Current Events in August 2017

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    Chrysler partners with Kango, a ride-sharing service for kids

    Later this year, Chrysler Pacifica minivans will be available to Kango drivers

    Kango, a rideshare and childcare service named “Best Uber for Kids" in 2017 by San Francisco magazine, is joining forces with Chrysler in a partnership that the two companies are calling the “first of its kind.”

    Starting this fall, the automaker and the family rideshare service will make a fleet of new Chrysler Pacifica Hybrid minivans available to Kango drivers.

    The app-based rideshare service transports youngsters from preschool age to high school age. Through the partnership, the companies aim to “make it easier for parents to manage conflicting priorities at work” while providing assurance that their kids are being transported to their activities in a safe environment.

    Trusted drivers

    “All pre-screened Kango drivers and sitters have experience caring for kids and must pass our rigorous selection process, which includes in-person interviews, background checks, fingerprinting, and more,” Kango explains on its website.

    “When you sign up, you gain access to this group of providers and can request their help whenever you need it,” the company said, noting that its service is “fully insured and licensed by the Public Utilities Commission.”

    Eligible Kango drivers will soon be able to lease the kid-friendly Chrysler Pacifica Hybrid to transport children in the San Francisco Bay area.

    ‘Ultimate family vehicle’

    Families are given the option to meet their child’s driver or caregiver beforehand. Additionally, Kango will provide car seats or booster seats if needed.

    The Chrysler Pacifica Hybrid comes loaded with more than 100 safety and security features, making it an ideal vehicle for transporting pint-sized passengers. 

    “Kango is excited to partner with Chrysler to make its new Pacifica Hybrid minivans available to our eligible drivers,” said Sara Schaer, CEO of Kango, in a statement.

    “In addition to being a green vehicle with the best mileage of any minivan, the Chrysler Pacifica Hybrid will help us meet the growing demand for shared carpool rides for groups of kids going places," said Schaer. "Drivers save money on gas. Kids are delighted with the minivan’s kid-friendly features. It’s a win for everyone.”

    Kango, a rideshare and childcare service named “Best Uber for Kids" in 2017 by San Francisco magazine, is joining forces with Chrysler in a partnership tha...

    Many adults still resist using seat belts in the back seat

    A survey finds many people don't buckle up in a taxi or when using a ride-hailing service

    Lawmakers and regulators have made it abundantly clear how important it is for consumers to wear their seat belts, but a recent survey shows that the message still isn’t getting through for all passengers.

    Although more adults are buckling up in the front seat, the Insurance Institute for Highway Safety (IIHS) finds that many still think it’s optional to have to use a seat belt in the back seat. When asked why they weren't using a seat belt, many respondents said that they felt the back seat was safer than the front seat, a misconception that the researchers said was troubling.

    "People who don't use safety belts might think their neglect won't hurt anyone else. That's not the case," said co-author Jessica Jermakian, an IIHS senior research engineer. "In the rear seat a lap/shoulder belt is the primary means of protection in a frontal crash. Without it, bodies can hit hard surfaces or other people at full speed, leading to serious injuries," she says.

    Not buckling up

    The survey found that adults aged 35-54 were the least likely group to use a seat belt in the back seat; only 66% of these respondents said that they always buckle up in the back seat, compared to 76% of those aged 55 and older and 73% of those aged 18-34. Women were also found to buckle up more often than men in the rear seat, and those who attended college did so more often than those with less education.

    Among the major findings of the study, the researchers say that a whopping 80% of those who admit to not always using a seat belt in the back seat don’t bother using the safety device for short trips or when travelling by taxi or ride-hailing service. Only 57% of passengers in a hired vehicle reported always using their seat belt in the rear seat compared to 74% of passengers in a personal vehicle.

    "For most adults, it's still as safe to ride in the back seat as the front seat, but not if you aren't buckled up," said Jermakian. "That applies to riding in an Uber, Lyft or other hired vehicle, too."

    Is not buckling up illegal?

    When asked about their reasons for not buckling up, 40% of respondents stated that there is no law requiring it. However, for most areas of the U.S. that simply isn’t true.

    Wearing a seat belt in the rear seat is required by law in 29 states and the District of Columbia, and in 20 states it can be carried out with primary enforcement; this means that a police officer can stop a driver solely because a back-seat passenger isn’t wearing their seat belt. In the remaining states, the laws are carried out with secondary enforcement, meaning that an officer has to have another reason to stop a vehicle before issuing a seat belt citation.

