the researchers said was easy to accomplish at home. Researchers have found that climbing stairs is as beneficial as riding a bicycle.
Gibala said: “Interval training provides a convenient way to adapt exercise to life without having to build life around exercise.”
Fitness enthusiasts have long known the benefits of climbing stairs. Sports coaches usually make their athletes run back and forth on the steps of stadiums and arenas during physical exercise.
The new fact is that if you work actively, you don’t need to take many steps to reap the benefits.
There is even a website that specializes in sports climbing stairs, StepJockey.com, which says that only two minutes of climbing stairs a day is enough to prevent middle-aged weight gain.
Many American consumers might imagine a typical, mature relationship in which two married adults own a house and live in harmony. But a new study suggests that older people who have previously divorced may be forming a new global trend.
Researchers from the University of Missouri say that some older couples are choosing to abandon their typical lifestyle in order to achieve easier arrangements. They say that unlike divorced people, they say that divorced couples choose to keep a separate house, which is called “living apart” (LAT).
For a long time, people’s understanding of later relationships is mainly based on long-term marriage. Now, more divorced and widowed adults are interested in establishing new intimacy beyond the boundaries of marriage. “Researcher Jaquelyn Benson said.
Although LAT relationships are more generally accepted in Europe than in the United States, the researchers point out that the system has some advantages. In their study, the researchers found that LAT couples tend to be more self-reliant – they tend to be more economically and socially independent than couples in traditional relationships.
However, there are some shortcomings regarding the LAT relationship. In expressing the nature of their relationship with others, LAT couples are more troublesome than traditional couples. Many people point out that the term “boyfriend” or “girlfriend” is not enough. In addition, LAT couples have trouble deciding how to care for their children or making “family” decisions.
“Although we are learning more about the LAT relationship, further research is needed to determine how the LAT relationship is related to issues such as health care and nursing. Discussions about retirement plans and care can easily lead to discussion; however, LAT couples should Prioritize the conversation between the spouse and the family,” Benson said.
“Many of us waited until the crisis to resolve these issues, but in a situation like LAT, where there are no socially prescribed codes of conduct, these conversations may be more important than ever.
Benson said that while some people may think that negative factors outweigh positive factors, LAT relationships may be perfect for elderly couples who have experienced divorce before.
“Recent research shows that there are other ways to build long-lasting, high-quality relationships without having to commit to marriage or living together… If more people (regardless of age, married or not) consider LAT as a This choice may save them a lot of pain in the future.” She said.
Florida has once again cooperated with the Federal Trade Commission (FTC) to remove several Florida companies. Officials said the two companies are conducting debt relief scams.
Florida Attorney General Pam Bondi said that the Federal Court has approved the consent decision, which addresses debt relief companies’ promises to exploit lower credit card payments and large savings to exploit debt-laden consumers. Allegations.
Bondi said that in the process, the company charged upfront fees, but never provided these services or provided refunds. In other words, she said it was a complete scam. As a result, she said, affected consumers fell into greater debt.
Bondi said: “Debt relief scams are aimed at people who are trying to pay their bills and get out of debt. These types of scams hinder their efforts and make victims have to do the right thing and owe more money than they did when they asked for help. need more.”
Bondi said that these companies cooperated with payment processors and established more than twenty shell merchants to process credit card payments for this operation. She said that the defendant was suspected of creating these fake companies. Their purpose is to rob nearly 12 million dollars from consumers.
Bondi said that the defendants bound by the consent form were Steven D. Short and his wife Karissa L. Dyar, EM Systems and Services Co., Ltd., Administration and Design Co., Ltd., Experience Data Group Technology Co., Ltd., Epiphany Management System Co., Ltd. and KLS Industries. A limited liability company, which conducts business under the name of “Satisfying Service Solutions Limited Liability Company”.
According to the terms of the settlement, the telemarketing company allegedly participating in the business was also permanently banned from all future telemarketing activities.
This is the second time in recent weeks that the Florida Attorney General and the Federal Trade Commission have reached a settlement with a company allegedly engaged in illegal debt relief.
In late January, the State of Florida and the Federal Trade Commission reached a settlement with the operators of a number of debt clearing companies and settled the 2016 lawsuit.
The state and federal governments have joined forces to sue Joan Valdes and the companies it controls Consumer Assistance LLC, Consumer Assistance Project Corp. and Palermo Global LLC.
These allegations specifically accuse the company of targeting consumers with student loan debt and illegal debt relief.
Millions of Americans take dietary supplements for various reasons. Although there is much debate about the practicality of these products, but consumption.
In recent years, housing affordability has become an issue, especially in California. The state is home to some of the most expensive housing markets in the United States.
So the good news is that the California Association of Realtors (CAR) found that housing affordability in the state has actually improved.
Group points increase salaries and seasonal price drops to improve the market. The report said that in the fourth quarter, the proportion of potential buyers who are now able to purchase mid-priced existing single-family homes in California was 31%, the same as the third quarter.
Income is a key component of housing affordability. In California, buyers need an annual income of at least $100,800 to afford a $511,360 home. Believe it or not, this is the median house price in California today.
Assuming that the buyer can pay a 20% down payment and obtain a mortgage of no more than 3.91%, the monthly repayment amount is $2,520, which includes taxes and insurance for a 30-year fixed-rate loan. .
Compared with the fourth quarter of 2015, housing affordability has improved in the most recent quarter. The affordability of apartments and townhouses was also flat compared to the previous quarter.
Of course, for some markets in California, affordability is better than others. The Central African Republic’s report shows that eight counties (Contra Costa, Marin, Napa, Los Angeles, Ventura, Monterey, Santa Barbara, and Madrid) The affordability of Madera has improved.
Ten counties-San Francisco, Sonoma, Orange County, Riverside, San Bernardino, Santa Cruz, Cohen, Kings, Merced and San Joaquin-the scope of home purchase has been further expanded.
Alameda, San Mateo, Santa Clara, Sorano, San Diego, San Luis Obispo, Fresno, Placer, Sacramento, Stanislaus and Tulare are both affordable in the 11 counties No improvement or deterioration.
Kings, Cohen, San Bernardino and Fresno counties were the most affordable counties in the fourth quarter of last year. San Francisco, San Mateo and Santa Cruz are the cheapest.
The National Association of Home Builders (NAHB) reported that its 55+ Housing Market Index (HMI) jumped 8 points to 67 in the last three months of 2016. This is the highest level since the index was launched in 2008.
Dennis Cunningham, Chairman of the NAHB 55+ Housing Industry Committee, said: “The significant increase in index readings is partly attributable to the post-election boost, as many builders and developers have been affected by President Trump’s reduction of negative burdens. Encouraged by the promise of onerous regulations. Affect small businesses.”
Cunningham said that builders and developers in this market area are also encouraged by this fact, because in the next 15 years, 10,000 baby boomers will turn 65 every day. He added: “The continuing pressure for this age group is the desire to downsize from the big house, move to other parts of the United States, or just find a new house or community, which also plays a key role in the exponential movement,” he added. .
Two of the more than 55 housing markets have more than 55 HMIs: single-family houses and multi-family apartments.
Every more than 55 HMIs will measure the sentiment of the builders based on a survey that asks the current sales volume in the market, the transaction volume of potential buyers, and the six-month expected sales situation is good, fair or bad (transaction volume High, average or low).
All three index components of 55+ single-family HMI are high. Current sales and expected sales for the next six months both hit new index highs, increasing by 11 points to 74 points and 10 points to 75 points, respectively, while potential buyer transactions increased by 2 points to 49 points.
However, the HMI of multi-family apartments with more than 55 units dropped by 2 points to 46. The index component of current sales dropped by 1 point to 50. Sales in the next six months are expected to increase by 1 point to 52, and the flow of potential buyers dropped by 3 points to 35.
All four indices that track rental production and demand for multiple households with more than 55 households increased in the fourth quarter. The current output has increased by 6 points, and the expected future output has increased by 11 points. Both current demand for existing equipment and future demand have reached new exponential highs-jumping 12 points to 71 points and 17 points to 76 points, respectively.
NAHB Chief Economist Robert Dietz said: “The strong performance of the 55+ HMI at the end of 2016 is in line with the recent growth in broad indicators of the real estate market, including new home sales and NAHB/Wells Fargo HMI.” “Although Builders in many places will still face challenges in finding sufficient labor and location inputs, but we expect the 55+ market to continue to grow in 2017.”
Ruth’s Salads of Charlotte, North Carolina is expanding the early recall of Ruth’s Salads Pimento cheese sauce packaged in Chester, South Carolina
The following products are packaged in plastic containers and labeled “B&H Packaging; Food Company, Chester, South Carolina” are recalled:
The recalled products were distributed in grocery stores in parts of North Carolina, South Carolina, Georgia, Tennessee, Alabama, Kentucky, and parts of Virginia and Tennessee.
Customers who have purchased the recalled product should return it to the place of purchase for a full refund.
Consumers in doubt can call the company at 800-532-0409 between 7 am and 3 pm Monday to Friday. Consumers may leave a message after get off work and call back as soon as possible.
BMW North America recalled four 2016-2017 X1 xDrive28i and X1 sDrive28i vehicles.
In the event of a collision, the dashboard of the vehicle may not allow the front passenger airbag to deploy correctly, increasing the risk of injury.
BMW will notify car owners and dealers will replace the dashboard for free. The manufacturer has not yet provided a notification schedule.
Now is the time for financial services companies to put aside their paid attack dogs, and they continue to fight the Department of Labor’s “trusted” rules, which will require financial advisors who sell IRAs, annuities and other investment products for the best interests of customers and consumer groups Act. debate.
Those who oppose the rule have decisively lost three court challenges, the most recent one being earlier this week, but they continue to contend through lobbying, legal challenges and other means they can dream of.
Consumer groups stated that the anti-investor movement has gone far enough. Today, in a letter they asked the board members of the financial industry trade group to speak to themselves and restrain the efforts of lobbyists. They pointed out that most financial services companies have implemented the rules in depth, and the process is designed to protect consumers who trust retirement savings to so-called “financial advisers,” who are usually just glorious insurance salesmen.
It is especially important to clean up the abuse of financial advisors, because defined pensions, group medical plans and other “safety nets” are shattered, and the responsibility for retirement, healthcare and other basic elements is transferred to individual consumers, and these consumers are often Talk loudly. Expense mutual funds, inappropriate annuities and questionable products such as long-term care policies.
For some time, people have realized that financial advisors need higher ethical standards. Indeed, as the consumer community has said, most major financial services companies-including stockbrokers-distributors, certified financial advisors and insurance companies-have implemented the rules and spent millions of dollars to modify their businesses.
Trade newsletter InvestmentNews recently quoted Andy Sieg, the head of Merrill Lynch’s wealth management department, who said Merrill Lynch will continue to implement “higher standards of care”, especially in terms of retirement accounts, regardless of the Department of Labor’s How to stipulate.
The Sieg memo quoted in the newsletter said: “This is in line with our overall strategic direction and the requirements of our customers.” “Based on what has been announced, we may need to adjust the timetable for certain announced operational changes to ensure an orderly transition and Good customer experience.”
According to Investment News, a memo distributed by Wells-Fargo Advisors said roughly the same. He said that even if the current rules derail, the fiduciary rules may eventually be implemented.
Morgan Stanley spokeswoman Christine Jockle said in an email: “We will continue to implement many initiatives to reflect our commitment to improving the standards of care we provide to retired and non-retired clients. Continuous commitment.”
The rule only requires financial advisers to put the interests of their clients first, not their own profits. This is what responsible brokers and advisers have done. According to the American Consumer Federation (CFA), American Financial Reformers (AFR) and AFL-CIO, it is time for responsible companies to step up and announce their willingness to adopt the requirements of the rule.
“We believe that the public needs to know the status of individual companies. Those who oppose the rule hide behind their trade associations, which file lawsuits, push legislation and disrupt regulatory procedures to delay and cancel the rule.” The letter claimed, “Companies that support the trust standards of trust investment proposals should not be passive. Bystanders of the trade association’s anti-investor activities.”
This letter has been sent to the board members of the Securities Industry and Financial Markets Association (SIFMA), the American Council of Life Insurance Industry (ACLI) and the Financial Services Institute (FSI). All three groups are parties to a lawsuit that was completely defeated in Texas earlier this week.
In addition to legal challenges and congressional lobbying activities, Wall Street interest groups also filed a lawsuit against President Trump. President Trump ordered the Department of Labor to review the rule, which may eventually be weakened or abolished.
CFA, AFR and AFL-CIO warned in the letter: “If successful, this anti-investment campaign will deny the reduced costs and improved quality of consultation that retirement savers urgently need and reasonably expect. In short, it will retain one A system that enables companies to put their own profits before the best interests of customers and has costly and harmful consequences for the income security of American retirees.”
The compliance date for the DOL regulations is early April, filling loopholes that allow brokers and insurance brokers to provide retirement investment advice without having to comply with the “best interest” standards required by the trust. It requires companies to eliminate compensation practices that encourage and reward investment proposals that are not in the client’s best interests.
Consumers who are trying to invest in retirement and financial security, regardless of changes in fiduciary rules, should only deal with consultants of certified financial planners. This title indicates that they have received comprehensive professional training and adhere to strict ethical standards .
The CFP Board of Directors has an advisor search function on its website, as well as a directory of certified planners and other investor information. It is a good idea to meet with multiple consultants and compare their suggestions.
Nowadays, many investors are turning to automatic investment advice, which may not be a good idea for novices. However, there are large and respected non-profit organizations like TIAA that provide online financial advice and other financial services, including cheap (and in some cases free) checking accounts.
Consumers should also remember that every investment has risks, returns are uncertain, diversification is essential, and it is important to start investing as early as possible so that returns have time to grow over time.
Trade is the main issue for Donald Trump to win the November presidential election. He said that the trade agreement puts the United States at a serious disadvantage.
People with significant financial interests wanted to kill it, the Trump administration wanted to shelve it, but a federal judge in Dallas upheld the Labor Department’s trust rules, which would require investment advisers to act in the best interests of their clients, rather than simply Selling them is the most profitable or expedient.
In an 81-page ruling, Chief Judge Barbara MG Lynn of the Northern District of Texas issued a summary judgment to the Department of Labor, rejecting all major claims raised by financial interest groups including the American Chamber of Commerce, the securities industry and the United States. argument. Financial Market Association, Financial Services Institute, Financial Services Roundtable and Insured Retirement Institute.
President Trump, who has been steadily reducing consumer protection measures, has ordered the Department of Labor to re-examine the rule, which may eventually lead to its revision or withdrawal, but this has nothing to do with the Dallas litigation process.
In terms of financial interests, they said they were disappointed with the court’s ruling, but they hope Trump can resolve it for them.
“This ruling is disappointing, but it has nothing to do with President Trump’s decision to review the trust rules. Both Democrats and Republicans are right about the destructive effects that trust rules may have on the poor and middle class’s access to investment options and recommendations. Savers.” said John Berrow, a senior researcher at the Competitive Enterprise Institute, a liberal think tank in Washington.
The Department of Justice had requested the suspension of the Dallas proceedings, but Judge Lynn refused the motion only a few hours after the motion was filed.
