Current Events in March 2017

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    How paying a little extra can reduce your debt faster

    LendingTree calculator shows just how expensive interest is

    Debt can be a crushing burden. Just ask someone with a huge credit card balance or thousands of dollars in student loans.

    But what makes debt such a problem is the borrowed money must be repaid, along with interest on the debt. If you make only the minimum credit card payment or the amount due on your mortgage, you'll end up paying thousands of dollars in interest before you ever pay off the balance.

    Is there a way to do it faster? Yes, according to the experts at LendingTree, but it requires a little financial sacrifice. You need to pay a little extra on your loan debt each month, meaning you'll have less disposable income.

    Interest calculator

    But if you do that, the loan balance will go down faster. LendingTree has an interest calculator on its website so you can check out some different payment scenarios.

    First, let's look at a $10,000 credit card balance with an interest rate of 15.2% APR, making a minimum payment of $225 a month. It would take you five and a half years to pay it off and cost nearly $5,000 in interest.

    Now, add $200 a month to your payment, paying $425. According to the calculator, the time it would take to get the balance to zero is more than cut in half. You would also pay less than $2,000 in interest.

    Some people also pay extra on their mortgage each month. It not only pays it off faster, less of each payment goes to interest and more goes against the principal.

    Look at a 30-year fixed-rate mortgage for $230,000 at 4.9%, with a monthly payment of $1,230. But suppose you decided to pay an extra $100 dollars a month. Now, you will pay off the mortgage four years earlier and save $35,000 in interest.

    Pay it off as fast as possible

    "The far better way to deal with debt is to pay it off as quickly as possible," the experts at LendingTree advise. "To do this, you’ll need to spend less, earn more, or ideally both. As you find creative ways to cut back and increase your income, you’ll want to make sure you’re getting the very best interest rate for the debt you do have."

    From a financial standpoint, LendingTree says the "avalanche" method of debt repayment, paying off the loans with the highest interest first, regardless of the loan amount. The "snowball" method is where you pay off the debt with the smallest balances first, working up to the largest balances.

    Both methods, says LendingTree, are better than the traditional method -- just making the minimum payment.

    Debt can be a crushing burden. Just ask someone with a huge credit card balance or thousands of dollars in student loans.But what makes debt such a pro...

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      How much house can you afford?

      Four sets of numbers will give you a good idea

      So you've been looking online at real estate and are tired of having your rent go up every year. You've decided to take the plunge into home ownership.

      Great, but before you start looking, you have to figure out how much house you can afford. It doesn't do any good to fall in love with that place in Cape Cod on a tree-lined cul de sac if you can't afford it.

      How can you tell if you can afford it? The folks at Trulia say it boils down to understanding four sets of numbers.

      The first is your credit score. This number tells potential lenders the level of your creditworthiness. A high score -- over 720 -- means you are judged to be a low risk and you'll qualify for a low mortgage rate.

      Will determine your interest rate

      If your credit is kind of iffy, you can still get a loan, but the rate will be higher. A higher interest rate will mean your monthly payment is going to be more than it would be if you had great credit. This difference in monthly payment could mean the difference between the house you really want or one you'll settle for.

      The next number is the amount of your down payment. A traditional down payment is 20% of the purchase price, but if it is your first home then it might be hard to come up with that much money.

      That's why many first-time buyers use a government-guaranteed FHA loan, which requires only a 3.5% down payment. Some conventional loans now require as little as 3%.

      If the house you want costs $200,000, you would need $7,000 for a 3.5% down payment. If you only have $6,000 saved up, you might have to look for a less expensive home.

      Mortgage insurance

      If you put less than 20% down you will be required to pay for mortgage insurance, which will add to the cost of your monthly payment. It can be another factor affecting affordability.

      A third set of critical numbers is your debt-to-income ratio. This is the balance between your monthly income and your other debt obligations, such as car loans and credit card payments.

      First a lender will look at the percentage your mortgage payment will take out of your monthly income. It will want to see that the percentage is no higher than 28%.

      Once your other debt obligations are factored in, the lender will want that number to stay below 36%, although FHA loans will allow a slightly higher debt-to-income ratio.

      The final set of numbers is the value of your assets. Even though you have an income substantial enough to make the monthly mortgage payment, a lender will also be more comfortable if you have savings and investments you can rely on if you suffer a financial setback.

      There is no set number it wants to see, but the higher the value, the better.

      So you've been looking online at real estate and are tired of having your rent go up every year. You've decided to take the plunge into home ownership....

      Annual gain in home prices sets 31-month high

      January prices were also up from December's level

      Home price gains continued in January on both a year-over-year and month-over-month basis.

      According to the S&P CoreLogic Case-Shiller Indices, the National Home Price NSA Index, covering all nine U.S. census divisions, jumped 5.9% from a year earlier, setting a 31-month high.

      The 10-City Composite was up 5.1%, and the 20-City Composite reported a rise of 5.7%.

      Seattle, Portland, and Denver had the highest year-over-year gains among the 20 cities over each of the last 12 months. Seattle led the way in January with an 11.3% year-over-year price increase, followed by Portland (+9.7%) and Denver (+9.2%).

      Twelve cities reported greater price increases in the year ending January 2017 versus the year ending December 2016.

      “Housing and home prices continue on a generally positive upward trend,” said David M. Blitzer, managing director and chairman of the Index Committee at S&P Dow Jones Indices.

      “The recent action by the Federal Reserve raising the target for the Fed funds rate by a quarter percentage point is expected to add less than a quarter percentage point to mortgage rates in the near future. Given the market’s current strength and the economy, the small increase in interest rates isn’t expected to dampen home buying. If we see three or four additional increases this year, rising mortgage rates could become a concern."