    However, the researchers say that the legality of wearing a seat belt shouldn’t really be the primary consideration. They encourage all passengers to buckle up to ensure greater safety.

    "If your cab or ride-hailing driver is involved in a crash, you want that safety belt," Jermakian says. "Even if state law says belts are optional, go ahead and buckle up anyway. If you can't find the belt or it's inaccessible, ask your driver for help."

    Lawmakers and regulators have made it abundantly clear how important it is for consumers to wear their seat belts, but a recent survey shows that the messa...

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      A website to help you choose a college major

      Majorfit says starting out in the right major will save time and money

      The statistics suggest a large number of students enter college with no idea about what they will do when they get out.

      As a result, they end up choosing majors that are unrelated to their ultimate careers. Majorfit, a company that says it can help students choose the right major, points to a Washington Post report showing only 27% of college graduates are working in a career related to their major.

      It also cites a report from CareerBuilder that found 51% of college grads confessed they worked in fields that have little to do with their college majors.

      Majorfit says it relies on Big Data to help students select the right major before they spend years and thousands of dollars pursuing the wrong one.

      Self-administered assessments

      The company, which publishes student assessment tools, has launched a new program that it says can help students make a more informed decision. The program is made up of self-administered assessments, with the goal of guiding students to a career that fits their strengths and aspirations.

      "Many high school students work relentlessly for the 4.0-plus GPA, yet most of them do not know what major they want to choose, and very few take the time to explore the viable career options," said Sara Park, the company co-founder. "Consequently, the college dropout rate has reached 38% and a greater percentage change their majors before finishing their college programs."

      So the idea is to save students time and money, guiding them away from fields of study that won't help them in their future careers. How do they do it? Co-founder Steven Choi says Big Data plays a big role. It's used to match students' strength and suitability with a potential major.

      "That's a totally different approach than any traditional personality test," he said.

      Based on brain research

      Choi says using the program is simple. Students only need access to a computer and internet connection to take the tests online. Results are administered instantly upon completion.

      Choi says the Majorfit aptitude test (MAT) is the product of Big Data analysis, based on recent brain research. He says that's one thing that sets it apart from most psychological theorized tests such as the Myers–Briggs Type Indicator (MBTI).

      It costs $300 to take the MAT. The company charges $200 for an optional consultation after students have taken the test. You can register for and purchase the test here.

      However, there are less expensive ways to narrow your search. Many colleges have online quizzes designed to identify potential fields of study. Here's a short quiz on Marquette University's website.

      The statistics suggest a large number of students enter college with no idea about what they will do when they get out.As a result, they end up choosin...

      Ford recalls F-150s and E-350s, Escapes and Lincoln MKCs

      An improperly secured seat, seatback or seatbelt anchor could cause passenger injury

      Ford Motor Company is recalling 94,605 model year 2014 Ford F-150s and E-350s, model year 2014-2015 Ford Escapes, and model year 2015 Lincoln MKCs.

      Improperly manufactured bolts may have been used to install certain seats, seatbacks, seatbelt buckles or seatbelt anchors on these vehicles may fracture.

      If a seat, seatback or seatbelt anchor attaching bolt fractures, the affected component may not be properly secured, increasing the risk of injury in the event of a crash.

      What to do

      Ford will notify owners, and dealers will replace the affected bolts, free of charge. The recall is expected to begin August 28, 2017.

      Owners may contact Ford customer service at 1-866-436-7332. Ford's number for this recall is 17S17.

      Ford Motor Company is recalling 94,605 model year 2014 Ford F-150s and E-350s, model year 2014-2015 Ford Escapes, and model year 2015 Lincoln MKCs.Impr...

      Toyota and Mazda team up to build cars in the U.S.

      The two carmakers plan to jointly develop new technology

      Toyota and Mazda announced that they will work together on certain automotive ventures that will include jointly building vehicles in the United States. It's a continuation of a partnership that began in 2015.

      In addition, the two auto companies say they will team up to jointly develop and share new electric car technology, as well as share connected car technology and advanced safety features.

      While the two companies will remain independent, Toyota and Mazda agreed to essentially acquire stock in each others' companies. Auto analysts said the tie-up will be mutually beneficial.

      Where the auto industry is headed

      "The Toyota-Mazda link for joint vehicle production and technology collaboration is indicative of where the global auto industry is heading," said Michelle Krebs, executive analyst at Autotrader, in an email to ConsumerAffairs. "Electric, self-driving and connected vehicles will require significant investment without an immediate return and economies of scale, particularly for a small automaker like Mazda."