Judge Lynn said in the ruling that the Department of Labor did not exceed its authority when promulgating the statute and said it was not “arbitrary or capricious” as claimed by the financial services industry.
A new study found that frequent yelling, beating, or threatening children with physical consequences may negatively affect their behavior in school.
Last week, President Trump met at the White House with company executives who were invited to advise him on business and economic affairs.
Companies from the United States and abroad are increasingly choosing to increase domestic manufacturing efforts and create more positions to meet the president’s requirements.
Customer value can often change the way a company operates, and no one knows this better than ALDI. Last year, grocery store chains began to provide catering services.
Data from the Centers for Medicare and Medicaid Services (CMS) show that despite heart disease, millions of elderly people are still taking too many powerful and addictive drugs.
A federal judge has blocked the National Anthem’s $54 billion acquisition of rival insurance company Cigna Corp., saying it will greatly reduce competition. The ruling is a response to a challenge presented by the U.S. Department of Justice, 11 states and the District of Columbia.
Acting Attorney General Brent Snyder of the Department of Justice’s Antitrust Department said Wednesday night: “Today’s decision is a victory for American consumers.” “This merger will stifle competition by improving health insurance. Prices and slowing down innovations aimed at reducing healthcare costs harm consumers.”
The US District Court Judge Amy Berman Jackson’s ruling concluded that Anthem’s acquisition of Cigna would violate federal antitrust laws.
In blocking the merger, the court ruled that the proposed merger may significantly reduce competition and affect consumer choices in the process of selling health insurance to the “national accounts”, which have more than 5,000 employees, usually spread across at least two States, 14 states where the national anthem operates. The court order will also preserve competition in the 35 regional markets operated by the two companies.
Colorado Attorney General Cynthia Coffman said: “Health insurance competition is essentially a concern for locals.” Colorado residents, businesses, healthcare providers, and third-party payers are all concerned about ensuring healthcare. The quality, quantity and price of services have a vested interest in maintaining competitiveness. Today, we have successfully maintained this vital competition. ”
The decision follows the trial that took place from November 21, 2016 to January 3, 2017. In July 2016, the Justice Department sued 11 states and the District of Columbia to stop the merger.
Joining the Department of Justice and the District of Columbia are California, Colorado, Connecticut, Georgia, Iowa, Maine, Maryland, New Hampshire, New York, Tennessee and Virginia.
Since entering the market as an alternative to tobacco, health officials have been clashing over e-cigarettes. Delivery of nicotine.
Retail sales, excluding cars, gas stations and restaurants, are expected to be approved next year.
The National Retail Federation predicts that sales will increase by 3.7% to 4.2% compared to 2016. Online and other non-store/online sales are expected to grow by 8% to 12%.
Matthew Shay, President and CEO of NRF, said: “As we enter 2017, the economy is on a strong foundation and is expected to continue to develop the momentum that we saw at the end of last year.” “As work and income grow and debt is relatively high. Low, the fundamentals are in place, and consumers are in a dominant position.
However, he pointed out that this year is different from the past. Although consumers have strengths they never had in the past, they will still hesitate to spend money until they have more confidence in policy changes on taxes, trade, and other issues that Congress is debating.
Shay warned: “Watchmakers should pay attention to and firmly oppose any policy, regulation or regulation that will increase the cost of everyday products for American consumers.”
NRF chief economist Jack Kleinhenz believes that consumer spending prospects are good and pointed out that more work and more income will lead to more spending.
But he warned that regardless of sentiment, “the rate of wage growth and job creation determines spending. Our forecast is the benchmark for this year, but potential fiscal policy changes may affect consumers and the economy.”
According to the Department of Labor (DOL), in the week ending February 4, the number of first-time applications for national unemployment benefits fell by 12,000 to 234,000 on a seasonally adjusted basis.
The four-week moving average was 244,250, a drop of 3,750 from the previous week, and the lowest level since November 3, 1973, when it was 244,000.
GM recalled 91,007 Pontiac Winter Solstice 2006-2010 and 2007-2010 Saturn Sky vehicles. Passenger Airbag Suppression System (PPS ..
Loss of booster brake assist may extend the distance required to stop the vehicle, thereby increasing the risk of collision.
Hyundai Motor has notified car owners that dealers will replace the brake system booster assembly free of charge. The recall began on February 6, 2017.
Car owners can call Hyundai Customer Service Center at 1-800-633-5151. The number of Hyundai’s recall is 157.
The power supply cover may crack and break in the screw housing, causing the power supply cover to fall off and expose the electrical components of the power supply, thereby posing a risk of electric shock to the user.
The recall involves power supplies sold with the Gold series of electric chair lifts, Clayton Luxury-Lift (model 1HL562) and Power Lift (model 1ML562) and Luxury-Lift (model 1LF505 and 1LF819). They are also part of the old chair lift conversion kits, the models are 1LL320, 1LL508, 1LL515, 1LM320, 1LM508 and 1LM515.
The power supply enables the seat of the chair to lift the user from the sitting position. The power box is a black plastic rectangular box that measures approximately 6 inches by 3½ inches by 3½ inches.
In this recall, only LOT#150113 power supplies are included. The model name, model and batch number are printed on the back of the power supply.
From September 2015 to November 2016, the power supply was manufactured in China and sold with the chair at La-Z-Boy Furniture Galleries and independent furniture stores across the country, as well as online la-z-boy.com, at a price of 1900 Between USD and 2800 USD.
These power supplies are also sold separately at a price of approximately $170 and are provided free of charge during the warranty period as a replacement for previously purchased chairs.
Consumers should immediately stop using the power source to power the chair lift and contact La-Z-Boy to replace the power source for free.
Consumers can contact La-Z-Boy online toll free at 855-592-9087 from Monday to Friday from 9 am to 5 pm (ET) or by calling www.la-z-boy.com, and then click “Recall” Button for more information. .
The ecological documentary “Midway Island” is about to be screened in a theater near you, inviting you to take a “travel through the ocean of sorrow and a journey beyond sorrow”. Seabirds died of painful death after ingesting large amounts of plastic collected in huge eddies called vortexes. Over the years, this has prompted environmentalists to ask: “Do we have the courage to face the realities of the times?”
Before we realize this reality, I must first ask, I wonder if there is a shortage of seabirds? There must be billions of dollars on the US coastline alone. But, well…I don’t want animals to suffer. In addition, plastic fragments are also fatal to fish. So this is reality.
The claim that recycling plastic can prevent the death of seabirds is wrong. It turns out that recycling is the source of the problem, not the solution.
Garbage discarded to landfills is absolutely safe and can be buried in layers of soil. Few plastic waste can escape to landfills, thus protecting seabirds everywhere. In addition, plastic originates from the soil of fossil plants, so it is best to put it back into the soil after use.
In contrast, there are many points in the recycling process. The recyclables escape from the roadside into the environment, and then the imperfect process of transportation, handling and storage. All of these occur outdoors, because this will greatly reduce Cost, the effect of indoor processing and storage of plastic waste is not good. It’s just rubbish after all.
The wind blows away plastic waste for miles, literally…in the waterway or in the world ocean. Then there is the biggest failure in the entire recovery system. fraud.
Since there is no cost to recycle most materials (especially plastics), subsidies make every step of the country’s “green” recycling system work. Once this “green” subsidy is paid, imagine this strange recycling tycoon choosing to avoid the cost of actually recycling all the plastic he receives. Is this a leap forward? Government inspectors will not inspect. What will they check? Hundreds of tons of plastic are missing from thousands of tons? This is not to say that recyclable materials are traceable. It has no labels.
Of course, if a recycler dumps tons of plastic into the ocean from time to time, he will sell less recycled plastic. However, the subsidy is transferred to the plastic INTO recycling facility, and the remaining costs are left to the open market. At the same time, the cost of making new plastic raw materials, fossil plants (also known as petroleum) is less than ten times the actual cost of recycling waste plastics! Therefore, in his right mind, who wants to pay close to the cost of production for recycled plastic?
As long as the public sees that government officials support the recycling industry, most of us are still happy and ignorant. They believe that someone will shred millions of plastics, melt them, and make new plastic products. This must be true, because recycling is good! We believe that the result is that the amount of plastic in landfills has decreased, but the reality is that the amount of plastic in the ocean has increased.
For those who refuse to believe in fraud in the sacred recycling industry, the fact remains that nothing can escape to the landfill. Nothing, except for a few plastic bags here and there, but there is no doubt that no heavy plastic fragments were found in the dead sea bird carcasses.
And… what about the millions of birds that live in our country’s landfill? Oh yes…seabirds.
Mischa Popoff is a policy consultant for The Heartland Institute and the author of “Is it Organic? Inside the Organic Industry”.
Steve Forbes is no stranger to economics or politics. His name is related to one of America’s outstanding business publications. He seeks G…
How will the Trump Administration’s Federal Trade Commission (FTC) deal with privacy protection? A recent speech by Acting FTC Chairman Maureen Ohlhausen may provide some clues.
On February 2, Olhausen delivered a speech at a conference in Atlanta, comparing the “notification and selection method” of privacy protection with the “harm-based method” (a privacy advocate called it “heinous”) differentiate.
the difference? The “notice and choice” method generally preferred by the Obama FTC basically allows consumers to opt out of sharing certain types of information. On the other hand, the “harm-based” approach aims to protect consumers only from harmful privacy violations.
As Ohlhausen has seen, consumers are not harmed when market research companies track their movements on the Internet and use them to target advertising and conduct consumer behavior research.
She said: “The vast majority of consumer interests come from a free and honest market.” “So, our job is to solve the unfair and deceptive practices that damage the market process and harm consumers. We must avoid hindering market generation. To do so in the interests of consumers.”
However, Sophia Cope, a senior attorney for the Electronic Frontier Foundation, called the harm-based approach too cruel. He said, “This is what the company has always hoped for.”
Cope said in an email to ConsumerAffairs: “It eliminates consumers’ right to choose and no longer controls their privacy.” “Now, bureaucrats are beginning to determine that certain data practices are harmless, even if they include collecting relevant personnel and The highly sensitive information it makes on the Internet, conducts continuous online monitoring, monetizes this information for commercial benefits and shares this information with others. Many unknown parties. Consumers should get better from the Federal Trade Commission interest.”
The hazard-based approach is obviously a change from the philosophy represented by the recent FTC employee report, which warns consumers of the privacy risks brought by “cross-device tracking”-tracking consumer behavior on desktop devices and smartphones The practice is well in ATM machines, retail point-of-sale terminals and other places.
The FTC report recommends that, at the very least, companies engaged in cross-device tracking have an obligation to inform consumers that they are doing so and provide them with the opportunity to opt out. The report recommends that those tracking sensitive data such as health and financial information must seek permission in advance.
Although Olhausen did not specifically mention the report, she made it clear that pursuing theoretically harmful actions is not her top priority, and pointed out that the agency’s limited resources should be dedicated to curbing apparently harmful practices.
She said: “The agency should focus on cases with objective and specific injuries, such as monetary harm and unnecessary health and safety risks. The agency should not focus on speculative or subjective types of injuries.”
She said that before suing a company, the committee should ask itself: “How are consumers harmed? How does this action address this harm?
She said: “Focusing on consumer harm is part of our statutory order, but it is also a good policy. Asking and answering these two questions will focus our limited resources on where they can play the most.”
She pointed to the case of Ashley Madison and Eli Lilly using “specific” consumer harm as an example. In the Ashley Madison case, there is evidence that several consumers committed suicide after being hacked into adultery dating venues. The Eli Lilly case involved the disclosure of sensitive medical information.
Olhausen said that the Federal Trade Commission has “ventured into less safe places in the past and did not have a deep understanding of areas that cause harm to consumers.” She said one of her main priorities is “to deepen the FTC’s impact on the privacy economy. Learning understanding”.
A magazine subscription service allegedly tempted consumers to sign up for an expensive subscription service and has been ordered to pay more than $23 million.
Love first, then the homeowner? A new analysis by Zillow found that more and more unmarried couples are buying homes together, usually to make home purchases more affordable when housing prices rise.
Zillow pointed out in its “2016 Consumer Housing Trends” report that in the past decade, the proportion of young unmarried couples buying houses together has increased. Today, almost 15% of young home buyers in the United States are unmarried couples-an increase of 11% since 2005.
Washington, DC, saw the largest increase in unmarried home buyers, from 7.5% in 2005 to the current 16%. The number of young unmarried homeowners in Philadelphia and Miami has also increased.
As house prices increase, more and more unmarried couples choose to combine their incomes to make house ownership more affordable.
According to Zillow experts, in the past year, the median house value in the United States has risen by 7% to $193,800. To be able to afford a house at this price, two incomes are often required.
Dr. Svenja Gudell, chief economist at Zillow, said: “House purchase is an important part of the “American Dream.” Millennials and baby boomers enjoy it, but it is becoming more and more difficult to make it only for single income.”
He said in a statement: “Many single people who want to buy a house may not make enough money to afford or qualify for the mortgage of their dreams.” “Even if marriage is not part of the picture, this makes the purchase. Houses with lots of other houses are more attractive.”
If the growth of home values ​​continues to exceed the growth of income, Goodell said this trend may continue. We may also continue to see a decline in the number of single home buyers.
The report pointed out that since 2005, the number of single home buyers has decreased. Today, single home buyers account for approximately 25% of all home buyers, down from 28% in 2005.
The area with the largest decline in the proportion of single home buyers was Columbus, Ohio, which dropped from 40% in 2005 to less than 20% now. The number of single homes in Portland has also fallen by 10%, which may be due to the rapid increase in the value of homes in the city.
Normally, you should stay healthy before driving, but a new study shows that some injuries may have a negative impact on driving performance for a long time after symptoms disappear.
Researchers at the University of Georgia found that this is especially true for consumers suffering from concussions. In their research, they analyzed drivers who had recently recovered from a concussion and observed that injuries had an impact on their ability to drive safely.
Schmidt said: “During the driving simulation, they have less vehicle control and turn more in the lane.” Lead author Julianne Schmidt said: “This is the risk of a motor vehicle accident. Quite a big indicator, and this is when people think the accident has recovered.”
The study included 14 college-age participants who felt their concussion symptoms had disappeared within 48 hours. Everyone proved that they felt completely well and could recover from the injury, but their simulator turned out to tell a different story.
During the test, participants were more likely to turn in the lane and outside the vehicle, and the concussion group had poorer overall vehicle control ability compared to the study control group. This is especially noticeable when navigating on a curve. Schmidt said these indicators mark a clear difference between a person with a recent concussion and an ordinary driver.
She said: “The driving simulation shows that even if there are no symptoms, their performance on the road is very different from that of people who have not suffered a concussion.”
Previously, researchers focused on concussion research on the impact of athletes and contact sports. The researchers pointed out that such athletes are often banned from further participation in track and field competitions, but current recommendations are not strict in terms of driving.
“In athletics, we don’t restrict their driving until their symptoms are relieved. Usually, people get a concussion and drive home from the event or practice that caused the concussion – there are no restrictions. And we never let them They go to the scene or the court; we are very strict about this.” Schmidt said.
Researchers believe that their findings provide good evidence that concussion affects people longer than other symptoms indicate. Schmidt pointed out that even if the symptoms are obvious, this may be enough to limit driving privileges so that people with concussions and those on the same road remain safe.