      Month-over-month

      Before seasonal adjustment, the National Index posted a month-over-month gain of 0.2% in January. The 10-City Composite was up 0.3% and the 20-City Composite inched ahead 0.2%.

      After seasonal adjustment, the National Index recorded a 0.6% month-over-month increase, while both the 10-City and 20-City Composites each reported a 0.9% advance. Thirteen of 20 cities reported increases in January before seasonal adjustment; after seasonal adjustment, 19 cities saw prices rise.

      “While prices vary month-to-month and across the country, the national price trend has been positive since the first quarter of 2012,” said Blitzer. “Tight supplies and rising prices may be deterring some people from trading up to a larger house, further aggravating supplies because fewer people are selling their homes. At some point, this process will force prices to level off and decline -- however we don’t appear to be there yet.” 

      Home price gains continued in January on both a year-over-year and month-over-month basis.According to the S&P; CoreLogic Case-Shiller Indices, the Nat...

      California doubles down on clean car standards in challenge to Trump

      The Trump Administration is expected to try to loosen federal standards

      Defying President Trump, the California Air Resources Board (CARB) voted Friday to keep the state’s clean car regulations in place, reducing smog-forming emissions and other air pollutants from cars and passenger trucks.

      The move is seen as an open challenge to the Trump Administration, which is expected to loosen Obama Era regulations that govern most of the nation. But California's stiffer rules are followed by 12 other states, including New York and Pennsylvania. 

      With the additional states, California's rules cover 130 million people and more than a third of the auto market, in effect making California's clean air rules the de facto national standard since it's not economically feasiable for automakers to buid two versions of every car.

      It's possible the Trump Administration will challenge California's action and argue that federal rules pre-empt state-imposed standards, but existing law appears to be heavily on California's side. Under the Clean Air Act, California has longstanding authority to set vehicle emission standards that are tailored to its needs — and can be more protective than federal standards.

      "Vital protections"

      Environmentalists were quick to praise California's action. 

      “We strongly support California’s decision to maintain its protective clean car standards and to move forward in providing vital additional clean air protections over the long-term. Today’s vote means Californians will make forward progress in providing cleaner, safer air for our families and communities,” said Quentin Foster, Environmental Defense Fund’s California Climate director.

      In a prepared statement, CARB said the vote was "based on extensive technical analysis showing the standards are being achieved at a fraction of the estimated costs."   

      Experts who testified  before CARB noted that the array of pollutants from cars are one of the single largest threats to human health for millions of Californians. Pollution from cars and trucks contributes to smog and climate change. Vehicle pollution is linked to increased asthma attacks, an increased risk of heart disease and lung cancer, and more premature deaths.

      The Environmental Protection Agency also found, after an extensive and rigorous mid-term review, that the national Clean Car standards should stay as adopted. However, last week the Trump Administration announced that it would reopen that review, which could lead to weakening the standards.

      Defying President Trump, the California Air Resources Board (CARB) voted Friday to keep the state’s clean car regulations in place, reducing smog-forming e...

      Does your pet have springtime allergies?

      Tips for reducing your pet's exposure to seasonal allergens

      Just like humans, pets can suffer from seasonal allergies. But while pollen and other airborne environmental allergens might leave you sniffling and sneezing, a pet who suffers from allergies may show other symptoms.

      “Animals are susceptible to the same airborne allergens -- pollen, trees, grasses, mold and insects -- that we are,” Dr. Heather Peikes, a specialist in pet dermatology, told VetStreet.com.

      Knowing the signs of seasonal allergies is the first step toward alleviating your pet's uncomfortable symptoms. So, how can you tell if your pet is suffering from seasonal allergies? Skin irritation and itchiness can be a major tip-off, experts say.

      Signs of allergies

      Dog and cat allergies often take the form of skin irritation or inflammation -- a condition called allergic dermatitis. If you notice your pet scratching excessively or biting or chewing a certain area of their body, he or she may have springtime allergies.

      Other symptoms to watch for include itchy and inflamed ears, head shaking, and generalized redness (puffy red eyes, red oral tissue, a red chin, red paws). Your four-legged allergy sufferer might also develop open sores, scabbing, and areas of hair loss as a result of all that scratching.

      “Some pets get to the point where they’re so uncomfortable that they can’t play or rest properly,” Peikes said.

      Treating the condition

      While severe reactions -- such as behavioral changes or a foul odor inside the ears, on the lips, or in between folds of the skin -- may warrant a visit to the veterinarian, there are things pet owners can do to treat allergy symptoms and ease their pet’s itchiness.

      Here are a few ways to manage your pet’s environmental sensitivities at home:

      • Regular baths. Bathe your pet using a mild, plain shampoo or product like oatmeal colloid to wash away the allergens on his or her coat and skin.
      • Foot soaks. Wipe down your pet’s paws after they come in from being outside. Foot soaks can help reduce allergen exposure and itching and keep your pet from tracking allergens into the house.
      • Take off your shoes. To limit the amount of airborne particles that make it into your home, take off your own shoes after you come in.
      • Keep allergens out. Keep your home as allergen-free as possible for your furry companion by keeping the windows closed, vacuuming, and cleaning floors and pet bedding frequently.
      • Consult a vet. Your vet may recommend a treatment involving the use of antihistamines or omega-3 fatty acids, which have an anti-inflammatory effect. Some allergic pets may benefit from allergy shots or topical or oral steroids.