      Krebs says Toyota may benefit from a taste of Mazda’s corporate culture and beef up its global sales, but she believes Mazda may benefit more, especially in the area of increasing its U.S.-based production.

      Toyota President Akio Toyoda says collaboration with Mazda has stepped up Toyota's competitive spirit. He predicts the result of the two auto companies working together will be even better cars. Mazda also views it as a win-win proposition.

      "Nothing would please me more than if, through this alliance, we can help to energize the auto industry and create more car fans by bringing together two competitive spirits to spur each other on, leading to innovations and fostering talent and leaders," said Mazda CEO Masamichi Kogai.

      Defensive move

      Two rivals joining forces without joining the companies might seem unusual, but it could well be a defensive move to deal with the radical changes occurring in the industry. Traditional carmakers may feel threatened by advances in autonomous vehicle technology that are largely coming from Silicon Valley and not traditional automotive companies.

      As part of their agreement, Toyota and Mazda have agreed to explore construction of a joint plant in the U.S. that could produce around 300,000 Mazdas and Toyotas each year. The plant could employ as many as 4,000 people.

      Toyota and Mazda announced that they will work together on certain automotive ventures that will include jointly building vehicles in the United States. It...

      For adventurous travelers, the highway beckons

      More travelers are exploring America in RVs

      Sometimes travel isn't to a single destination. Increasingly, travelers are hitting the road to explore America and are taking their accommodations with them.

      Recreational vehicles (RV), an industry that took a severe hit when gasoline prices skyrocketed a dozen years ago, has come roaring back. Sales have surged, prompting business network CNBC to declare that the "RV space is on fire!"

      It reports two of the major companies that make and sell RVs, Winnebago Industries and Thor Industries, both reported a huge leap in sales in their most recent earnings periods. Winnebago sales were up 75% to $476.4 million.

      The Recreational Vehicle Industry Association (RVIA) reports shipments will hit 472,200 units this year, with nearly 121,000 RVs shipping in the first quarter alone.

      Unprecedented growth

      “Our industry is in an era of unprecedented growth,” said association president Frank Hugelmeyer. “We are poised to record an eighth consecutive year of shipment gains, mainly due to product innovations that appeal to retiring Baby Boomers as well as younger buyers. The recession is in the rearview mirror. This is a new era for the RV industry.”

      Boomers and Millennials just happen to be the nation's two largest demographic groups, and both have gone all-in for RVs. But not just any RVs.

      CNBC notes that tow-behind trailers are outselling traditional RVs nearly four to one. The trailers are smaller, more compact, extremely well-designed, and give travelers added flexibility, since they can be unhitched at a campground, allowing the travelers to explore the area in an easier-to-maneuver SUV or truck, used for towing.

      Neighbors in their early 70s recently invited me to tour their new Airstream trailer that features plush, leather sofas, climate control, an enclosed bedroom, and fairly roomy shower. They've sold their home and plan to travel the country for a couple of years.

      They'll have plenty of company on the road. RVIA doesn't expect RV sales to peak until sometime next year.

      Millennials embracing the RV life

      Age-wise, Ambreen and Nader Brown are at the other end of the demographic spectrum from my neighbors. They're Millennials who purchased an Airstream and set out to explore America, starting off in the Pacific Northwest.

      Writing on the Airstream Blog, they say they had no experience pulling a trailer until they arrived at the Airstream dealership near Seattle, where they got a crash course in trailering. They say backing the trailer into a camp spot was their biggest challenge.

      According to CostHelper.com, the cost of a towable RV can range from $8,000 to $65,000, but the average price is $15,000 to $30,000. The traditional motor home is quite a bit more expensive, usually over $100,000.

      RV rentals

      But if you think a motor home journey might only be a one-time thing, you can rent your traveling home. Towable trailers go for as little as $50 to $75 a day, but may have no smoking or no pet policies, so you have to read the fine print. Besides the cost of the trailer, you have to pay a campground to let you park.

      According to RVAdventuring.com, RV parks and resorts charge the most, but also provide the most in the way of services and amenities. It might be as little as $20 a day in the middle of nowhere and around $75 close to urban areas and popular attractions. They may provide things like cable TV, WiFi, laundry facilities, and restrooms with showers.

      Finding your next campground while underway is not difficult. There are a number of smartphone apps, like this one, that can help you plan ahead.