“As for when people with concussions are ready to return to sports grounds and classrooms, we have very complete recommendations, but we did not even mention driving in the recommendations. Only 50% of people intend to limit driving at any time after concussion- This means that when they feel better, they will almost certainly be on the road.”
Domino’s is known for out-of-the-box marketing, which includes drone deliveries in New Zealand and advertising campaigns that the company admits are difficult.
A judge in Washington state ordered a 5-hour energy producer to pay nearly $4.3 million in fines, attorney fees and multiple violation fees.
As part of a full rollback of Obama-era legislation, Congress is considering repealing protective measures to control methane gas leakage from oil and gas installations on public land controlled by the Bureau of Land Management (BLM).
Methane gas is the main contributor to global warming, and critics of this proposal say that removing the rule would be equivalent to adding 950,000 cars.
Congressional Republicans once again demonstrated that they are more willing to profit from big oil than to protect ordinary Americans. The BLM methane rule is a cost-effective common-sense method of controlling waste and pollution produced by oil and gas companies,” said New York’s Attorney General Eric Schneiderman. The drawdown will be millions of dollars issued annually to oil and gas companies, which are paid by taxpayers, and this is at the expense of the health, safety and environment of New Yorkers and Americans. ”
Schneiderman and other attorneys general, the California Environmental Protection Agency and the Oregon Department of Environmental Quality wrote to Senate Majority Leader Mitch McConnell and Senate Minority Leader Chuck Schumer, asking them to block existing safeguards Any rollbacks.
Controversial is the Mineral Lease Act, which obliges the federal government to ensure that companies on BLM land “take all reasonable precautions to prevent wasting oil or gas.”
In November last year, the BLM finalized regulations to reduce the leakage, exhaust gas and leakage from the production of oil, natural gas and natural gas from combustion, but now the Congressional Review Act threatens to repeal these regulations.
It is estimated that the “BLM Methane Rule” can save enough natural gas to provide natural gas to approximately 740,000 households each year. Overall, compared with 2014, the regulations will reduce the bell mouth by about 49% and the exhaust and leakage by about 35%.
The letter said that the cancellation of the “BLM Methane Regulations” may increase methane emissions by 180,000 tons per year, which is roughly equivalent to the pollution of up to 950,000 cars, accounting for approximately 2.5% of New York’s annual greenhouse gas emissions.
According to estimates by the Government Accountability Office, rolling back the BLM methane rule will cause state, tribal, and federal taxpayers to lose up to $23 million in royalties each year due to uncontrolled exhaust, combustion and leakage. Overall, the rule may save hundreds of millions of dollars in the next ten years, including the recovery and sale of natural gas and savings in public health costs.
The states pointed out that if Congress cancels a rule under the Congressional Review Act, the action will prevent agencies from issuing similar rules, which means that the measures considered may permanently prevent the waste of BLM regulatory resources, which is required by law .
In addition to Schneiderman, the attorneys general of Illinois, Massachusetts, New Mexico, Oregon, Rhode Island, and Vermont signed the letter. Schneiderman has initiated litigation with states across the country to defend environmental and clean energy policies, including clean energy plans, “American Waters” rules, and EPA regulations to reduce methane emissions from the oil and gas industry
Working late at night can be a daunting task, and few people like heavy work and manual labor. Now, a new study shows that women who want to have children should avoid both.
Researchers from Harvard University’s Chen-Chen School of Public Health found that women who lift heavy objects or work outside the day are at risk of declining fertility.
Lead author Lydia Mingus-Alarcon said: “Our research shows that women planning to become pregnant should be aware of the potential negative effects of non-day shifts and excessive weightlifting on their reproductive health.”
To reach their conclusions, the researchers studied approximately 500 women who sought infertility treatment at Massachusetts General Hospital between 2004 and 2015. Due to the similar nature, each subject can be analyzed by biomarkers related to fertility, which are usually not measurable in women. Can get pregnant naturally
After collecting the data, Minguez-Alarcón and her colleagues assessed the association between the biomarkers and the physical needs and schedule of each woman’s work. They found that compared with women who did not lift heavy objects, women who moved or lifted heavy objects at work had an average of 8.8% fewer eggs and 14.1% fewer mature eggs, indicating that the activity had a negative impact on fertility influences.
In addition, the researchers found that if women work at night or rotate jobs, their eggs will decrease.
Although the researchers are not sure what exactly caused this relationship, they found that women who are obese or over 37 years of age are more likely to fertilize their eggs if they lift heavy objects. However, they speculate that due to the disruption of the circadian rhythm, non-working day shifts may have a negative impact on egg production.
Although the study did confirm some of the findings of previous studies, it was the first method to specifically link egg production and quality to working conditions rather than ovarian age. The researchers hope that their findings will provide guidance for future solutions to this problem.
“Future work…Researchers need to determine whether the production and quality of eggs can be improved, and whether the quality and speed of eggs can be improved,”
In the campaign to freeze or overthrow the regulations made by the previous administration, the Trump administration stated that it has taken action to free enterprises from non-productive regulations with inefficient production.
Although many companies and trade groups cheered for this approach, not everyone has it. A group of companies and industry associations have written to Minister of Transportation Elaine Chao, requesting the Department of Transportation (DOT) to quickly abolish a regulation dealing with the transportation of hazardous materials (dangerous goods).
the reason? Because the new rules align the United States with international rules governing the transportation of dangerous goods, the rules came into effect at the beginning of this year.
Trump’s regulatory freeze triggered this call, which terminated the DOT’s pipeline and hazardous materials safety administration’s final rule, which has been published in the Federal Register. The letter said that US companies have taken steps to implement this measure.
The letter said: “Its promulgation will not cause any new risks to transportation.” “In fact, this will ensure that the US hazardous materials regulations are consistent with international standards, thereby ensuring safety and avoiding damage to the supply chain.”
The 22 companies and industry associations that signed the letter stated that avoiding supply chain disruption is critical, and they said it will have a negative impact on “manufacturers, retailers, wholesalers, exporters, importers, carriers and industries” .
The signatories stated that the regulations are consistent with the long-term recognition of the aviation industry to link the US regulations on the transportation of dangerous goods with the rest of the world.
The letter explained: “Coordination avoids confusion among shippers, carriers and others in the logistics chain, maximizes safety and reduces costs for American companies.”
Various industries participated in this appeal. They include airlines, companies that produce batteries and electronics, manufacturers of outdoor equipment and power tools, the safety industry, shippers of dangerous goods, and manufacturers of firearms and ammunition.
Although some industries may wish to exempt government regulations, George Kerchner, the head of the Association for the Rechargeable Battery Industry, said his members are ready to meet new and stricter standards.
He said that, unlike the standards in other parts of the world, this will cause “fog” and actually lead to a decrease in safety.
Many recent surveys have found that baby boomers are anxious about retirement, mainly because they don’t have enough money.
The NHP Foundation, a non-profit, affordable housing provider, has conducted more in-depth research on these issues. It said a poll of Americans 55 and older found that the cost of putting a roof on top of their heads was a major issue.
The survey found that 30% of baby boomers worry at least once a month that they cannot afford their own housing. About 42% of retirees in the survey said they worry at least once a day.
It is well known that millennials have housing anxiety, which is somewhere between high rents and rising housing prices, but people think that the housing of baby boomers is safer. But it turns out that many baby boomers who are not worried about their housing costs do worry about the housing costs of their adult children.
NHPF CEO Richard Burns said: “The anxiety is multi-generational now.” “So, today we are working hard to increase our affordable housing stock to ensure that present and future generations Can afford an ideal place to live.”
The previous NHP survey found other concerns about housing affordability. It was discovered that at a given moment, as many as 75% of the American population was worried about losing their homes. A person who specifically targets millennials found that 76% of the younger generation have made compromises to ensure affordable housing.
Ali Solis, President and CEO of MakeRoom, a national tenant advocacy organization, said: “These findings highlight the urgency of making affordable housing solutions a priority in the United States, especially for those most vulnerable. Crowd.”
As you might expect, there are geographic differences in the degree of housing problems. In the Midwest, where real estate prices are lower, there are fewer concerns about this. Incomes in the South are lower, while real estate prices in the Northeast are higher, which has attracted more attention.
Today, it seems that everyone is doing some work. Baby boomers may be getting older, but they still want to look good.
The Mortgage Bankers Association (MBA) reported that the number of applications for the week ended February 3 increased by 2.3%, while the refinancing index increased by 2.0%. The proportion of refinancing in all applications fell to 47.9%, the lowest level since June 2009.
The share of variable-rate mortgage (ARM) activities increased to 6.9% of the total application volume; the share of FHA decreased from 12.1% in the previous week to 11.9%; the share of VA increased from 12.4% to 12.7%; the share of the US Department of Agriculture remained unchanged, as 0.9%.
Real estate information provider CoreLogic reports its home price index (HPI), which tracks home prices (including bad sales), which increased 7.2% from the same month last year and 0.8% from November.
CoreLogic Chief Economist Dr. Frank Nothaft said: “As of the end of 2016, the CoreLogic Country Index was 3.9% below the peak reached in April 2006.”
According to CoreLogic HPI forecasts, house prices will rise by 4.7% in December 2017, from December 2016 to January 2017, an increase of 0.1% from the previous month.
According to Nothaft, if achieved, the projected year-on-year increase will “push house prices to a new nominal peak before the end of the year.”
The CoreLogic HPI forecast is a forecast of housing prices using CoreLogic HPI and other economic variables. Values ​​are derived from state-level forecasts by weighting indicators based on the number of owned households in each state.
Improper welding of the left apron joint of the chassis may reduce the structural integrity of the front end of the vehicle, thereby increasing the risk of injury in a collision.
Ford will notify the owner and the dealer will inspect the apron joints and repair the vehicle free of charge as the case may be. The recall is expected to begin on March 6, 2017.
Sony Electronics of San Diego, California is expanding its June 2016 recall of Panasonic battery packs used in Sony Electronics’ notebook computers.
The extension of the recall involves Panasonic lithium-ion battery packs installed in 18 models of VAIO series portable computers.
The Panasonic battery pack is manufactured with the laptop, and the battery pack is sold separately or installed by Sony as part of the repair.
The recalled Panasonic battery pack has the model number VGP-BPS26 and part numbers 1-853-237-11 and 1-853-237-21 printed on the back of the model number.
This extended announcement contains battery packs that were previously determined not to be affected by the June 2016 recall.
From February 2013 to October 2013, battery packs manufactured in China have been sold at Best Buy, Sony retail stores, other consumer electronics stores across the country, and online www.store.sony.com and other websites at a price of US$550 Between USD 1,000. Part of Sony VAIO notebook computers, the battery pack sold separately is about 170 US dollars.
Consumers should immediately stop using the recalled battery pack, turn off the power of the laptop, remove the battery, and follow the instructions for free replacement. Before receiving the replacement battery pack, consumers should only use the laptop by plugging in AC power.
Consumers can call Sony Electronics toll-free at 888-476-6988 from 8 am to 12 am (Eastern Time) from Monday to Friday or from 9 am to 8 pm (Eastern Time) on Saturday and Sunday Contact or click online at www.sony.com. Click “Support” and then “Support Alert” for more information.
Ford Motor Company recalled 6,792 2017 F-150 trucks equipped with 8-inch productivity screens.
BMW has agreed to pay approximately $477 million to settle a class action lawsuit accusing the automaker of placing delicate electronic parts.
After the financial crisis, millions of consumers became “unbanked”, which means they did not have a bank account.
Some people chose to “cancel bank deposits”, but many people were either lost by the bank or could no longer afford the fees associated with bank accounts.
These consumers often choose to use prepaid debit cards as an alternative. These cards allow you to easily obtain cash and pay bills online. However, just like banks, these cards usually bear a lot of costs, including high overdraft fees.
In October, the Consumer Financial Protection Bureau (CFPB) finalized rules to enhance consumer protection for prepaid card users. The rule requires prepaid card issuers to provide consumers with many of the same protections as credit card companies. They also require issuers to provide consumers with clear information about fees before opening an account.
Now, seven Republicans in the U.S. Senate are seeking to prevent the implementation of these rules. Senator David Perdue (R.Ga.) is the main sponsor of the bill, claiming that the law is actually hurting consumers who use prepaid cards.
Perdue, a member of the Senate Banking Committee, said: “If the CFPB wants to continue to implement regulations that affect the financial situation of every American, it must respond to Americans.” “As a businessman, I have personally experienced over-regulation The impact of growth and innovation. The rules are too broad and will weaken the electronic payment market that Georgians and millions of consumers across the country rely on.”
But the National Consumer Law Center (NCLC) believes that this is not the case. It claims that the main beneficiary of the CFPB rule rollback will be a prepaid card company called NetSpend (authorized partner), whose parent company TSYS is located in Perdue state.
NCLC believes that the successful repeal of this rule will result in Netspend (an accredited partner) charging $80 million in overdraft fees each year, while preventing expanded fraud protection.
NCLC Deputy Director Lauren Saunders said: “It is shocking that Congress may block the basic fraud protection of prepaid cards so that NetSpend (approved partners) can continue to trouble families in distress with overdraft fees without prepaid cards. ”
Soders said the move is a continuation of the Republican Party’s campaign against the CFPB against the Dopp-Frank Financial Reform Act. Republican lawmakers said that the CFPB is not as responsible as other government agencies and has repeatedly exceeded its boundaries.
But Sanders said that the CFPB has always been an effective consumer regulator and has returned nearly $12 billion to consumers since its establishment.
You may remember that last year, Philadelphia became one of the first cities to impose a tax on sugary drinks. Supporters lined up behind the bill.
In the past few years, Twitter has taken some measures to try to curb abuse and harassment on its platform. In April 2015, the company changed some policies to more easily prohibit users who threaten violence against others.
Last month, it announced a feature that allows users to report abusive tweets and harassment. Now, the new announcement provides details on the three improvements the company is making.
In a blog post published earlier today, Ed Ho, vice president of engineering, said that if previously banned, the company will now be better able to prevent users from creating new abusive accounts, provide users with safer search results, and provide Users provide the option of crashing potentially abusive or low-quality tweets.
“Making Twitter a safer place is our main focus. We advocate freedom of speech, where people can see all aspects of any topic. When abuse and harassment suffocates and silences these voices, it becomes a danger. We will not Tolerate it, we are taking new efforts to stop it.”
Ho said in the post that Twitter will take steps to identify people who have been permanently suspended from the site due to abuse. He said preventing these people from opening new accounts will help curb the practice of creating accounts solely for the purpose of harassing others.
Search results will also be improved so that users no longer see “potentially sensitive content” or tweets from users that have been blocked or muted. Ho clarified that if users want to find the content, they can still search, but there will be no more chaotic searches.
To further curb harassment, Ho’s team is developing a feature that will identify and disrupt potential abuse or low-quality responses to tweets. This change will emphasize high-quality related tweet replies as it does now, and other replies will be clearly marked at the bottom of the screen. Users can still read these replies by clicking the “Show irrelevant replies” button.