      Just like humans, pets can suffer from seasonal allergies. But while pollen and other airborne environmental allergens might leave you sniffling and sneezi...

      Why your salt intake may keep you running to the bathroom at night

      A study shows that cutting back on salt can help relieve nocturia symptoms

      There are plenty of reasons why you may not be getting a good night’s sleep, but perhaps one of the most common is the excessive need to go to the bathroom. The condition, called nocturia, occurs when an excess amount of urine is produced during the night. It primarily affects people over the age of 60, but it can develop at earlier ages for some people.

      The causes of nocturia have generally been chalked up to anxiety, infections, and other medical issues, such as overactive bladder syndrome and enlargement of the prostate, but researchers now say that consuming excess salt could be the culprit.

      “Night- time urination is a real problem for many people, especially as they get older. This work holds out the possibility that a simply dietary modification might significantly improve the quality of life for many people," said Dr. Matsuo Tomohiro of Nagasaki University.

      The salt factor

      Tomohiro and his fellow researchers conducted a study involving 321 Japanese men and women who had high salt intake and trouble sleeping due to nighttime urination. Over the course of 12 weeks, the researchers provided participants with guidance and support on how to lower their salt consumption.

      Over the study period, 223 participants were able to lower their salt intake by 2.7 grams per day. For this group, nighttime frequency of urination dropped from 2.3 times per night to 1.4 times per night. In contrast, 98 participants increased their salt intake by an average of 1.4 grams per day, which increased the frequency of nighttime urination from 2.3 times per night to 2.7 times per night.

      The findings indicate that salt intake does indeed factor into nocturia symptoms. The researchers believe that additional studies using more participants should corroborate their findings, and that future research will ultimately help consumers.

      "This is an important aspect of how patients potentially can help themselves to reduce the impact of frequent urination. Research generally focuses on reducing the amount of water a patient drinks, and the salt intake is generally not considered. Here we have a useful study showing how we need to consider all influences to get the best chance of improving the symptom,” said Dr. Marcus Drake.

      There are plenty of reasons why you may not be getting a good night’s sleep, but perhaps one of the most common is the excessive need to go to the bathroom...

      FCC alerts consumers to the "Can you hear me?" scam

      Consumers targeted by the scam should immediately hang up and report the call

      Back in January, we reported that scammers were trying to bring back the “Can you hear me now?” scam. In the newest iteration, a robocaller dials your number and if you answer, a person on the other end opens with the question “Can you hear me?”

      Unsuspecting consumers who answer yes to the question have their voice recorded by the scammers, who will splice the audio onto other questions and sign them up for services that can show up on their phone bill.

      The ploy has once again become so popular that the Federal Communications Commission (FCC) has sent out an alert to consumers. The agency has received many complaints from consumers saying that they were duped by supposed representatives of important organizations like mortgage lenders and utility companies.

      What to do

      The FCC has stated that consumers who receive a call opening with this question should immediately hang up the phone and report it to the Better Business Bureau’s Scam Tracker and the FCC Consumer Help Center. Those who have previously been targeted by the scam should be sure to check their bank, credit card lender, and telephone company statements for any unauthorized charges.

      The FCC is also providing the following tips to help protect against the scam:

      • Don’t answer calls from unknown numbers. Let them go to voicemail.
      • If you answer and the caller asks you to hit a button to stop receiving calls, just hang up. Scammers often use these tricks to identify, and then target, live respondents.
      • If you receive a scam call, write down the number and file a complaint with the FCC so that the agency can help identify and take appropriate action to help other consumers.
      • Ask you phone service provider if it offers a robocall blocking service. If it doesn’t, encourage it to offer one. Consumers can also visit the FCC’s website for information and resources on currently available robocall blocking tools.
      • Consider registering all of your phone numbers in the National Do Not Call Registry.

      For more information, consumers can visit the FCC’s site here.

      Back in January, we reported that scammers were trying to bring back the “Can you hear me now?” scam. In the newest iteration, a robocaller dials your numb...

      Preventing poisonings at home: ways to keep kids safe

      Tips for keeping little ones safe around laundry pods, prescription drugs, and other toxic household substances

      Curiosity can lead to the discovery of new concepts and skills, but it can also land kids in dangerous situations. When kids deem certain household items worthy of a taste test, a visit to the emergency room may follow.

      Young children can be tempted to taste fun-looking household items such as laundry pods, energy drinks, and candy-sized prescription pills. But ingesting these items can trigger a range of reactions, including breathing problems, accelerated heart rate, blocked intestines, and affected mental states. 

      To keep children out of harm's way in their home environment, experts are stressing the importance of taking poison prevention measures around the house.

      Most poisonings happen at home

      Approximately half of the 2 million poisonings reported each year to poison centers across the nation involve children under 6 years old. The vast majority (80%) of poison control calls originate at home, according to the American Association of Poison Control Centers.

      "As we get into spring and summer months, and children are spending more time at home … despite how much supervision we give them, children still are very capable at finding substances and possibly causing a poisoning emergency,” says Dr. Cyrus Rangan, a pediatric medical toxicologist at the Children’s Hospital of Los Angeles (CHLA).

      Ways to keep kids safe

      Rangan offers these tips for preventing kids from ingesting toxic household substances or unsecured medications.