      Sometimes travel isn't to a single destination. Increasingly, travelers are hitting the road to explore America and are taking their accommodations with th...

      Proposed bill would cover more consumers under Medicare

      Democrats float plan to cover people aged 55 to 64

      Some Democratic members of the U.S. Senate have introduced a bill that would cover more consumers under Medicare.

      In addition to covering every American age 65 and older, Americans between the ages of 55 and 64 would have the option of enrolling in the government-administered health care program.

      The sponsors estimate there are around 41 million Americans that would be eligible for Medicare coverage under their bill, the Medicare At 55 Act.

      Medicare provides health insurance for seniors, covering 80% of most healthcare costs and charging a relatively low premium. Consumers enrolled in Medicare may also purchase a supplemental health insurance policy that, in most cases, covers the remaining 20% of costs.

      Believed to be popular

      The sponsors of the bill say they believe it would be popular with their constituents.

      “Wisconsinites have sent a clear message to Washington that they want us to work across party lines to make health care more affordable, not more costly,” said Sen. Tammy Baldwin (D-Wisc.). "Our legislation offers a choice for millions of older Americans to buy more affordable, quality health care coverage. For people between the ages of 55 and 64, this is a high quality option that can help reduce health insurance costs and increase competition.”

      Michigan Democrat Debbie Stabenow says people between the ages of 55 and 64 often have more health problems and face higher health care costs. She says allowing consumers to buy into Medicare before age 65 would go a long way toward solving that problem.

      “Giving people more quality choices at reasonable prices is something we can all agree on – that’s what letting Ohioans buy into Medicare is all about,” said Sen. Sherrod Brown (D-Ohio) and another of the co-sponsors. “This is a simple solution for folks who are 55 and can’t get healthcare through work, or those who are ready to retire but aren’t yet eligible for Medicare.”

      Hoping for bipartisan support

      The Democrats held out hope that their measure could gain bi-partisan support, but it has garnered no Republican co-sponsors. In the wake of the GOP's frustration at being unable to repeal and replace the affordable care act, it isn't clear how much appetite Republican lawmakers have for a measure that expands Medicare eligibility.

      But Democrats say something is needed to help people in the 55 to 64 age bracket because they generally face higher health care costs. They say this age group pays more than $1,200 a year out-of-pocket for health care and is at greater risk of both chronic and acute health conditions.

      Some Democratic members of the U.S. Senate have introduced a bill that would cover more consumers under Medicare.In addition to covering every American...

      Phones left to charge on bedding can catch fire, authorities warn

      Firefighters urge parents to check where their child's phone is charging

      Chances are, your child is never far from their phone. But excessive screen time may not be the only potential risk of allowing kids to stay close to their device at all times.

      Firefighters in New Hampshire are warning parents to check the location of their child’s phone and tablet chargers, pointing out that allowing kids to sleep with their device on the bed or under a pillow while it’s charging could pose a safety hazard.

      Can catch fire

      In a Facebook post accompanied by a set of photos showing a burned sheet and blanket, firefighters from Newton, New Hampshire wrote:

      "The heat generated cannot dissipate and the charger will become hotter and hotter. The likely result is that the pillow/bed will catch fire. This places the child/teen as well as everyone else in the home in great danger.”

      Research shows that more than half (53%) of children/teens charge their phone or tablet either on their bed or under their pillow, the fire department said. Parents are urged to check where mobile devices are being charged in their home.

      Caution required

      Cell phones, batteries, and chargers should be handled with care, says the Consumer Product Safety Commission (CPSC).

      The group says it has received reports of incidents and injuries involving cell phones, batteries, and chargers in a variety of environments, not just near pillows and bedding.

      The Lithium Ion batteries in wireless devices “have a lot of energy in a small package,” the group explains, adding that they are “more sensitive to physical stress than alkaline batteries found in toys and flashlights and need to be treated with more care.”

      Cell phone safety tips

      For safety’s sake, the CPSC asks that consumers follow some basic safety precautions in their daily use of cell phone batteries:

      • Do not place the phone in areas that may get hot, such as on or near a cooking surface, cooking appliance, iron, or radiator.
      • Do not allow a battery out of the phone to come in contact with metal objects, such as coins, keys, or jewelry.
      • Do not crush, puncture, or put a high degree of pressure on the battery, as this can cause an internal short-circuit, resulting in overheating.
      • Avoid dropping your cell phone, and don’t get your phone or battery wet.
      • Follow the usage, storage, and charging guidelines found in the user's guide.