He said that these changes and other similar changes will be rolled out in the coming days and weeks, but not all changes will be visible. He concluded by saying that Twitter will listen to user feedback to help the company “learn faster, be smarter, and make meaningful progress.”
A New Jersey company is suing itself and it provides advances to people awaiting settlement. The Consumer Financial Protection Bureau (CFPB) and the New York Attorney General claimed that RD Legal Funding, LLC defrauded 9/11 first responders and NFL football players from millions of dollars.
CFPB Director Richard Cordray said: “It is unreasonable for RD Legal to defraud 9/11 heroes and NFL concussion victims from millions of dollars,” “We claim that this company And its owners have stuffed their pockets with funds to pay for medical care and other important expenses for sick and marginalized people. Our lawsuit is aimed at ending this illegal program and deciding who is entitled to it. Refund.”
The lawsuit alleges that RD Funding defrauded 9/11 cancer and other illness emergency personnel and brain-injured football players by inducing them to pay the settlement costs at a high price, and defrauded the lies of the terms of the transaction. The lawsuit aims to end the company’s illegal activities, provide relief to the victims, and impose a fine.
New York Attorney General Eric Schneiderman said: “The actions charged by RD Legal, which is suspected of being seriously injured by the 9/11 hero and former NFL player, are simply shameful.” Advance settlement and compensation , Allowing them to profit from the support of these unsuspecting people. ”
The target personnel of RD Legal are police, firefighters, medical staff and other first responders to the attack on the World Trade Center on September 11, 2001. Many first responders suffer from cancer and other respiratory diseases, parts related to their exposure to dust and debris during the attack, post-traumatic stress disorder, depression and memory loss.
They received funding from the Zadroga Fund established by Congress, which aims to meet various needs including increased medical expenses and loss of income due to inability to work. RD Legal also targets NFL players previously diagnosed with neurodegenerative diseases (such as Alzheimer’s disease and Parkinson’s disease) and has the right to make payments from settlement agreements in class actions.
The lawsuit alleges that RD Legal has contacted these consumers after receiving these payments but before receiving most of the payments. Then, RD Legal initiated a “transaction” to provide victims with an advance payment of some of the funds they have not yet received, which will be refunded when they receive the payment balance.
By obfuscating the contract, RD Legal misrepresented their obligation to repay these expensive transactions to consumers, usually charging consumers more than twice the amount RD Legal had paid in advance a few months ago. It claimed that RD Legal’s actions cost victims millions of dollars, many of whom suffered long-term physical or cognitive injuries.
It is not uncommon for children and pets to live in the same household, but family pets may pose health risks to children. Although Fido’s presence may be harmless, the researchers said that Fido’s drugs may send the child to the emergency room.
The incidence of pet drug poisoning is higher than you think. In fact, researchers at the Center for Injury Research and Policy have found that a poison center in Ohio has received more than 1,400 calls from pet drug poisoning in the past 15 years.
Every year, the Ohio Poison Center (COPC) of the National Children’s Hospital receives an average of 95 calls about children and teenagers who have been exposed to pet drugs.
Children are often exposed to veterinary drugs, such as flea drugs and heartworm drugs. According to this study, drugs related to poisoning include drugs without human equivalents (17%), antibacterial drugs for killing bacteria (15%), and antiparasitic drugs for killing parasites (15%) ) And analgesics for pain relief (11%).
The report, published recently in the journal Pediatrics, found that 87% of the calls involved children under 5 years of age, but teenagers were also poisoned after accidentally taking pet drugs instead of human drugs.
This group of authors explained that children may become victims of poisoning after picking up pills spit by pets or eating unfinished food in food bowls.​​​ Sometimes, if a child touches an animal treated with prescription drugs or creams, oral contact between people may cause poisoning.
“When you have children and pets at home, sometimes things get a little busy. Considering the idea that pet drugs may pose a risk to the family, I didn’t even think about it.” Co-author of the research report, Harmful Research and Policy Said Christie Roberts of the Center and National Children’s Hospital.
“The good news is that by taking some simple steps, such as storing pet and human medicines not far away, in different places invisible, and feeding pets only when the child is not in the room, you can help Make everyone in the family safer.”
The cost of medical insurance is rising rapidly, and as more baby boomers join, medical costs may rise in the next few years. It has many members and parliamentarians.
You may want consumers to spend less on Valentine’s Day, but pets are unlikely to notice any change in the level of love they receive. In fact, the furryest member of this Valentine’s Day family is ready to get more love than some family members.
A new survey conducted by pet camera maker Petcube found that 54% of pet owners plan to buy special Valentine’s Day gifts for their pets. More importantly, 84% of pet owners said that they love their pets more than their partners.
The results of Petcube’s first annual Valentine’s Day survey clearly show that pets play an important role in relationships.
Slightly more than three-quarters of respondents (76%) said that if they love pets, they will find a romantic partner more attractive. In some cases, pets can even establish or destroy a relationship. 9% of respondents said they broke up with their partners because of pets.
The survey also studied how pet parents express their love for their favorite fur baby. Responses from more than 3,500 Petcube users around the world show that 25% of people took their pets away while dating, and 32% kissed their pets on their lips.
91% of respondents stated that they regularly tell their pets that they love them-if not in words, but in other ways. The main way pet owners express their love for their pets: through petting (96%), playing (96%) and giving them snacks (91%).
Regarding sleeping arrangements, it seems that many pet owners don’t mind sharing their beds. 70% of respondents who let their pets sleep on the bed must sleep together.
Petcube users are also more willing to adopt it than stores. The survey found that 76% of users have adopted their pets, either from shelters or on the streets.
For decades, “Billboard” magazine carefully tracked record sales and which radio stations are playing which songs to compile its weekly list of the most popular music in the United States.
Music consumers mainly influence the list by making certain radio stations more popular than others. But, like everything else, the Internet is changing this model.
Billboard said that as consumers are now less and less likely to get music from radio stations, and the possibility of broadcasting is greater, Billboard said it will continue to make adjustments. Starting from next week’s chart, Pandora streaming data will be included in the judgment on music rankings.
Billboard said that the added content can immediately change the rules of the game, and Pandora data can add at least 40 songs on the Hot 100. The ranking of the nine titles on the list improved by five or more.
For example, Pandora’s influence will enhance Rihanna’s “Sex with Me”, Bebe Rexha’s “I Have You”, Jason Ordian Aldean’s “Any Ol’Barstool” and Rob $tone’s “Chill Bill”, including J. Davi$ and Spooks.
In fact, “Chill Bill” is one of Pandora’s 10 most popular songs this week, helping it rise 10 places on the Billboard Hot 100 chart. Pandora also helped two other songs break the charts-Lady Gaga’s “Reason for a Million” and newcomer Callum Scott’s “I Dancing myself.” “Million Reasons” once entered the “Hot 100″ list, but Billboard said that streaming data shows that it is still very popular among consumers.
According to John Amato, co-president of the Hollywood Reporter-Billboard Media Group, nearly 80 million consumers listen to Pandora every month, so it makes sense to include these data in the Billboard chart, which has a huge impact on the music industry.
He said: “For decades, the charts have been the place where two artists measure their success and fans discover music.”
Pandora is not the first streaming service included in the Billboard chart. Billboard also consulted Spotify, Apple Music, Amazon and Google Radio. Billboard said that on-demand streaming services have a higher weight and are a valuable source of data because they reflect more active consumer interactions.
Popular culture’s recent emphasis on healthy eating has had an impact-most of which are beneficial. People know that they should eat more healthy food and avoid adding unhealthy food.
They even have a good idea of ​​what is good for you and what is wrong. But when it comes to actually eating good things and avoiding bad things, a new survey shows that it’s tricky.
When the polling company ORC International surveyed supplement manufacturers, it found that 60% of Americans said they believed in a healthy diet.
However, when survey participants delved into American diets, even though the USDA recommends five or more servings a day, 62% of Americans still eat only one or two servings of fruits and vegetables a day.
In fact, only 6% of consumers in the survey said they met the USDA recommendation of five or more servings of fruits and vegetables per day.
“My experience continues to show me that many Americans live high-carbohydrate, high-sugar, caffeine-overloaded, stressed, and non-exercise lives,” said Dr. Tieraona Low Dog, an advocate of vitamin supplements in the United States. diet. “In terms of diet, we may have good intentions, but the truth is that many of us lack ideal eating habits.”
In recent years, research on vitamin supplements has been contradictory. Government nutrition experts wrote on Nutrition.gov that it is best to meet nutritional needs by eating the right foods.
They wrote: “In some cases, vitamin/mineral supplements or fortified foods can be used to provide nutrients that could otherwise be consumed less than the recommended amount.” “If you are already taking the recommended amount of nutrients, then take a supplement May not have any further health benefits. In some cases, supplements and fortified foods may actually increase your intake of nutrients beyond safe levels.”
According to the National Heart, Lung, and Blood Institute, a federal agency, a healthy diet plan is a plan that provides essential nutrients while maintaining daily calorie goals. It reduces the risk of heart disease and other unhealthy conditions.
What exactly should be done on a healthy plate? Nutritionists recommend vegetables, fruits, whole grains, and fat-free or low-fat dairy products.
They also recommend getting a lot of protein from lean meat, poultry, fish, beans, eggs and nuts. Consumers should also easily add salt and sugar, and maintain proper amounts.
The Bureau of Labor Statistics (BLS) reported that there were 5.5 million vacancies on the last working day of December, roughly the same as in November.
The 5.5 million job vacancies in December corresponded to a 3.6% rate. There was little change in the private sector, and government jobs fell by 75,000. Vacancies in other services (+50,000) and the federal government (+13,000) have increased, but vacancies in state and local governments (except education) (-85,000) have decreased. There is little change in the number of job vacancies in all four regions of the country.
The employment rate is 3.6%, the private sector has not changed much, while the government sector has declined. Except for education (-33,000) and mining and logging (-7,000), state and local government employment decreased. In these four regions, the number of employees hardly changed.
Total departures include exits, layoffs, departures, and other departures, called turnover rate. The total number of turnovers in December was 5 million, almost unchanged from November, with a growth rate of 3.4%. The number of departures in the private sector hardly changed, while the government lost 37,000. State and local government registrations have declined (-28,000), while the total number of turnovers in the four regions has hardly changed.
In the 12 months to December, the total number of employees was 62.5 million and the total number of departures was 60.1 million. The resulting net employment income is 2.4 million. The total includes workers who may be hired and quit more than once in a year.
Toyota Motor Engineering & Manufacturing has recalled 72,847 Tundras for 2016-2017, equipped with resin rear pedal bumpers and resin reinforced brackets. Vehicles with chrome pedal bumpers are not affected.
In case of hitting the corner of the bumper, the resin bracket may be damaged but it will not attract attention.
If someone steps on the corner of the damaged bumper, part of the bumper may break, increasing the risk of injury.
Toyota will notify car owners that dealers will replace the rear bumper with steel to reinforce the bracket and replace the rear bumper pedals for free. The remedy component is currently unavailable.
Toyota will begin to notify vehicle owners of the recall on February 15, 2017. If spare parts are available, a second notice will be sent.
Vehicle owners can call Toyota Customer Service at 1-800-331-4331. Toyota’s phone number for this recall is H0C.
The bracket used in the driver or front passenger seat back recliner mechanism may have been welded to the seat back frame by mistake. As a result, in the event of a collision, the head restraint may not work properly.
Therefore, these vehicles do not meet the requirements of Federal Motor Vehicle Safety Standard (FMVSS) No. 202a “Head Restraint”.
The backrest of the front seat may break in a collision, which increases the risk of occupant injury.
General Motors will notify the owner that the dealer will inspect the front passenger seat and replace it with an incorrectly welded seat back frame for free. The manufacturer has not yet provided a notification schedule.
Car owners can call Chevrolet Customer Service at 1-800-222-1020. GM’s phone number for this recall is 17035.
Auto safety organizations are suing to overturn the Federal Trade Commission’s consent order to allow auto dealers and manufacturers to say that “certified” cars are “safe.”
Federal Communications Commission (FCC) Chairman Ajit Pai, with the support of Republican Commissioner Michael O’Rielly, has suspended the agency’s “zero rating” program for wireless providers Investigation.
Verizon, T-Mobile and AT&T are under investigation for violating “net neutrality rules” with their respective streaming media software packages. All three operators have programs under which subscribers can stream data from certain sources, regardless of their data margin.
Pai said in a statement: “The Wireless Telecommunications Bureau is ending its investigation of free data products from wireless operators.” These free data plans have proven popular among consumers, especially among low-income Americans. , And enhanced competition in the wireless market. Looking ahead, the Federal Communications Commission will not focus on denying Americans free data. ”
GOP Commissioner Michael O’Rielly supports this move, saying that the FCC should support wireless providers in what he calls “licensed innovation.”
O’Rielly said: “Although this is only the first step, these companies and other companies can now safely invest in and launch very popular products and services without worrying about committee intervention based on newly invented legal theories.”
However, Mignon Clyburn, the only Democrat commissioner on the committee, opposes—not only the rapid reversal of a pillar of the Obama administration’s communications policy, but also the way in which it does so.
Clayburn said: “The basic principle of administrative procedures is that actions must be accompanied by reasons for action, otherwise actions are illegal.” “However, this is exactly what multiple bureaus do today.”
Net neutrality believes that Internet service providers may not prefer one content. The FCC is investigating all three companies to determine whether its zero-rating program violates this principle.
The agency sent letters to all three companies on Friday, notifying them that the investigation has ended.
In a series of actions on Friday, the FCC also overturned another initiative of the Obama administration, allowing nine Internet providers to participate in a federal program to provide subsidized services to low-income families.
Consumer group Free Press joined Clyburn in criticizing the actions and implementation. Policy director Matt Wood described Pai’s move as “powerful tactics.”
All the turmoil surrounding President Trump’s executive order prevented immigration from seven Middle Eastern countries, another controversial executive.
To convince picky eaters to eat bitter gourds, such as kale or Brussels sprouts, can be an uphill battle. As we all know, children are fickle in food.
After broadcasting the boxing match on Facebook Live last Friday, two Australian men were in trouble. Foxtel cable channel:
If you are old enough to read this article, it is too late to do anything, but a new study finds that lifetime income is affected by testosterone levels.
The Federal Trade Commission (FTC) and the New Jersey Attorney General’s Office have reached a $2.2 million settlement with smart TV manufacturer VIZIO, which resolves a complaint that the company has collected 11 million consumer viewing data without their consent.
The complaint pointed out that as early as February 2014, VIZIO and one of its affiliates manufactured smart TVs, which captured screen information and demographic data about consumers, including information about age, gender, income, and various other Indicator information. Officials said that VIZIO subsequently obtained the information and sold it to third parties, who used the information to create targeted advertisements that could reach consumers through its devices.
“[VIZIO] provided this viewing data to a third party who used it to track and target advertisements to individual consumers across devices. The complaint said: “It uses a method that will not be The medium used to track to engage in these behaviors. ”
The complaint went on to explain that the data tracking practices were unfair, deceptive, and violated the FTC Act and New Jersey protection laws, as stated by New Jersey Attorney General Christopher Porrino.