      • Keep meds out of sight. Some determined kids will break into tamper-resistant bottles if given enough time, says Dr. Rangan. To mitigate this risk, he recommends keeping prescription medications high and locked away, “out of sight, out of mind.” Additionally, he recommends not transferring pills to other containers, such as day-of-the-week pill organizers.
      • Don’t call it candy. These days, pills and vitamins come sugarcoated and even in “gummy” form. But persuading kids to take a multivitamin by pretending it’s candy can be a confusing trick. “Medicine is medicine, candy is candy,” says Rangan, who recommends keeping the two separate in a child’s home and in their mind.
      • Watch out for new poisons. Newly popular products -- such as laundry/dishwasher detergent pods, e-cigarettes, and energy drinks -- can pose a poison risk to kids. All of these products contain highly concentrated chemicals (detergent, nicotine, caffeine), and can be dangerous for young children, who might be tempted to taste these scented/flavored products.
      • Store cleaning products out of reach. To kids, bleach looks like water and cleaning powders look like cupcake sprinkles. Kids can also mistake the brownish cleaning liquid in a bottle in your garage for apple juice, says Rangan. “Because they look the same and are sometimes in bottles that are very, very similar, a young child tends not be able to tell the difference." 
      • Call in an emergency. If your child does come in contact with a toxic substance, call 911 if the child stops breathing or responding. Otherwise, Rangan says to call the national 24-hour Poison Control Hotline, 1-800-222-1222.

      Curiosity can lead to the discovery of new concepts and skills, but it can also land kids in dangerous situations. When kids deem certain household items w...

      Harbor Freight settles class action over misleading sales tactics

      The suit alleged that the company marked items on sale even though they were never priced higher

      A class action suit filed against Harbor Freight Tools, a discount tool chain operating 750 U.S. locations, could refund shoppers up to 30% on purchases made within a 5-6-year period. The company recently settled the suit, which alleged that it used misleading sales practices.

      Plaintiff Jeffrey Beck stated that the company advertised certain products at “sale” and “compare at” prices even though those items weren’t originally sold at a higher price to begin with. He stated that the sales practice effectively created the illusion of a discount to draw in customers. However, federal regulations dictate that an item can only be marked “on sale” if it was sold at a higher original price for 28 of the preceding 90 days.

      Getting a refund

      If the settlement is approved, customers who bought products from Harbor Freight between April 8, 2011 and December 15, 2016 could receive a partial refund. However, just how big of a refund one receives depends on certain criteria:

      • Customers who saved itemized receipts of their purchase that display a “You Saved” amount will receive 20% off the amount they paid in cash or 30% as a Harbor Freight gift card.
      • Customers who have a credit or debit card statement that proves they shopped at Harbor Freight during the covered period may receive 10% off the amount they paid in cash or 12% as a Harbor Freight gift card.
      • Customers who have no documentation of a purchase but claim they bought items during the covered period may receive a $10 Harbor Freight gift card. However, those who make false claims and are found out will be subject to perjury charges and could face stiff penalties.

      Consumers who wish to receive a payment must complete a claim form and either mail it or submit it online no later than August 7, 2017. 

      A class action suit filed against Harbor Freight Tools, a discount tool chain operating 750 U.S. locations, could refund shoppers up to 30% on purchases ma...

      Will your credit card company waive your late fee?

      Chances are, it will if you'll just ask

      Consumers hate fees, whether they are levied by a bank or credit card company. Overdraft fees were such a major bone of contention a few years ago that Congress passed legislation to reduce them.

      But fees don't always have to be paid. Sometimes, if you ask, a credit card company will waive them. And it happens a lot more than you might think.

      CreditCards.com reports its latest research which shows that 87% of consumers who asked a credit card company to waive a late fee were successful. It also found that 69% of the time, if a customer asked a credit card company to lower the interest rate, the answer was "yes."

      While it is true that banks and credit card companies depend more on fees than ever these days, it is also true that they are in a very competitive industry. Consumers have lots of options.

      Competition works in your favor

      In many cases, a credit card company would rather waive a fee once than possibly lose a customer. If a customer has a good credit score, he or she can open a new credit card account and transfer a high interest balance, often getting more than a year of 0% interest. Credit card companies know this.

      That said, CreditCards.com found that only 25% of credit card customers ever asked for a waived fee or a lower interest rate. That means consumers are spending money needlessly.

      There's even wiggle room when it comes to annual fees. Many rewards credit cards charge as much as $100 or more for the privilege of using their cards. But CreditCards.com found more than half of credit card customers in the U.S. were able to persuade the company to drop the fee altogether. Thirty-one percent were able to negotiate a lower fee.

      More power than you realize

      "People have far more power with their credit card company than they realize," said Matt Schulz, CreditCards.com's senior industry analyst. "Competition among card issuers is incredibly high these days and customer retention is a priority."

      Schulz says you can't be afraid to ask for an exception because, very often, you're likely to get it.

      That also holds true for credit limits. Of those customers who simply asked their credit card company to raise the card's credit limit, 89% got what they asked for.

      As we have previously reported, this also works in other highly competitive services, such as insurance. If you have been with your insurance carrier for several years, chances are you can get a discount by saying you are shopping for a new policy.

      If you are a senior citizen, or getting close to being one, you can get a discount almost anywhere. But, you have to ask for it. Again, surveys show most people don't.

      Consumers hate fees, whether they are levied by a bank or credit card company. Overdraft fees were such a major bone of contention a few years ago that Con...

      Government grant scam still claims victims

      If you didn't apply for a grant, you can't be awarded one

      The government grant scam has been around so long you might think everyone would know about it by now. But the Federal Trade Commission (FTC) says it remains a highly effective way to steal money from consumers.

      It works like this: you get call from someone who says you are being awarded a government grant. It's a lot of money and you can pretty much use it any way you choose.