He said: “New Jersey residents watch TV privately in their own homes. They don’t know that every program they watch, the movie they rent, and every advertisement they’ve muted has been secretly followed by the defendant, and then they use this personal information to obtain the company. Profit,” said. “This allegedly deceptive behavior is not only illegal; it is a serious violation of personal privacy and cannot be tolerated.”
The settlement requires VIZIO to pay $1.5 million to the FTC and $1 million to the New Jersey Department of Consumer Affairs, of which $300,000 has been suspended. According to the order of the Federal Court, VIZIO must make a significant disclosure and obtain its consent regarding its data collection and sharing practices, and stipulate that the company must delete all data collected before March 1, 2016.
The order expressly prohibits the company from making false statements about the privacy, security or confidentiality of any consumer information collected in the future. VIZIO also agreed to implement a data privacy plan, which will be evaluated every two years.
“This settlement not only makes the defendants responsible for their alleged fraud, but also requires them to destroy the collected data without the consent of the consumers, and modify their business practices to protect consumers from future privacy violations. “Porrino said.
Okay, Tom Brady and Lady Gaga are the best among mankind, but the once ironic Alfa Romeo brand broke the chaos with its “Super Bowl” TV commercial.
Physical chaos can overload the senses, which is why you may feel stressed and mentally exhausted from too much. On the other hand, a clean environment will make people feel refreshed and relaxed.
If your home does not evoke feelings of recovery and relaxation, then maybe it’s time to tidy up. But reducing confusion can be a challenge, especially if you are not sure where to start.
Regardless of the size of your house, these tips can help you solve some typical chaotic hot spots. Although it may take some time and effort, your organizational work may be rewarded in the form of a house, which is twice the mess of life.
Sideboards and kitchen cabinets may be magnets filled with expired food and canned food, which are unlikely to be used soon. Organize these spaces by throwing away expired items and donating canned food that you will never use.
Then, group the items by category. Use organizing tools such as layered spice racks, turntables or baskets to organize spices and canned food. Transparent jars can often be used as useful storage containers for flour, sugar, and other large items because they allow you to keep track of your inventory.
Is the closet full of items you rarely wear? To find out which items you don’t wear often, try experimenting with Oprah Winfrey closet hangers.
Use hangers to turn all the clothes upside down. After putting on the clothes, put them back in the closet with the hangers facing the correct direction. After six months, you will know which clothes are suitable for donation.
If you still lack storage space, please consider placing it vertically. Hang hooks, shelves or built-in cabinets to make full use of the wall space in the closet. Use this extra storage space to store seasonal items.
For a functional but neat bathroom, please give all rooms a home. Glass medicine bottles are an aesthetic way to store cotton balls and cotton swabs, and a caddy under the counter can prevent bottled products from messing up your kitchen countertop. A wall-mounted basket or shelf above the toilet can provide extra linen storage space.
During the organization process, discard all unused products. Cosmetics that accumulate dust take up valuable cabinet space, and if bacteria start to grow, it may even pose a health risk.
To keep your home tidy all year round, please consider donating one item a day. This trick by Colleen Madsen of 365 Less Things will put you on track to create a space that feels fresher and lighter every day.
Many taxpayers are anxious to file tax returns because they will receive large refunds. But there is another reason to receive your tax return as soon as possible.
Correspondence schools throughout the United States can provide distance learning opportunities for students of all levels. The Federal Trade Commission (FTC) has reached a settlement with one such school on the grounds that the school has deceptive claims about its education program.
The agency filed a lawsuit against Stratford Vocational College in 2016, claiming that it misled consumers about its high school diploma program, which did not meet the basic requirements set by most states. The agency says consumers who try to use their diplomas to continue their education are often turned away by college admissions officers.
The complaint stated: “Many consumers cannot use their Stratford diploma to enter four-year colleges, universities, community colleges or vocational schools, or to obtain, retain or promote jobs.” “According to [Stratford ] Records and other evidence, prospective employers and admissions consultants refused to accept Stratford’s diploma and told consumers that they could not use it like they did when they graduated from a traditional high school.”
Under the new regulations, Stratford is prohibited from making false statements about any future education plans. It must also be disclosed to consumers that their high school equivalent program may not be recognized by some schools and employers in lieu of traditional diplomas or equivalent certificates.
In addition, the settlement agreement imposed a $6.5 million judgment on Stratford, which will be partially suspended after the organization pays $250,000. If it is found that Stratford has misrepresented its financial status to the regulator, it must be paid in full.
In the days when the use of any marijuana was banned, those involved in marijuana production claimed that the government lacked a major source of income.
After rising for about ten years, it is expected that the amount of consumption on Valentine’s Day will decline this year.
The annual survey conducted by the National Retail Federation and Prosper Insights & Analytics showed that the average consumption of American consumers was US$136.57, a decrease of US$10.27 from last year’s record high.
In addition, total expenditures are also expected to drop from last year’s all-time high of US$19.7 billion to US$18.2 billion.
One of the reasons for the decline may be the decrease in the number of celebrations. The number of respondents planning to celebrate the holiday fell by nearly 10%, from 63% in 2007 to 54% this year.
NRF President and CEO Matthew Shay said: “Even if consumers are frugal this year, Valentine’s Day is still a popular gift-giving occasion.” “It’s every day of the year. Thousands of people can find a way to show their loved ones. Show what you care about, regardless of their budget.”
According to this year’s survey, consumers plan to spend an average of US$85.21 on important other/spouses, US$26.59 on other family members (such as children or parents), US$6.65 on children’s classmates/teachers, and friends US$6.51, US$4.27 spent on colleagues, US$4.44 on pets on colleagues.
Consumers plan to spend US$4.3 billion on jewellery (19% of shoppers), US$3.8 billion on night-time spending (37%), US$2 billion on flowers (35%), and spending on clothing US$1.9 billion (19%), US$1.7 billion (50%) spent on candy, US$1.4 billion gift cards/gift certificates (16%) and US$1 billion greeting cards (47%).
This year, “experience gifts” such as concerts, sporting events or outdoor adventure tickets seem to be very popular-at least among potential recipients. Although 40% of consumers want a bottle, only 24% plan a bottle.
Consumers plan to shop in department stores (35%), discount stores (32%), online stores (27%), specialty stores (18%), flower shops (18%) and local small businesses (15%).
The survey was conducted from January 4th to 11th and asked 7,591 consumers about their Valentine’s Day plan, and the error range was plus or minus 1.1%.
Continental Americas Americas recalled 325 general-purpose tires for light truck tires, the size is 33×12.50R18 LT 118Q, load range E, manufactured from May 3, 2015 to May 16, 2015 (U.S. Department of Transportation Week Code 1815 and 1915).
Replacement tires may lack adhesion in the belt package, resulting in tread wear, bulging and possible tread separation, which increases the risk of a crash.
Continental Airlines will notify car owners and dealers will replace the affected tires free of charge. The recall is expected to begin on February 10, 2017.
The Food and Drug Administration has received more than 10,000 reports of adverse events complaining about the side effects of a commonly used drug, Lupron.
Whether at home or in a kennel, pet care will increase your travel budget. So why keep pets at home? You can bring your pet on the road.
Consumer groups were shocked by the reaction of President Trump to announcing the repeal of consumer protection measures built into the Dodd-Frank Act, which was passed in 2010 to prevent the re-enactment of 2008 The financial crisis has prevented attempts to restrict stockbrokers’ rules and investment advisors.
“Wall Street giant Goldman Sachs appears to be taking over the financial regulations of the United States, trying to make it easier for them and other large banks such as Wells Fargo to steal funds from customers and destabilize the economy,” the company’s executive director Lisa Sachs. Lisa Donner said. Americans who accept financial reforms said in a statement from ConsumerAffairs: “This betrays Trump’s commitment to support Wall Street. If they succeed, it will bring painful consequences.”
Trump said at a meeting with small business leaders earlier this week that he would make a “big amount” to Dodd-Frank. Today he is in talks with the leaders of Wall Street and the White House. This commitment was reiterated in the meeting.
Trump told executives that his friends could not borrow money to support their business plans, so Dodd-Frank’s banking supervision should be relaxed. The purpose of this regulation is to ensure that banks have sufficient capital to withstand losses in the loan portfolio.
“Although the original intention of the supporters was to prevent another economic crisis, Dodd-Frank concentrated banking power into fewer big banks, destroying small town banks across the country. It also made the law “too big to be impossible.” “Bankruptcy” instead of eliminating the risk of taxpayers.” FreedomWorks CEO Adam Brandon said.
Brandon said: “It imposes restrictions and regulations on small community banks. These banks lend start-up funds to nearby entrepreneurs.” “Dodd-Frank’s influence hurt the country’s rural economy.
Trump also targeted another rule of the Obama era, a regulation of the Department of Labor, which requires stockbrokers and other investment advisors to act in the best interests of their clients, rather than simply trying to sell them the most profitable financial product.
The Consumer Federation of America (CFA) and other groups said in a joint statement: “President Trump continues to throw middle-class Americans on the bus. This is the person he promised to protect during the campaign.” Today, he plans to issue an executive order threatening to deprive them of the protection of working families and retirees that they desperately need when seeking retirement savings from financial advisers.”
These organizations say that reducing the protection of conflicts of interest for retirement savings will “take tens of billions of dollars from the pockets of hardworking Americans every year to enrich the powerful interests of Wall Street.”
These organizations say that the Labor Department’s regulations have not yet taken effect, but they have already benefited consumers.
“With the implementation of the conflicting rules only a few months away, it has brought tangible benefits to retirement savers: the cost of retirement advice and products is falling; the elimination of incentives based on the best interests of customers; and The advice of investors choosing how to pay is retained.” CFA, the US Financial Reform Commission and the Federation of State, County and Municipal Employees (AFSCME) and “Better Market” said.
These organizations said: “All of this will be in danger so that President Trump can cater to powerful special interest groups that can make such huge profits under the status quo.”
The Ivanka Trump brand is disappearing from Nordstrom stores, but the retailer insists this is not for political reasons. Also b…
We have seen this in the wave of store closures. Sears will close many Sears and Kmart stores. Even the determined Macy’s has announced that it will close 68 stores.
For people who have difficulty sleeping, countless “treatments” have been proposed. A cursory Internet search will suggest everything from drinking warm milk to taking melatonin supplements. However, researchers at the University of Colorado at Boulder provide a more entertaining answer: camping for a weekend.
Dr. Kenneth Wright, professor of physiology and the lead author of two research papers, explained how camping in an environment of natural light and dark cycles can reverse the damage to daily life under artificial lighting.
“These studies show that our internal clock responds strongly and fairly quickly to the natural light-dark cycle… Living in a modern environment will greatly delay our circadian rhythms, and the circadian rhythms will have a lot of health effects. Weekend camping trips can Reset it.”
This is not Wright’s first paper on the beneficial effects of camping. In 2013, he conducted a study in which participants were sent to camp for a week during the summer, and no headlights or flashlights were used at night. When they returned, Wright discovered that their melatonin levels-a hormone that prepares the body for the night and promotes sleep-synchronized with sunrise and sunset and changed for nearly two hours.
On the basis of previous research, Wright set out to discover the rate of change of the internal clock based on ambient lighting and the time of year. The first study consisted of 14 participants, 9 of whom were asked to camp for a weekend in the summer, while the other 5 stayed at home. After the weekend, participants who participated in the camping had their melatonin levels 1.4 hours earlier than those who did not, indicating that their internal clocks had changed.
In the second study, five participants camped for a full week around the winter solstice. Statistics show that they receive 13 times more natural light than usual, and their melatonin levels begin to rise 2.6 hours earlier.
Wright said: “The weekend exposure to natural light is sufficient to reach 69% of the circadian rhythm we previously reported, which we previously reported.”
So, what does all this mean for sleep? In essence, two studies have shown that without exposure to artificial light, the body of participants will change according to the time of year and their body’s natural needs.
When living with artificial light under normal circumstances, the body’s internal clock and natural rhythms are usually discarded, which may affect the release of hormones, sleep and wake up, appetite and metabolism time. However, studies have shown that camping away from this environment for only one weekend is enough to bring our bodies back into sync. Wright hopes that these results will help guide architectural and urban design to help encourage natural light to promote health.
He said: “Our findings highlight that architectural design has the opportunity to introduce more natural light into the modern architectural environment, and cooperate with lighting companies to integrate adjustable lighting that can change day and night to enhance performance, health and well-being.”
Fan-friendly people may like the simplicity of the washing powder box, but young parents should be aware of the potential dangers associated with water.
They may want to buy a house, but the ownership of the house requires a good reputation and large amounts of cash to cover the down payment and closing costs. At the same time, rents continue to rise.
In 2014 and 2015, many people in the housing industry were troubled by the growing rent affordability crisis, especially in the country’s hottest housing market. Now, it seems to have eased.
The National Apartment Listing Rent Report shows that after four consecutive months of actual decline in average rents, rents only rose slightly at the beginning of February.
Compared with the beginning of February 2016, today’s average rent has increased by 1.8%, but it is roughly the same as last May. In 2016, the rate of rent growth was much lower than the previous two months.
One reason is the flood of apartment construction in the past few years. As rents rise, it becomes more profitable to build new rental houses and the risks become less and less.
At the same time, driven by first-time home buyers, home sales have finally begun to grow. These people have been renting houses, but now they own their own houses. This helps reduce rental inventory.
It may be that after the distortions caused by the financial crisis, the leasing market has just returned to normal. In the years immediately after 2008, it has become more and more difficult to buy a house, so more and more people are competing for rent. In the depths of the Great Depression, apartment construction almost stalled.
The report shows that rents tend to slow down the fastest in areas with the largest increases such as Silicon Valley, Miami and Houston. Eight of the 10 rental markets with the highest rents last year saw rent increases no more than 1%.
What has changed? The recent increase in rents in these markets has encouraged developers to speed up construction. With the increase in inventory, the landlord’s leverage in rent has also decreased.
There are still many areas in the country where rents are still rising, and a lot is swallowed from monthly cash flow. For example, rents in Washington, DC are still rising. The suburbs around the nation’s most expensive cities also saw rent increases.
Couples who plan to get married this year may suffer some blows after marriage. A new study found that the average cost of a wedding has been reached.
In recent years, TV fans have a lot to celebrate. With the advent of streaming video, consumers can now watch what they want anytime, anywhere, and this trend even allows certain platforms to invest in creating their own original series.
Today, the top three celebrities that come to mind are Netflix, Amazon, and Hulu, all of which run their own streaming services and produce their own shows and movies. However, a recent study conducted by Parrot Analytics showed that in 2016 original content, one brand outperformed the other two brands.
The report shows that the demand for Netflix’s original content is eight and nine times that of Amazon and Hulu, respectively. The demand for other lower services on the Totem Pole (such as Crackle) is 60 times lower than Netflix.
So, what makes Netflix so popular among consumers? Researchers from Parrot Company say that a large part of it is related to the large amount of content produced by the brand. Attractive new episodes released at different times of the year have increased the number of Netflix and increased its popularity.
“The real advantage of Netflix lies in the continuous production and distribution of new, refreshing content: after the premiere of “Stranger Things” in week 28, demand has grown to new heights. The report points out that other new products, such as week 39 Marvel’s Luke Cage and Week 50’s OA continue to build on this popularity, resulting in Netflix’s demand by the end of the year being 2.7 times more than the other three platforms combined.
However, the researchers say that Netflix’s success last year was not all due to volume. Many of its most popular series also continue to conquer consumers’ opinions to a large extent.
The company pointed out: “Netflix’s senior titles still attract a lot of demand, for example, from the fourth season of the House of Cards and the second season of Marvel’s magic novels in March (9-13 weeks) to their peak.”
The researchers measured the popularity of each platform through Demand Expressions. This involves collecting and analyzing cross-platform, country-specific video streams, social media activities, photo sharing, blogs, comments on fans and commenter platforms, and metrics for download and streaming rates.
The scam seems to be cyclical. The “grandparent scam” has been around for a while, but it disappeared once the public started to hear about it. But now it’s back, again putting the elderly in trouble.
This is how the liar works. If a plan proves to be effective, it will definitely make a comeback.
Hiya, who makes software that protects mobile phones from spam, reported that utility fraud increased by 109% in 2016 due to scammers taking advantage of unseasonable cold and hot weather.
Jan Volzke, vice president of Hiya Reputation Data, said: “Scammers are always looking for new ways to deceive consumers. In the past year, utility companies have achieved triple-digit growth in fraudulent activities.” “Although many consumers are now Be vigilant about claims to be from the IRS to call or offer free cruises that seem great, but the latest threats are masked in the form of utility companies that we believe can provide basic services, such as natural gas and electricity.”
Although there are different variants of the scheme, it usually works like this: the scammer calls the consumer and tells them that their utility bill has expired. They must pay immediately or face a fine.
An elderly person may not question it in the cold winter, and is happy to provide access to his or her bank account or credit card to avoid power outages.
Hiya analyzes more than 3.5 billion calls and text messages every month to look for signs of fraud. It said the utility companies most commonly claimed by scammers to be linked to are General Electric, Duke Energy, ConEd, Georgia Power and Consumer Energy.
Hiya analyzed data from more than 3.5 billion calls and text messages processed every month to help consumers identify signs of fraudulent calls from utilities.
In addition to threatening to turn off the power, other variants of the scam are expected to reduce utility bills. The scammer will ask the victim to provide billing information in order to view the account. Scammers use billing information to collect money from the victim’s bank account or credit card.
Hiya said there is a pattern for these utilities to scam calls. It says that the most commonly used area code is 508 (Mass.). 201 (NJ); 914 (NY); 323 (Calif.); 330 (Ohio); 510 (Calif.); and 916 (California).
One way to avoid utility scams is to understand that the utility company will not call customers and threaten to immediately interrupt service unless the payment is made over the phone.
Consumers who receive such calls only need to hang up and call the customer service department of the utility company to check account status.
A new study by Loyola University researchers will undoubtedly be welcomed by Couch Potato everywhere.
After reviewing their latest findings, these scientists suggested that weight loss may not depend entirely on exercise.
The researchers said that they closely followed young people in the United States and four other countries, and concluded that the amount of exercise they engaged in and the amount of time they spent sedentary had nothing to do with weight gain.
Lara R. Dugas, an assistant professor in the Loyola Department of Public Health Sciences, said: “Our findings indicate that physical exercise may not protect you from weight gain.”
Dugas and her colleagues hope it is clear. They never advocate the life of watching TV or playing video games on the sofa. They say that physical exercise has many health benefits-it can control many chronic diseases while improving mood and mental health.
But there are trade-offs. The more you exercise, your appetite will increase. They said that everything seemed to be flat.
This study may prove to be a failure in the ongoing debate between health advocates and food and beverage manufacturers about the causes of obesity. For a long time, companies have pointed out that consumers need to be more active, if they have so many calories, it is not so important.
Health advocates have been criticizing this claim, saying that Americans are consuming too many calories, especially calories from sweet drinks. In recent months, their range of attacks has expanded to attack on calorie-free artificial sweeteners.
Researchers at Loyola University do not seem to be openly involved in the politics of controversy, but rather tend to rely on more than exercise to avoid weight gain.
So, what can help you lose weight? That was a debate still in progress, but a report published last year indicated that partial control may be an important factor.
Lead researcher Cheryl Rock said: “Compared with the control group participants (which can choose their own eating habits), they only ate two prepackaged meals a day, and their weight lost about 8%. %, while the participants in the control group can choose their own diet, and their weight lost only about 6%.” University of California San Diego School of Medicine.
She said a useful tool for losing weight or maintaining weight is to eliminate the guesswork involved in planning and preparing low-calorie meals.
You may brush your teeth every day to prevent tooth decay and other dental problems. But many pet owners ignore the same attitude.
Last month, the service or non-manufacturing economy continued to grow, although the growth rate was lower than in December.
According to the latest Non-Manufacturing Supply Management Institute (ISM) Business Report, the Non-Manufacturing Index (NMI) recorded 56.5%, a decrease of 0.1% from December.
The NMI has been above 50 for 85 months now, which is the boundary that distinguishes expansion from contraction.
The non-manufacturing business activity index fell 0.6% to 60%, reflecting 90 consecutive months of growth. The new orders index was 58.6%, a 2.1% drop from December.
On the other hand, the employment index rose by 2.0% to 54.7%, and the price index soared by 2.9% to 59%, indicating that it has risen for ten consecutive months, and is faster than in December.
According to data released by the Department of Labor (DOL), even if the unemployment rate has risen by 4.8%, employers have added 227,000 non-agricultural jobs.
The areas where employment has increased include retail (+46,000), construction (+36,000), financial activities (+32,000) and restaurants and bars (+30,000).
Other major industries, including mining and logging, manufacturing, wholesale trade, transportation and warehousing, information, and government, have hardly changed in a month.
Among the major groups of workers, the unemployment rate of Asians (3.7%) rose in January, adult men (4.4%), adult women (4.4%), adolescents (15.0%), whites (4.3%), and blacks (7.7%) and Hispanics (5.9%) almost unchanged.
The number of long-term unemployed-The number of unemployed for 27 weeks or more remained basically unchanged, at 1.9 million, accounting for 24.4% of the unemployed. Over the past year, the number of long-term unemployed has fallen by 244,000.
Last month, the average hourly wage of all employees in private non-agricultural employment increased by 3 cents to $26, half of what was in December last year. During the year, average hourly income increased by 2.5%.
The rear door latch/lock cable of the vehicle may be incorrectly arranged. As a result, lowering the rear window may inadvertently cause the door to unlock and open.
If the rear passenger door opens unintentionally while the vehicle is in motion, the risk of injury to the rear passenger may increase.
Nissan will notify car owners and dealers will correct the wiring of the rear door latch/lock cable free of charge. The manufacturer has not yet provided a notification schedule.
The following products distributed through retail stores in California, New York, and Massachusetts were recalled:
Customers who have purchased the recalled product should return it to the place of purchase for a full refund.
Consumers in doubt can contact the company by calling 1-718-412-0498 from Monday to Friday from 9 am to 5 pm (ET).
BMW North America recalled 230,117 models 2000-2002 BMW 320i, 323i, 325i, 325xi, 330i, 330xi, 323Ci, 325Ci, 330Ci, M3, 323iT, 325iT and 325xiT veh.
Ruth’s salad of Charlotte, North Carolina recalled 7 ounces. A container of Ruth’s original allspice jam.
The recalled product has the number 16, and the sale date is April 30, 2017. It has been distributed in grocery stores in parts of North Carolina, South Carolina, Georgia, and Virginia and Tennessee.
Customers who have purchased the recalled product should return it to the place of purchase for a full refund.
Consumers in doubt can call the company at 800-532-0409 between 7 am and 3 pm Monday to Friday. Consumers who call after get off work may leave messages.
It is an understatement to say that North Dakota authorities do not appreciate the opposition led by Standing Rock Sioux against Dakota Passage.
The pipeline was originally planned to traverse under the Missouri River near Bismarck until federal regulators expressed concern that the site was a “high-risk area” and was too close to Bismarck’s municipal water supply facilities. Now, the pipeline is almost ready to cross Lake Oahe. The dam is still connected to the Missouri River, but is reserved by Standing Rock Sioux, 40 miles south of Bismarck. Beside the ground.
Workers and equipment have been working on the controversial drill floor over Lake Oa for several months. The only obstacle to the completion of the energy transfer partners is the easement of the Corps of Engineers. The Corps of Engineers announced in December that it is considering an “alternative route” and is currently conducting further environmental review or environmental review of the project. The impact statement is officially called.
Although a bill introduced at the state level could fatally change the situation, the protesters literally blocked the pipeline. North Dakota Representative Keith Kempenich’s bill has received widespread attention. The bill will provide legal protection for those who “accidentally” drive protesters if they block the road.
But this is just one of many bills he helped sponsor this legislative session on pipeline protesters. The other bills listed in Kempenich’s name can do the following; order North Dakota to require Congress to “return the land and mineral rights of Lake Oa, North Dakota, to North Dakota,” a lawsuit against the Corps of Engineers , Demanding compensation of not less than 17 million U.S. dollars as a result of the Dakota access to the pipeline protests, “increased penalties for criminal trespass and requested the federal government to transfer control of all American Indian police States to “improve the failed Indian retention system.”
On the lighter side, Kempenich also co-sponsored a bill requiring state legislators to set January 27, 2017 as a statutory holiday to celebrate cowboy events, called “American Cowboy Day.”
At the same time, law enforcement agencies continue to try to directly end the Sioux resistance movement. Late Wednesday, armed men from local and federal agencies raided a new camp organized by the protesters near the Lake Oa Drilling Site, resulting in the arrest of 76 protesters reportedly. In previous confrontations between the camp and the police, dozens of protesters have been arrested, and some protesters are now facing felony charges.
President Trump’s recent memo called for a rapid review of the pipeline, but this did not change the fact that the Corps had agreed to implement a new Environmental Impact Statement, taking into account the alternative route for the project in December. Two lawmakers recently claimed that the necessary easements for the pipeline have also not been approved.
As DeSmogBlog reported last year, Republican Senator John Hoeven, representing North Dakota, has invested in 68 different oil wells in the state and invested in energy transfer partners.
A staunch supporter of Dakota’s access pipeline project, Hu Fen was also recently elected as the chairman of the Senate Committee on Indian Affairs. On January 31, Hoeven issued a statement claiming that the Dakota Access Pipeline operator had obtained all the approvals required to complete the project.
“Today, Rober Speer, Acting Secretary of the Army, told us that he has instructed the Army Corps of Engineers to perform the necessary ground service to complete the construction of the Dakota Pass,” Howen’s office wrote on his website . “This will enable the company to complete the project, which can and will have the necessary security features to protect the Standing Rock Sioux tribe and others downstream.”
Congressman Kevin Cramer, who represents North Dakota in the House of Representatives, issued a similar statement, assuring his voters that “the Department of Defense is approving the Dakota Pass Pipeline for service, and Congress notices that it is coming.”
But the reality is that, as pointed out by the Standinyan tribe and its attorneys, the corps must still comply with the environmental review process it initiated in December. In fact, just this week, the Legion opened a public comment period for the pipeline, which is the next step in its environmental impact reporting process. The public must communicate their ideas about the project to the Corps by February 20th.
Army spokesperson Major General Malcolm Frost’s steps outlined in the January 24 Presidential Directive required a rapid review of the pipeline, but he added, “These initial steps do not indicate that the permit has been approved. Once the comprehensive review and analysis is completed in accordance with the instructions, the Assistant Secretary of Civil Engineering of the Army will make a decision on the pipeline.”
The reason or motivation for the legislator’s premature celebration claim that the easement has been granted is unclear, as the Consumer Affairs Office did not leave any reply.
At the same time, claiming to be a NODAPL protester or water protector is not the only environmental organization that has seen the House of Representatives and Senate controlled by the Republican Party hinder its efforts.
Among the 228 members of Congress in the House of Representatives is Cramer, who recently voted to overturn the so-called stream protection rules imposed by the Obama administration. Opponents believe that this rule killed jobs in the coal industry. “North Dakota does not need stream protection rules, and neither does the country.” Kramer said in the House of Representatives on Wednesday.
As if all the political turmoil about immigration is not enough, thousands of Hispanics have lost their favorite TV channel. Univision turned black on Char…
An environmental group published a study suggesting that fast-food consumers should worry about more than just calories when ordering hamburgers and French fries.
Memory loss is a disease that affects millions of people around the world, including people with diseases such as Alzheimer’s disease and dementia. However, despite extensive research on this topic, the medical community is constantly looking for new explanations to explain this disease.
One of the latest news comes from Dr. Carlos Saura of the Barcelona Institute of Neuroscience (Inc). He believes that the loss of associative memory is a key factor leading to widespread memory loss, and he has traced it to a molecular mechanism that occurs in the hippocampus of the brain.
In a basic sense, Saura believes that a certain brain protein called CRTC1 is destroyed in the brains of patients with neurodegenerative diseases. He explained that this is important because CRTC1 is responsible for regulating neuronal function, which can store associative memories. He said that restoring CRTC1 functionality may reverse the memory loss.
Sola said: “The significance of this discovery is that even in the late stage of neurodegeneration, the activation of certain neurons in the hippocampus can reverse memory loss.”
Associative memory is important for remembering many information processed by our brain. It involves remembering people, situations and places for a long time. However, previous research has shown that it is the first cognitive decline in patients who develop Alzheimer’s, dementia and other neurodegenerative diseases.
Saura’s research used gene therapy in mouse models with neurodegenerative symptoms. The researchers inserted a copy of CRTC1 into the hippocampus of the model brain and observed whether they remembered unpleasant experiences.
The mice treated with this therapy were able to remember negative experiences and change their behavior to avoid this, while the untreated mice showed normal behavior. These findings provide hope for possible treatments for memory loss in the future.
Sora concluded: “These results are exciting because they provide strong support for potential translation applications in the clinic, because this molecular mechanism may be a new goal to reverse the memory decline of patients with dementia.”
As we recently reported, cardiologists are paying more and more attention to the disease known as “hidden hypertension.”
In this case, the patient has to get one or two normal blood pressure readings in the doctor’s office every year, but the blood pressure is higher than the normal reading in many of his or her daily tasks. Doctors say that regular blood pressure checks are a way to identify patients who have unknowingly suffering from high blood pressure.
As early as May, the U.S. Food and Drug Administration (FDA) issued a 510(k) permit for new medical devices, which may prove to be a useful tool for this work. CareTaker Medical said its wireless continuous non-invasive “beat-by-beat” blood pressure (“cNIBP”) and heart rate monitors provide constant blood pressure monitoring.
The device uses a low-voltage wristband that is attached to a small device worn on the wrist. It measures the heart rate on the remote display. It is designed for use in hospitals and during patient transfer, but the company says it can also be used after patients are discharged.
“CareTaker is a real game changer, allowing doctors to remotely monitor medical-grade continuous blood pressure and heart rate from anywhere with a patient finger cuff”, Johns Hopkins University Professor and Chair of Medicine Jay · Dr. Sanders said. Honorary retirement from the American Telemedicine Association.
He said that in the past, most doctors had to use cuffs to adapt to intermittent blood pressure readings, which he said would produce misleading results.