      The caller may say he is calling from Washington, DC, and sure enough, your caller ID says that's where it's coming from.

      However, victims never receive any money and instead pay the scammer hundreds of dollars in alleged fees and taxes, always using a prepaid money card that is untraceable.

      A victim from South Carolina

      At ConsumerAffairs, we recently heard from a victim, Phyllis, from South Carolina, who said she was a retired federal worker. She says when she got the call she thought it sounded a little fishy but politely listened to what the caller had to say.

      "I then got a call from a well-spoken woman from a Washington number, saying that she had my name and it was definitely a grant and she was referring the processing to someone in Carolina," Phyllis told ConsumerAffairs. "Someone then called me from a North Carolina number and I was told that a Fed Ex delivery was going to be made. A check was never delivered."

      But Phyllis was asked to pay a number of fees and taxes, especially after other people got into the act, calling her and claiming to be from the IRS and other government agencies.

      Asked to pay with an iTunes card

      "I was getting a number of calls from this same number, relative to how I would receive a check and was asked to pay insurance fee with iTunes card and also some tax," Phyllis said.

      Phyllis said she paid several hundred dollars before she figured out she was being taken for a ride. The scammers employed numerous tricks to make her less skeptical, including spoofing the telephone numbers and making the calls appear to come from Washington DC and North Carolina.

      The government grant scam can be avoided if you remember one thing: you cannot receive a grant if you didn't apply for it. By the same token, you can't win a sweepstakes if you didn't enter it.

      Anyone who tells you that you did is running a scam and you need to immediately hang up the phone.

      Phyllis hopes authorities will track down the scammers who stole money from her so no one else becomes a victim, but the sad fact is most of these people operate outside the U.S. and beyond the reach of the law.

      But every once in a while justice prevails. In 2013, the FTC obtained $1.7 million in refunds for more than 23,000 consumers who were victimized by a government grant scam.

      The government grant scam has been around so long you might think everyone would know about it by now. But the Federal Trade Commission (FTC) says it remai...

      Consumers with connected devices are happiest with their smartphones

      J.D. Power survey finds the most satisfied consumers likely use an Amazon Echo

      We hear a lot of complaints about cell phones -- smartphones in particular. But one group of people who don't seem to complain as much are those who use their devices to operate other connected devices.

      That was an unusual detail that turned up in J.D. Power's latest Full-Service Smartphone Satisfaction Study.

      The researchers found overall satisfaction with smartphones, no matter what kind, was 49 points higher among customers who also used voice-activated home assistants such as Amazon Echo. If a customer had a smart thermostat or smart appliance, satisfaction was even higher.

      "Customers with connected home devices are able to improve the comfort, convenience and security of their living spaces with their smartphone devices," said Kirk Parsons, senior director and technology, media & telecom practice leader at J.D. Power. "They are more satisfied with their smartphones because they can take advantage of smartphone functionalities that other customers may not be aware of."

      Connectivity makes a difference

      Parsons says consumers seem to prefer products that connect with other devices, and manufacturers who provide that feature, he says, will have an advantage.

      But even though a smartphone might have the capability, it's only customers who take advantage of it who seem to have the higher level of satisfaction. And the more you use it, the more satisfied you tend to be.

      The study found that no matter the brand, customers expressed greater satisfaction. In the past year, Motorola had the biggest increase in overall satisfaction, rising by 15 points. HTC was 12 points higher, with Apple rising by six points.

      Among carriers, AT&T logged the biggest increase in overall smartphone satisfaction, followed by Sprint, Verizon Wireless, U.S. Cellular, and T-Mobile.

      Apple topped the list in overall satisfaction in the full-service carrier segment, followed closely by Samsung. Apple was also number one in overall performance and features.

      We hear a lot of complaints about cell phones -- smartphones in particular. But one group of people who don't seem to complain as much are those who use th...

      BMW recalls model year 2017 X5 vehicles

      The passenger front airbag inflators may not vent properly

      BMW of North America is recalling 36 model year 2017 X5 sDrive35i, X5 xDrive35i, X5 xDrive50i, X5 xDrive35d, and X5 xDrive40e vehicles.

      The recalled vehicles are equipped with passenger front airbag modules using certain air-bag inflators that may not vent properly in the event of a crash necessitating deployment of the passenger frontal air bag.

      If the inflator cannot vent properly, the inflator may rupture, resulting in metal fragments striking the vehicle occupants and causing serious injury or death.

      What to do

      BMW has notified owners, and dealers will replace the air bag modules, free of charge. The recall began on March 20, 2017.

      Owners may contact BMW customer service at 1-800-525-7417.

      BMW of North America is recalling 36 model year 2017 X5 sDrive35i, X5 xDrive35i, X5 xDrive50i, X5 xDrive35d, and X5 xDrive40e vehicles.The recalled veh...

      EPA approves drift-prone, toxic industrial weed killer on basis that all farmers will follow instruction label

      Advocacy groups are suing the Trump administration for approving Enlist Duo in 34 states this year

      The chemical known as 2,4-D has been around for decades, long before Dow AgroSciences began marketing it as a new weed killer called Enlist Duo in 2014.

      Iowa farmer George Naylor recalls using an herbicide containing a potent chemical combination of both dicamba and 2,4-D about forty years ago on his soybean and cotton fields, "because it was the most powerful herbicide you could get.” He remembers seeing the product volatilize into the air, run with water and crinkle the leaves of his soybean plants. 

      He eventually stopped spraying that herbicide “because all the other herbicides basically made it obsolete.” Since the 1990s, Monsanto’s Roundup herbicide, containing the chemical glyphosate, has taken over as the weed killer of choice on industrial farms, but that’s about to change.