Sanders said: “In a remote monitoring environment, the ability to collect continuous blood pressure and vital signs data from this integrated, easy-to-use device will provide better information and improve patient compliance, while reducing costs and workload. .”
The company said its device can provide “ICU-quality” continuous readings without the need for catheters or bulky wires, which were typically included in previous continuous blood pressure reading devices. The company said in an email to ConsumerAffairs that the device is not a pulse transmission time method, but “a new way to track blood pressure.”
Researchers at Stony Brook University and Columbia University used 24-hour ambulatory blood pressure monitors to conclude that as many as 17.1 million people may have masked hypertension.
Companies initially despised online reviews, but gradually saw them as an important part of their research.
Many consumers try to buy products made in the United States, but they do not always get the products they want to buy. Subject to iSpring water filtration system.
At this point, this is a clear trend. Internet commodity fraud has once again become a report by the National Consumer League (NCL) Fraud.org.
The Trump administration has been very busy in the early days of its establishment, and the company is quickly trying to adapt to potential new policies and regulations. A major issue that has caused widespread concern is the president’s position on imposing taxes on imported goods. If foreign companies want to continue to sell products to American consumers, it may cost them a lot of money.
South Korean giant Samsung is one of the companies that may try to avoid taxes. Reuters quoted a source familiar with the situation as saying that the company is considering building a factory in the United States to produce household appliances.
The company said in a statement: “We will continue to evaluate new investment needs in the United States to help us provide the best service to our customers.”
Although Samsung has not confirmed its plans for the development of its US plant, it said it has made major investments in various states and pointed out that it has spent $17 billion to build a chip factory in Austin, Texas.
However, Samsung is not the only company considering such initiatives. Other South Korean companies such as Hyundai Motor Group and LG Electronics have also taken preemptive measures to develop business in the United States.
Hyundai Motor issued a statement last month stating that it plans to increase US investment by $3.1 billion in the next five years, an increase of 50%. LG Electronics announced earlier this month that it would consider whether to establish a manufacturing base in Tennessee.
A person familiar with the matter said: “This is something LG has been considering for many years, but the current political situation is only accelerating the timetable for making a decision.”
Although this move will help these companies exempt import taxes under future policies, financial analyst Jay Yoo of Korea Investment said that doing so will not cause too much financial burden for any designated company.
He said: “Of course, the cost will increase, but if you don’t, you will be hit by tariffs.”
Super Bowl Sunday is like Thanksgiving. There is a lot of eating and watching football on the sofa.
Just like Thanksgiving, people have the opportunity to gain weight through excessive obsession.
Charles Platkin, executive director of Hunter College’s New York City Food Policy Center and editor of DietDetective.com, said that most people may not know how many calories they consume on the day of the game and how much energy they need to burn before they leave.
Therefore, Platkin proposed a typical Super Bowl party menu and calculated the energy required to burn calories. The results may surprise you.
For example, the staple food of any football party is buffalo crispy chicken wings, usually served with a delicious blue cheese sauce. You may have knocked down 10 of them before the intermission.
But the total calories of these 10 wings is 950 calories. When dipped in blue cheese sauce, their calories will surge to 1,400 calories.
Platkin said that to burn all these calories, you need to run 149 football fields. Is it convenient to have no calculator? Let me do the math for you. This is equivalent to driving 8.4 miles.
But this is not a Super Bowl without wings, right? Platkin says that you just need to eat less and make your own wings, first peeling them, then baking them instead of frying them. You can also use hot sauce instead of salad dressing.
Maybe Subway’s one-foot-long meatballs are on the Super Bowl menu. Yes, it is delicious, with Provolone cheese and marinara sauce and double meatballs on a hearty Italian roll.
If you eat the whole thing, it is 932 calories. To burn them, Platkin said, you need to climb the stadium steps for an hour and 49 minutes.
His suggestion? Pair with Turkish meatballs, low-fat cheese and whole wheat heroes. Or try Subway’s oven-roasted chicken, the one-foot-long version only has 467 calories.
A lot of liquid calories were also consumed during the competition. Drink four sips of Samuel Adams (Samuel Adams) Boston Lagers beer (limited to one sip per season) and still drink a total of 720 calories. This is the basis for the calories in the food you eat.
Platkin said that to burn these calories, you need to play 68 minutes of professional football, and uninterrupted between matches or during breaks.
You can always reduce your beer consumption to two small glasses of beer, each of which can only contain 55 calories.
Although they may not be able to solve the problem until later in life, buying a house is still part of the millennial plan. The same is true for their young people.
According to the Institute of Supply Management (ISM), January is another good month for the manufacturing industry and the entire economy.
In the latest “Manufacturing ISM Business Report”, the Purchasing Management Index (PMI) recorded 56% last month, a continuous increase of 1.5% from the level above 50 in December and the fifth consecutive month. This is an expansion and The dividing line between shrinkage.
The new orders index was 60.4%, up 0.1% from December; the production index rose 2.0% to 61.4%; the employment index rose 3.3% to 56.1%.
Raw material inventories increased by 48.5% and 1.5%; the price index rose by 3.5% to 69%, indicating that raw material prices have risen for the 11th consecutive month.
Employment consulting agency “Challenger”, “Gray and Christmas” reported that the country’s bosses plan to cut 45,934 salaries in January, an increase of 37% from December, the highest salary level since April last year, when there were 64,141 Workers were released.
The four major layoffs announcements in January occurred in the retail sector, and Macy’s report plans to close 68 stores and lay off 10,000 workers.
“Overall, this is a solid holiday shopping season,” said John A. Challenger, CEO of Challenger, Gray & Christmas. “But several retailers, including Macy’s, cannot take advantage of stronger consumer confidence and consumption.”
The retailer announced a total of 22,491 planned layoffs last month, accounting for 49% of the total number of layoffs that month. The total for January is almost unchanged from the same month a year ago.
At the same time, the energy department laid off 20,103 jobs in January 2016. According to reports, only 1,853 layoffs are planned to be initiated in 2017.
The challenger pointed out: “In the second half of 2016, oil prices have begun to rebound. He added: “As the government is very friendly to the development of oil, natural gas and mining, many people predict that oil will continue to grow rapidly. These companies turned losses into profits in 2017. The fact that the number of layoffs in the industry in January decreased by 91% compared with the same period last year clearly supports this prospect. ”
A year ago, there was a wave of layoffs in the computer industry, and employers announced plans to lay off 11,003 employees. However, this year, the total number of layoffs announced by these companies was 2,211, a drop of 80%.
The challenger pointed out: “The layoffs will not be the headlines of the technology industry this year.” “This is likely to be a labor shortage, especially if the new government continues to increase boarding students to immigrants, many of whom come to the United States to work in leading technology companies. ”
The Department of Labor (DOL) reported that in the week ending January 28, the number of people applying for unemployment benefits for the first time in the United States totaled 246,000, a decrease of 14,000 from the revised level of the previous week. At the same time, the DOL report raised the level of the previous week by 1,000.
Some economists believe that due to the relative lack of volatility, the four-week moving average is a more accurate barometer of the labor market, and the index rose 2,250 points to 248,000. The average price of the previous week was raised by 250.
The United States Smokeless Tobacco Company (USSTC) is recalling some of its smokeless tobacco products produced at its Franklin Park plant in Illinois and distributing them nationwide.
The company has received eight consumer complaints about exotic metal objects (including sharp metal objects) found in specific cans.
In each case, consumers can see the object, and there are no reports of consumer injuries.
The recall applies to batches that do not have any printed codes on the bottom of the can or codes that begin with the letters “F”, “R”, “K” or “P”.
Extra long cut natural long cut mint long cut southern mixed bag mint bag holly long cut (overseas military only) fine cut (overseas military only) long cut straight (overseas military only) long cut holly (overseas military only) pouch ( Overseas military only)) Fine cut plastic cans (available only in Alaska and Hawaii) Long cut plastic cans (available only in Alaska and Hawaii) Bagged plastic cans (available only in Alaska and Hawaii)
The recall applies to batches that do not have any printed codes on the bottom of the can or codes that begin with the letters “F”, “R”, “K” or “P”.
The recall applies to batches that do not have any printed codes on the bottom of the can or codes that begin with the letters “F”, “R”, “K” or “P”.
Bandit Peppermint Bandit Wintergreen Long Cut Apple Mixed Tobacco Long Cut Berry Mixed Tobacco Long Cut Cherry Citrus Mixed Tobacco Long Cut Classic Peach Mixed Tobacco Long Cut Peppermint Bag Apple Tobacco Mixed Bag Berry Tobacco Mixed Bag Citrus Tobacco Mixed Snuff Mint Snuff Smooth Mint Xtra Long Cut Mint Xtra Long Cut Thick Tobacco Blend Xtra Long Cut Wintergreen Xtra Pouch Crispy Tobacco Blend Xtra Pouch Mint Blend Xtra Pouch Thick Smoke Blend Blend Fine Cut Wintergreen (Only Overseas Military) Long Cut Mint (Only Overseas Military) Long Cut Straight (Only Overseas Military) Only) Long cut holly (for overseas military only) Pouch mint (for overseas military only) Pouch holly (for overseas military only)
The recall applies to batches that do not have any printed codes on the bottom of the can or codes that begin with the letters “F”, “R”, “K” or “P”.
The vehicle is equipped with a convex right outside rearview mirror instead of a non-convex (flat) right outside rearview mirror.
Therefore, their vehicles do not meet the requirements of Federal Motor Safety Standard (FMVSS) No. 111 “Rearview Mirror”.
If equipped with the wrong right side mirror, the driver may misjudge the distance of other vehicles, thereby increasing the risk of collision.
GM will notify car owners that dealers will replace convex mirrors with non-convex mirrors and add new pages and customer notices to the customer manual for free. The manufacturer has not yet provided a notification schedule.
Hong Kong 3i Corporation recalled 317,100 Safford/Lakeview bar chairs sold in the United States and Canada, and the legs may have separated from the center.
The recalled product is sold at 2 pounds. Plastic bags with UPC number 85641400172 and “use date” of November 5, 2017 or earlier.
It was distributed to the following stores in Florida from December 24, 2016 to January 22, 2017:
Customers who purchased the recalled product should discard it or return it to the local store for a full refund.
If in doubt, consumers can contact Barberi International by calling (786) 845 0037 from Monday to Friday from 8:00 am to 5:00 pm (Eastern Standard Time).
Last June, Barack Obama signed an environmental bill into law, and the bill received rare bipartisan support in Congress. Frank R.
It is difficult to find a person who is completely satisfied with Internet services, but New York State Attorney General Eric Schneiderman said New Yorkers are in danger.
The bill will expire today because of the collapse of RushCard (certified partner) last year, which prevented thousands of consumers from using their money to pay for basic necessities. The Consumer Financial Protection Bureau ordered MasterCard and UniRush to pay consumers $10 million in compensation and fined them $3 million.
In the failure of last October, MasterCard and UniRush experienced a series of system failures, which meant that many customers could not use their RushCard (certified partner) to obtain salary and other direct deposits, withdraw cash, make purchases, and pay bills. Or get accurate balance information. CFPB stated that UniRush subsequently failed to provide adequate customer service to many consumers who sought help during the service interruption.
CFPB Director Richard Cordray said: “The failure of Mastercard and UniRush has deprived tens of thousands of disadvantaged consumers of their own funds and plunged some into personal financial crises. “The company must set the right things for consumers and ensure that such disruptive service interruptions will not happen again.”
RushCard (a certified partner), co-founded by entrepreneur Russell Simmons, is advertised as a way for consumers to directly deposit money on their card “within two days at most.” These deposits include government benefits or wage funds.
In 2014, UniRush chose MasterCard as its new payment processing program. MasterCard and UniRush spent 13 months preparing to switch to MasterCard’s processing platform, which was finally held from October 10 to 12, 2015, but progress was not smooth. At the time of conversion, RushCard (certified partner) had approximately 650,000 active users, of which approximately 270,000 users received direct deposits on its RushCard (certified partner).
The actions of MasterCard and UniRush before, during and after the conversion hurt thousands of consumers. Within a few weeks of switching the payment processing program, CFPB received approximately 830 consumer complaints from users of RushCard (authorized partner).
Consumers who refuse to use their own money: UniRush did not accurately transfer all accounts to MasterCard. As a result, thousands of consumers cannot access the funds stored on their cards for days or even weeks.
Delayed processing of deposits and payments: UniRush delayed the processing of direct deposits for more than 45,000 consumers, without processing or improperly returning 2,000 other deposits. As a result, consumers cannot get their salary or government benefits.
Providing consumers with incorrect account information: When MasterCard refused to authorize certain transactions, MasterCard could not ensure that it sent UniRush accurate information about the consumer’s account balance. Some consumers received incorrect information telling them that their account balance was zero when they actually had funds on their cards.
Inability to provide customer service to consumers affected by the failure: UniRush does not have enough plans to strengthen its customer service response to meet the increased demand due to service interruptions. Some consumers who called customer service waited for several hours and were unable to obtain important information about their funds and account status.
According to the terms of the order of the Bureau of Radiocommunication, the amount of money each consumer will receive depends on the particular failure experienced by that consumer. UniRush will send money to affected consumers. Individual consumers do not have to take any action to receive compensation, which will be based on UniRush records.
Car sales may slow down, but if so, you can’t blame Volkswagen, which has been issuing cash to hundreds of thousands of “clean diesel” cars.
Earlier this month, when Amazon announced that it would create 100,000 American jobs by mid-2018, it attracted some attention. The popular online retailer plans to open new warehouses in Texas, Florida, California, and New Jersey, but another move may bring thousands of jobs to Kentucky.
The company announced today that it will build a cargo airline hub at Cincinnati/Northern Kentucky International Airport in the northern part of the state. It is estimated that as many as 2,700 people may eventually work at the location, but officials said there were only 600 full-time positions initially. It is expected that the jobs created will include personnel, pilots, ground support, management and maintenance positions.
“When we considered it as a long-term home for aviation hub operations, Hebron quickly rose to the top of the list with a large team of skilled workers, a concentrated location and a good connection with fulfillment locations near us, as well as an excellent quality of life. Employees. We firmly believe that with these qualities as a place to conduct business, our investment will provide good support for Amazon and customers in the future.” said Dave Clark, Amazon’s senior vice president of global operations.
It is no secret that Amazon has been trying to build its own air transportation network. After showing off its first branded cargo aircraft in August last year, Clark commented that doing so will “(expand) our capabilities to ensure that our Prime members can deliver goods at a faster rate in the next few years.”
The Hebron hub was approved to lease 900 acres of land, which will eventually house 40 Amazon Prime aircraft, which will transport packages between warehouses. Cincinnati Business Courier estimates that the project will cost about $1.49 billion, and Amazon will receive up to $40 million in tax incentives from the local government.
This move may be beneficial to consumers across the U.S. After the center is up and running, they may experience faster delivery times. Amazon should also be able to cut some of the costs of working with third parties, even though the company said its cargo planes are only to supplement cargo companies.
Analyst Colin Sebastian estimates that the company will see more than $400 billion in market opportunities in delivery, freight forwarding and contract logistics. However, it has not announced the start date of the center.