      Data that reporters and analysts have obtained from government agencies shows that the spraying of glyphosate herbicides has increased with the planting of soybean and cotton seeds that are genetically modified to resist glyphosate.

      That, in turn, has likely led to an epidemic of super-weeds, in which weeds evolve to survive spraying. With super-weeds estimated to wreak havoc on tens of millions of acres of farmland, the agrochemical industry has presented a solution: more potent herbicides. Now, weed killers containing the older chemicals 2,4-D and dicamba are once again being heavily marketed to farmers.

      EPA pulls Enlist Duo's approval, but Trump's EPA brings it back

      “Take control of weeds like never before,” Dow writes in one online advertisement for Enlist Duo. The herbicide, which is meant to be sprayed on cotton and soybean seeds also developed by Dow, genetically modified to withstand both glyphosate and 2,4-D, was pulled from the market in 2015 after environmental and food safety groups sued the Environmental Protection Agency under the Obama administration.

      After a year of litigation, the EPA said it had revoked the registration for Enlist Duo over concerns that it may may be more drift-prone, more potent, and more toxic than previously thought. But the EPA under President Trump decided to give Enlist Duo another chance. In January, the agency approved the marketing of the Enlist herbicide and its accompanying seeds in a total of 34 states.

      "From its initial approval in 2014, EPA consistently acknowledged that Enlist Duo will damage crops,” Center for Food Safety staff attorney Sylvia Wu tells ConsumerAffairs. But because it was mostly small farmers who would be affected by the crop damage, the EPA approved Enlist anyway, Wu says. "Unfortunately, with both administrations, the pesticide and chemical industry has been very effective with lobbying at the federal level.”

      A coalition of advocacy groups -- the Center for Food Safety, the Pesticide Action Network, Beyond Pesticides, the Center for Biological Diversity, Family Farm Defenders, and the National Family Farm Coalition -- on March 21 filed a new federal lawsuit against the Trump administration for approving Enlist Duo once again. They charge that the EPA violated the Endangered Species Act and other federal laws when approving the Enlist technology in 34 states.

      The groups overall object to the increased dependence on herbicides in industrial farming. "Roundup was initially touted as a replacement for older, more dangerous chemicals like 2,4-D,” Jim Goodman, an organic farmer with the group Family Farm Defenders, says in a news release. “Now that Roundup, the widely used carcinogenic pesticide is failing to kill weeds, Dow is bringing back 2,4-D and teaming them up to create a more toxic mix than ever.”  (The official stance from federal regulators is that glyphosate is not carcinogenic, but the issue is a matter of intense debate).

      Dow did not return an interview request from ConsumerAffairs. “Adding tolerance to a new 2,4-D, the Enlist weed control system advances herbicide and trait technology by building on the glyphosate and glufosinate systems,” Dow tells farmers in online advertising.

      Warning label on product meant to assuage concerns 

      The EPA’s document explaining its reasons for the “Final Registration of Enlist Duo,” included as part of the lawsuit, sometimes reads like a document arguing against the approval of Enlist Duo. “This pesticide is toxic to fish and aquatic invertebrates….Drift or runoff may adversely affect aquatic invertebrates and non-target plants...Application around a cistern or well may result in contamination of drinking water or groundwater...Small amounts of spray drift that may not be visible may injure susceptible broadleaf plants.”

      The EPA multiple times describes the risk of drift, or the chemical drifting from its intended target and killing other plants, or worse. “Without considering mitigation measures, it is reasonable to assume spray drift may be a potential source of exposure to residents nearby to spraying operations... Sprays that are released and do not deposit in the application area end up off-target and can lead to exposures to those it may directly contact....residues can eventually lead to indirect exposures (e.g., children playing on lawns where residues have deposited next to treated fields).”

      For studies conducted on rats, meant to evaluate the effect that dietary exposure to the herbicide could have on human females of child-bearing age, “fetal skeletal malformations (14th rudimentary ribs) were observed,” the EPA writes. Studies meant to evaluate the effect on the general population found “an increased incidence of incoordination and slight gait abnormalities (forepaw flexing or knuckling) and decreased motor activity.” Inhalation was linked with “increased mixed inflammatory cells within the larynx, which was not totally resolved following a 4-week recovery period.”

      "The toxicity profile of the active ingredient 2,4-D shows that the principal toxic effects are changes in the kidney, thyroid, liver, adrenal, eye, and ovaries/testes in the rat following exposure to 2,4-D via the oral route at dose levels above the threshold of saturation of renal clearance,” the EPA says. “Maternal and developmental toxicity were observed at high dose levels exceeding the threshold of saturation of renal clearance.”

      But the agency ultimately determined in the same document that the toxic effects only occurred at exposure levels that they estimated were well above what people would likely be exposed to. 

      "A premise of compliant applications"

      More important, according to the EPA, is that a warning label on the product itself should reduce the risk of both drift and toxicity. The EPA writes that its evaluation into the risk of spray drift “is based on a premise of compliant applications which, by definition, should not result in direct exposures to individuals because of existing label language and other regulatory requirements intended to prevent them.”

      Following the label, the EPA says, will “reduce exposures off-site to levels well below risk concern levels for both birds and mammals, thereby limiting any potential risks of concern to the treatment site itself.”

      The Enlist Duo label instructs farmers not to spray “during a local, low level temperature inversion because drift potential is high.” Farmers are also instructed to avoid spraying if rain is expected in the next 24 hours and to maintain a 30-foot buffer between their field and everything else. “Do not apply under circumstances where spray drift may occur to food, forage, or other plantings that might be damaged or crops thereof rendered unfit for sale, use or consumption,” the label instructs. “Do not apply at wind speeds greater than 15 mph.” 

      To combat the growing problem of herbicide resistance, particularly concerns that weeds may eventually develop a resistance to 2,4-D, the EPA has put Dow in charge of investigating. Dow AgroSciences “must investigate any reports of lack of herbicide efficacy and submit annual reports to the EPA,” the EPA says. “The initial mechanism users can use for communicating directly with DAS  is a toll-free number to get advice on how to resolve any uncontrolled weeds.”

      Pushing the limit on labels

      George Naylor, the cotton and soybean farmer from Iowa, says that farmers are under so much pressure to keep up with the demands of industrial farming that they often do not follow labels as closely as they should. “I think every farmer has probably pushed the limit on windspeed, because they want to get those weeds sprayed before they get too big,” Naylor tells ConsumerAffairs.

      "The cost squeeze gets me and other farmers to do something they know they shouldn't be doing...it's been our national policy for a long time to put farmers in that squeeze.” Additionally, he says, “more and more of the spraying is done by third parties, either the local co-op or a private applicator.” For those and other reasons, he says it has become a very common phenomenon for sprays from neighboring farms to damage another farmer’s crop.

      But Naylor counts himself as among the more fortunate. While most farmers work on land that they are renting, and therefore face constant pressure from landlords and competitors, Naylor works on family land that he inherited.  As other farmers turned to genetically modified seeds in the 1990s, he continued using traditional seeds, and in 1999 even filed a class-action lawsuit against Monsanto, alleging that the company’s GM seeds were contaminating his own fields.

      As a past president of the National Family Farm Coalition, one of the organizations now suing the EPA for approving Enlist Duo, Naylor sees a future in which all farming will be completely industrialized, with everything in the hands of corporations rather than small farmers. Naylor, on the other hand, is trying to convert his own farm to an organic one, but the process has not been easy.

      "If you create insecurity in their [farmers'] lives, they will have to make as much money each year as they possibly can, and to do that, you use whatever technology Monsanto or Dow or DuPont put out there,” he says. “The average farmer out there today farms on too big a scale to even think about going organic.”

      Farmers didn't follow instructions for dicamba technology 

      The recent lawsuit that conservation groups filed against EPA for approving Enlist Duo follows similar litigation that they have filed over Monsanto’s Dicamba technology. In that case, the EPA under Obama allowed Monsanto to begin selling Dicamba-resistant seeds before the accompanying herbicide, which is supposed to come with a special nozzle to reduce the risk of drift, was approved. Farmers as a result then turned to other, unapproved dicamba sprays, leading nearby peach farmers and grape growers to complain that their livelihood was being destroyed by dicamba-drift.

      One farmer in Missouri was even murdered over fights about drifting dicamba. The complaints led the EPA to launch criminal investigations into dicamba misuse, putting the blame on non-compliance rather than with the product itself. It is an approach that doesn't sit will with people like Sylvia Wu, the attorney with the Center for Food Safety. "Farmers end up with the blame,” she tells ConsumerAffairs, “and the financial harm of misused pesticides.”

      The chemical known as 2,4-D has been around for decades, long before Dow AgroSciences began marketing it as a new weed-killer called Enlist Duo in 2014....

      Theater buff? New York, New York is your kind of place

      Tickets can be expensive, but there are often last-minute deals available

      If you’re like me and love the theater, there is nothing like Broadway. The Theater District in New York City, considered the home of the American theater industry, is located along Broadway in Midtown Manhattan, between 42nd and 53rd streets, including Times Square. It’s also known as “The Great White Way” because Broadway was one of the first streets in the United States to be lit with electric lights.

      I saw my first Broadway show, The Sound of Music, as a child and I’ve been hooked ever since. Attending a play is a wonderful experience, but it can be expensive, with ticket prices exceeding $100. Don’t let the prices deter you. There are discounted options to experience Broadway without sticker shock.   

      Discounted Theater Tickets

      Goldstar

      Sign up for the app or register online for weekly offerings that can save you up to 50% off theater tickets.

      Today Tix

      An app that offers discounted tickets, same day or for one week in advance, for shows in NYC, DC, Philly, Connecticut, Boston, Chicago, Los Angeles, Seattle, SF Bay area, and London.

      TKTS, A Not-For-Profit Service Organization for the Performing Arts

      It offers a wide array of Broadway and Off Broadway musicals, plays, and dance productions on sale every day at 20% to 50% off regular prices, for same day tickets or next day matinee.

      Four locations: Times Square, under the red steps in Father Duffy Square at Broadway and 47th Street; South Street Seaport, at the corner of Front and John Streets, at 190 Front Street; Downtown Brooklyn, in 1 MetroTech Center at the corner of Jay Street and Myrtle Avenue Promenade; Lincoln Center, at the David Rubenstein Atrium at 61 West 62nd Street.

      New York City Pass

      Purchase a New York City Pass and you’ll get discounted tickets for Broadway shows. Once you have your New York Pass, simply contact their ticket partner, The Applause Tickets, and receive a 10% discount on a Broadway show.

      Broadway lore and more

      There is a rich history within the Broadway Theater District. Who are the famed actors? What’s the longest running musical? What’s a blockbuster? To round out your experience, take a guided or self-guided behind the scenes tour.