A year later, in addition to the smooth wind, millennials seem to be worried about their future. In Europe, Brexit and controversial presidential elections, terrorist attacks have shaken many millennials, who want their workplaces to provide a sense of stability.
Deloitte’s sixth annual millennium survey found that young professionals are less likely to leave their jobs with a sense of security, are more worried about the uncertainty caused by conflict, and are not optimistic about the direction of the country.
Deloitte Global CEO Mr. Punit Renjen said: “This pessimism reflects that the personal concerns of millennials have changed.”
“Four years ago, climate change and resource shortages were the top concerns of millennials. This year, crime, corruption, war and political tensions are haunting the minds of young professionals, which affects their personal and professional prospects.”
Because of their shaky confidence and growing anxiety, millennials are seeking stability and want to continue working.
Last year, the “loyalty gap” between those who saw themselves leaving the company within two years and those who wished to leave for more than five years was 17 percentage points. This survey shows that this year’s “millennials” hope to “leave as soon as possible” the balance is only 7 points.
Respondents stated that they intend to spend longer with employers who are engaged in social issues such as education, unemployment and healthcare. The survey pointed out that those who are the most optimistic about their country’s progress are more likely to report that their employers are involved in broader social and economic issues.
Jim Moffat, CEO of Deloitte Global Consulting, explained that millennials have the opportunity to contribute to charity in the workplace and make valuable contributions in the workplace. ’S overall social/political situation is less pessimistic and has a more positive view of business behavior.”
Young professionals feel most capable of making an impact through the workplace. Therefore, companies and large organizations can solve the pessimism of millennials by doing more for society.
“We are in the most advantageous position to solve many of the most challenging problems in society and to play a leading role in creating an economy suitable for all.”
With Valentine’s Day approaching, you may have begun to think about how to make this day a special day for your significant other. But who can help plan the perfect Valentine’s Day?
According to data from the National Retail Federation (NRF), last year, nearly 91% of consumers said they would buy something for their spouse or important others, and plan to spend about $147.
This year, shoppers are expected to spend slightly less on Valentine’s Day gifts, experiences and other purchases ($136.57). However, although consumers may be more frugal on Valentine’s Day, the occasion is still expected to be a popular day for gift-giving.
Fortunately, for those who are not the most gifted gifts, there are apps that can help you pamper your sweetheart.
Whether you plan to treat your important things as if you are having dinner, watching a movie, watching flowers, gifts or leaving an unforgettable experience, there is an app to help you execute those plans.
The experts of Gazelle ecoATM believe that the following applications can help you plan a very special Valentine’s Day:
There is no doubt that you will hear it several times in the next few weeks, so February is “National Heart Month” and there are many tips to stay healthy.
Hypertension is called the “silent killer” because many people don’t know they have high blood pressure. There are indeed no symptoms.
However, when blood passes through veins and arteries with too much pressure, it weakens the walls of these blood vessels, increasing the chance of rupturing at a certain point in time and causing a stroke. When the heart works so hard that it cannot draw blood, the organ becomes larger, which can cause heart problems in the future.
A Harris poll conducted on behalf of the American Academy of Family Physicians (AAFP) found that three out of ten people said they were diagnosed with high blood pressure. This is in line with the estimates of the Centers for Disease Control and Prevention (CDC).
A more disturbing statistic is that only 54% of people say their blood pressure is under control. Even more disturbing is that we are talking about people who know their blood pressure is outside the normal range. Many others may happily not realize it.
AAFP President John Meigs (Jr.) said: “This finding is worrying because we know that high blood pressure is closely related to heart attack or chronic heart failure.” “According to disease prevention and control. Center (CDC), seven out of ten people with a heart attack have blood pressure. One in ten people with chronic heart failure have high blood pressure. Therefore, it is important that people know that they are What is your blood pressure and can work with their family doctor for treatment.”
The good news is that high blood pressure is easy to treat. First, a healthy diet and lifestyle will help control blood pressure. Tobacco, excessive alcohol and a sedentary lifestyle are the main factors that cause high blood pressure.
However, there may be other factors that cause high blood pressure, which can affect even the healthiest people. But there are prescription drugs that can keep your blood pressure within a healthy range.
What is the range? Well, this is the subject of some recent debates. Although the medical community has set the ideal reading as 120/80 in recent decades, the medical team issued new guidelines at the end of 2013, recommending that patients over 60 years old will be well when their blood pressure is 150/90. The blood pressure goals of adults with diabetes and kidney disease have also been eased.
However, not everyone agrees with medicine, so it is a good idea to consult with your healthcare provider.
Meiggs said: “Check blood pressure.” “If you have high blood pressure, please work with your doctor to treat high blood pressure and reduce risk factors.”
Password protection and network security are the subject of our extensive coverage. Keeping sensitive information away from hackers can help protect assets and save you from headaches. Many people might think that hackers are anonymous and their unrecognizable power is driven entirely by their desire to take advantage of you. However, sometimes the hacker may be someone you know well.
This is the case in a hacking scandal in Major League Baseball (MLB). On Monday, Major League Baseball ordered the St. Louis Cardinals to hand over $2 million and two future draft picks to the Houston Astros after a former executive admitted to hacking the team’s database.
Chris Correa, the former director of baseball development for the Cardinals, admitted in court that he illegally accessed the Astros database five times between March 2013 and June 2014. During these unauthorized intrusions, he downloaded scouting reports for eligible players in the 2013 draft. , Notes on trade negotiations and evaluations of universities and international participants.
Correa is able to access the Internet due to the association with Jeff Luhnow, General Manager of Astros. Luhnow previously worked in the cardinal’s scouting department and then at Astros. When he left the team, he handed over a laptop owned by the team, which contained his password.
Unfortunately, Luhnow used a variant of the same password when working with Astros, and Correa was able to figure this out. This gives him access to the team’s database and email account.
During the preliminary investigation, the FBI found a large amount of evidence that linked the hacking incident to Correa, which eventually led to his plea. Major League Baseball then conducted its own investigation and decided that the Cardinals should take part of the responsibility for Correa’s actions.
“Although Mr. Correa’s actions were not authorized by the cardinal, according to Major League Baseball’s policy, I hold the cardinals responsible for his actions. Mr. Correa’s position on the cardinal’s front desk allows him to serve the club Provide input into the decision-making and process of the company. As a result, I am responsible for the misconduct of the club.” Major League Baseball Commissioner Rob Manfred said
The cardinal issued a statement saying that it respects the commissioner’s decision and hopes that the matter can now be resolved. The team will pay Astros a $2 million fine and confiscate the top two picks in the upcoming MLB draft.
Correa was sentenced to 46 months in a federal prison in July and was sentenced to $279,000 in damages for his actions.
News reports on self-driving car technology seem to have been resolved. In just a few years, all of us will ride in a car without a driver, taking us where we want to go.
Traffic accidents will be a thing of the past, because the computer that drives the car will never make mistakes.
But how realistic is that? Even if the technology is as error-free as engineers believe, how realistic are driverless cars for ordinary consumers?
First, there are costs. When you buy a new car today, you will find that advanced safety features and technical upgrades (for example, a warning for departure from the lane) are only available on the top of the line-decorated model.
In other words, if you buy an affordable basic model, you will not get it. Is there any reason not to believe that autonomous technology will be very expensive and can only be used on top models when introduced?
This means that in the first few years of introduction, self-driving cars will appear on the road, while cars and trucks will still be driven by humans. How does it work?
The auto insurance center spent some time thinking about this and asked consumers how much time they would spend in the car if they did not need to drive.
The center said the average one-way U.S. commute time is about 26 minutes. This is equivalent to less than one hour a day and about 4.3 hours of driving per week. When you consider taking your child to school, a trip to the grocery store, or a trip to town for the night, the travel time starts to really increase.
When the center asked 2,000 consumers how they would use this time, the overwhelming answer was “catch up with my reading.” Almost many people say they will call or start work.
Are you upset that the computer can safely take you from point A to point B? In fact, in the United States, 35% of consumers said that even if they have a computer driving, they will always pay attention. However, consumers in the UK, Australia and China have reduced their trustworthiness requirements, and more of them say they are likely to become the driving force behind the scenes.
It turns out that nearly a quarter of American drivers say they are uncomfortable riding without a driver. But consumers in Japan and the UK are more cautious.
The author wrote: “As far as we know, not everyone likes to jump into new technology with both feet or eyes.”
Although some estimates indicate that self-driving cars will come out within three years, most consumers may have to face a longer time.
Each state, as well as the District of Columbia, has reached a settlement with Western Union and settled cases of wire transfer transactions in many countries.
Higher education followed closely behind. Over the years, students have paid astronomical tuition fees and usually require large student loans.
Will you bite the bullet and do your own tax, and hope to master all the changes in the tax law? Or, do you intend to turn a shoebox full of things into “professional” shoes and hope for the best?
No matter who prepares your return, by signing the return form, you are legally responsible for the accuracy of all the information contained.
To find the nearest VITA website, visit IRS.gov and search for the word “VITA”. Or download the IRS2Go app on your smartphone. You can also get site information by dialing IRS 800-906-9887.
To find the nearest AARP tax assistance website, visit aarp.org or call 888-227-7669. There are also VITA and TCE websites that provide bilingual assistance to taxpayers with limited English proficiency.
According to the law, all paying tax preparers must have a preparer tax identification number (PTIN). The paying preparer must sign the declaration form and include his PTIN. The Internal Revenue Service provides some tips to help taxpayers choose tax filers wisely. The “Select Tax Professional” page contains information about the credentials and qualifications of the tax preparer. The IRS Federal Tax Filing Compilers Directory with certificates and “select qualifications” can help you identify many local compilers based on the type of certificate or qualification.
Taxpayers should avoid night preparation staff who may be unavailable after the due date on April 18 this year, or charge a certain percentage of the refund.
Keep in mind that a new law requires that all refunds for returns claiming to have an income tax credit (EITC) or an additional child tax credit (ACTC) should be retained until February 15. This change helps the IRS detect and prevent fraud.
A pair of all-electric vehicles-2017 Tesla Model S and BMW i3-missed the opportunity to meet the standards awarded by the Insurance Institute for Highway Safety (IIHS).
David Zuby, executive vice president and chief research officer of IIHS, said: “There is no reason to believe that the most efficient vehicle is not the safest.” We hope that Tesla and BMW will continue to refine the design of their electric models. To maximize the protection of the driver, and especially in the case of Tesla, improve its headlights. ”
The large luxury sedan Tesla Model S received a good score in all crashworthiness evaluations of IIHS, except for the small overlapping frontal crash test. In this test, it received an acceptable rating.
Although the side curtain airbags were lengthened to improve the small overlap protection of the Model S, Tesla encountered a problem in the test when the seat belt moved the dummy’s torso too far forward and the dummy’s head passed the airbag Severely hit the steering wheel.
In a realistic collision of the same severity, the head and lower right leg injuries indicated by the dummy may be measured.
The rating of Model S applies to 2016 and 2017 cars produced after October 2016. Tesla said it had made production changes on January 23 to address the head contact issue. IIHS will conduct a small overlap protection test on the updated vehicle as soon as possible after delivery.
The i3 is a small car that was only rated as acceptable in the headrest and seat evaluation. This standard measures the vehicle’s ability to prevent neck injuries in a rear collision. Although these injuries are rarely fatal, they are the most common type of crash injuries and can cause debilitating pain.
i3 has received good evaluations in other crashworthiness tests, and is equipped with an optional front collision avoidance system, which has received high evaluations.
The system reduced the impact speed by an average of 9 mph in the 12 mph tracking test and 7 mph in the 25 mph test. The warning content complies with the standards of the National Highway Traffic Safety Administration.
Zube said: “BMW obviously considered a lot of safety when designing the i3.” “Unfortunately, it did not leave marks on the headrest, which is the correct approach for most vehicles today. In small cars, the i3 is 2017. The only model that did not receive a good rating in the year.”
Once widespread adoption later this year, IIHS plans to test another green car, the all-electric Chevrolet Bolt.
After creating a disappointing 151,000 private sector jobs in December last year, the U.S. economy raised it by a notch last month.
According to the “ADP National Employment Report”, nearly 250,000 new jobs were created last month, or 246,000.
Ahu Yildirmaz, vice president and co-head of the ADP Institute, said: “The US labor market is taking a hit, and we see that small and medium-sized companies are performing exceptionally well.”
In fact, this report, prepared by ADP Research Institute and Moody’s Analytics, shows that medium-sized companies are in a leading position, adding 102,000 new salary positions.
The number of employees employed by companies that provide services increased by 201,000, while companies that produce goods employed another 46,000.
Mark Zandi, chief economist at Moody’s Analytics, called the report a “strong start” for 2017, adding that even the energy industry (with 6,000 new jobs) has increased again employed population.
According to data released by the Mortgage Bankers Association (MBA), mortgage applications fell 3.2% in the week ending January 27, including adjustments to the Martin Luther King Jr. Day holiday.
The refinancing index fell by 1% from the previous week, increasing the share of mortgage loan activity from 50.0% in the previous week to 49.4% of the total application volume.
The active share of variable rate mortgages (ARM) rose to 6.4%, the share of FHA in total applications fell from 13.6% a week ago to 12.1%, the share of VA increased from 12.2% to 12.4%, and the share of USDA increased from last week. Of 12.2% rose to 12.4%. The total number of applications remained unchanged at 0.9%.
The recall involves La-Z-Boy Kayla rotating dining chairs and recliners. The chair is made of aluminum and steel, with a circular rotating base, and a dark blue fabric covered cushion.
La-Z-Boy is printed on the gold label on the back of the chair. Chairs are sold in the four-piece lounge and five-piece dining table.
These chairs made in China will be sold exclusively online on Sears.com from January 2016 to July 2016. The four-piece lounge chair is about US$1,260 and the five-piece dining chair is US$1,300.
Consumers should immediately stop using the recalled chair and contact Brown Jordan Services to obtain a free repair kit.
Consumers can call Brown Jordan Services free of charge at 855-899-2127 from 8 am to 5 pm (Eastern Time) from Monday to Friday, or they can visit www.bjsoutdoor.com online and click “Customer Service”, Then click “Recall Information” to learn more. information.
Worldwide Casual Living Worldwide, located in Simpsonville, Kentucky, recalled about 2 million rotating patio chairs sold in the United States, Canada and Mexico.
The company has received 25 reports of broken chairs, causing falls and bruises.
The recall involves the Hampton Bay Anselmo, Calabria and Dana Point chairs, as well as the Martha Stewart lifestyle brand Cardona, Big Bank and Wellington swivel chairs.
The chair is made of aluminum and steel with a circular rotating base and armrests. The chairs are sold in pairs and as part of a seven-piece terrace with a table.
The chair is made in China and sold exclusively in HomeDepot stores and online HomeDepot.com nationwide from January 2007 to February 2016. The two-piece terrace set is about US$190 and the seven-piece terrace set is about US$500.
Consumers should stop using the recalled chair immediately and contact Casual Casual Worldwide to obtain a free repair kit.
Consumers can contact Global Leisure Life free of charge at 855-899-2127 from 8 am to 5 pm (Eastern Time) from Monday to Friday, or visit www.casuallivingoutdoors.com online, and then click “Customer Service “And “Recall Information” for more information. information.
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