      Free Tours by Foot

      Uncover the secrets, stories, and strange superstitions of the Theater District guided by a veteran New York actor and discover little-known parts often overlooked in tour books. Wednesday at 10 am, 2 hours. Tour is free; you decide what, if anything, the tour is worth when it’s done. Reservations required.

      Offers a free self-guided tour of the Broadway Theatre District covering some of the major theaters in Manhattan’s Theater District. Takes anywhere from 1 hour 30 minutes to 2 hours.  More information.

      Inside Broadway Tours

      If you love Broadway, you’ll enjoy hearing the stories of the great artists that have played on the Broadway stages and learning the secret histories that transpired backstage, all from professional Broadway actors and singers who are licensed tour guides. Daily at 4 pm, 1 hour 45 minutes, $35. Free for under 13 years old. Reservations required. More information.

      Broadway Up Close

      A behind-the-scenes look at Broadway theatre by professional working actors and stage managers who are licensed tour guides. Guides give insider info and stories from current and past shows, from the flops and disasters to the successes and legends. Daily at 11 am, 1 hour 45 minutes. Adult $35; Child (12 and younger) $30. Reservations required. More information.

      --

      Editor's note:  The author of this story has no financial interest in the companies, products or services discussed and has accepted no gratuities, payments or free merchandise. Any samples provided for research purposes were returned immediately upon conclusion of the research.

      If you’re like me and love the theater, there is nothing like Broadway. The Theater District in New York City, considered the home of the American theater...

      T-Mobile to roll out scam call blocker

      The company says its products will stop scam calls before they can reach its customers

      In a recent report, we detailed a proposal made by Federal Communications Commission (FCC) that would effectively cut off scam robocallers from making calls to consumers. Initial tests of the concept yielded positive results, and officials believe that it may be viable method of shutting down fraudulent calls made from overseas.

      While that proposal awaits public comment, T-Mobile has announced its own product for reducing scam calls. The company announced today that it will begin rolling out its Scam ID and Scam Block products that stop scam calls from reaching its customers.

      “When customers enable Scam Block, T-Mobile will stop scam calls before they ever reach them. These free new customer protection features are powered by patent-pending T-Mobile technology built right into the Un-carrier’s advanced network – which also means scam blocking works on every single phone on T-Mobile’s network,” the company said.

      Blocking scam calls

      T-Mobile’s Chief Technology Officer Neville Ray cites statistics which show that approximately 75% of U.S. consumers are targeted by scam calls every year, generating losses of $1 billion annually. To combat the threat, he says that T-Mobile developed technologies that block scam calls and built it right into its network.

      “There’s nothing customers have to do. No hoops to jump through, no app to download. Like most T-Mobile technologies, it just works,” he said.

      But how exactly does it work? In the announcement, the company explains that all calls made on the T-Mobile network will be analyzed by its “patent-pending technology” and analyzed against a global database of known scam numbers. Over time, the company says the system will develop utilize intelligent scam pattern detection to more quickly match scam calls and keep them from reaching customers.

      Rolling out in April

      The company stated that turning on the Scam Block feature will allow T-Mobile to terminate the calls before they reach the customer, but it emphasizes that “the customer is always in control and always has the power to decline or block scam calls.

      Both Scam ID and Scam Block will be enabled on a rolling basis starting with T-Mobile ONE customers automatically receiving the former on April 5. Postpaid customers can also sign up for the product on April 5 by dialing #ONI# (#664#) and pressing the call button on their phone.

      Customers can also turn on Scam Block starting April 5 by dialing #ONB# (#662#). Turning the product off can be achieved by dialing #OFB# (#632#), and customers can check the on/off status of the product by dialing #STS# (#787#). 

      In a recent report, we detailed a proposal made by Federal Communications Commission (FCC) that would effectively cut off scam robocallers from making call...

      Feds considering changes to banking rules

      Data aggregator says a bank proposal would restrict consumer access to information

      Some of the major banks have proposed changes to Dodd-Frank financial reform rules governing the way consumers access their financial information.

      Personal Capital, a firm providing financial asset tracking tools, charges the bank-supported changes would restrict customer access to their data and weaken banking cybersecurity.

      It made its comments to the Consumer Financial Protection Bureau (CFPB), noting that Section 1033 of Dodd-Frank requires banks and brokers to provide customer access to financial information.

      In a press release, Personal Capital claims J.P. Morgan, Wells Fargo and major banks have offered up changes to that section that it says would make it harder for customers to access their data.

      Bank concerns

      Bank officials have stated that customers are allowing third party companies -- such as Personal Capital -- to have access to their accounts. In an annual letter to shareholders, J.P. Morgan CEO Jamie Dimon said it is an area of concern, and that the bank is currently working with third parties on more secure ways to share data.

      Bill Harris, CEO of Personal Capital, worries that the changes the banks are proposing would reduce customer access to their information and weaken security.

      "The existing ecosystem of data aggregation operates at huge scale with high security connecting 14,000 financial institutions with tens of millions of consumers," Harris said. "It isn't broken. Let's be careful not to break it."

      Question of who gets to decide

      Harris says the banks want to change cybersecurity protocol in a way that puts banks in the position of deciding who gets access to what information. He argues that it should remain with the customer to decide.

      "Malware and phishing are constant security hazards for consumers. The most vulnerable moment for a hacker to steal your password is when you type it into your own browser," said Fritz Robbins, Chief Technology Officer at Personal Capital.

      Robbins says using data aggregation services reduces the need to enter log-in information, arguing that it enhances security.

      Personal Capital has posted its entire comments to the CFPB here.

      Some of the major banks have proposed changes to Dodd-Frank financial reform rules governing the way consumers access their financial information.Perso...