      Chances are, your child is never far from their phone. But excessive screen time may not be the only potential risk of allowing kids to stay close to their...

      Solving sleep disorders may start in the muscles, not the brain

      Researchers say a protein found in the muscles may be the key to creating new sleep therapies

      For some time, experts have looked to the brain for answers on how to get a good night’s sleep and recover from sleep deprivation. But a recent study shows that the answer may actually lie in our muscles.

      Researchers from three medical centers, including UT Southwestern’s Peter O’Donell Jr. Brain Institute, found that a protein in the muscles dictated whether mice were more or less affected by sleep loss. They say the new finding gives experts a new target for developing therapies that combat sleep problems.

       "This finding is completely unexpected and changes the ways we think sleep is controlled," said lead researcher Dr. Joseph S. Takahashi.

      Recovering from sleep deprivation

      The researchers found that the protein in question – called BMAL1 – plays a major role in regulating the length and quality of sleep.

      During their tests, they found that mice with higher levels of BMAL1 in their muscles recovered from sleep deprivation much more quickly than mice with lower levels of the protein. On the flip side, mice that had lower levels of BMAL1 than normal had severely disrupted normal sleep, which led to an increased need for additional, deeper sleep, as well as a reduced ability to recover.

      The researchers say that the results of the study could be important for consumers who are employed in occupations that require long periods of wakefulness. Through further study, they believe that therapies could be established that would allow these individuals to recover more quickly and prevent further sleep disorders.

      "These studies show that factors in muscles can signal to the brain to influence sleep. If similar pathways exist in people, this would provide new drug targets for the treatment of sleep disorders," said Takahashi.

      For some time, experts have looked to the brain for answers on how to get a good night’s sleep and recover from sleep deprivation. But a recent study shows...

      Five ways to improve indoor air quality in your home

      Experts say poor air quality can lead to negative health consequences

      In an effort to keep your family healthy, you try your best to keep a clean home. But in order to stave off symptoms such as sniffling, sneezing, and itchy eyes, you may need to do more than dust and scrub surfaces.

      According to the experts at Broan, homeowners should also remember to combat airborne dangers that could pose a health threat. 

      In a recent poll, the ventilation product manufacturer found that although most homeowners are aware that unhealthy indoor air can cause health problems, many do not recognize the signs of poor indoor air quality in their home.

      Signs of poor indoor air quality

      "We spend up to 90 percent of our time indoors; our home should be our sanctuary. Yet too often, homeowners overlook the warning signs of poor indoor air quality, attributing it instead to everything from asthma to the common cold," said Michelle Gross, senior global director of channel marketing, services, and digital.

      A few signs that the air in your home may not be as clean as it could be include: mold, chemical smells, foggy windows and mirrors, and lingering cooking smells.

      Contributors to poor indoor air quality include using a fireplace, running central heating and cooling systems, cooking often, or lighting a candle. Not having a bathroom fan or range hood can also negatively affect indoor air quality, says Broan.

      Ways to improve indoor air

      Good air flow is vital to achieving and maintaining healthy air quality, says home improvement expert Danny Lipford.

      "Bath fans and range hoods are the easiest ways to drastically improve indoor air quality," he said. “The key is to use them every time you shower or cook, leave them on for 10 minutes after you've finished, and replace them every 10 years."

      To help homeowners improve indoor air quality, Broan recommends the following tips:

      • Install a fan or hood. For optimal ventilation, your kitchen should have a range hood and your bathroom should have an appropriately-sized fan. Be sure to use fans every time after cooking and showering.
      • Follow the 10-minute rule. Run your range hood for at least 10 minutes after cooking to eliminate lingering smells and particulates. Do the same after showering to remove humidity.
      • Clean it monthly. For maximum effectiveness, clean range hoods and bathroom fans once a month.
      • Replace as needed. Most range hoods have a lengthy lifespan of around 10-12 years, but be sure to change bathroom fans when they no longer prevent your mirror from fogging.
      • Clean regularly. Wash linens frequently in hot water, vacuum regularly (making sure not to forget doormats), and remove shoes upon entering the home.

      In an effort to keep your family healthy, you try your best to keep a clean home. But in order to stave off symptoms such as sniffling, sneezing, and itchy...

      Study predicts significant future job growth

      But many of those new jobs may be at the lower end of the pay scale

      Today's college students can look forward to healthy job prospects when they are ready to enter the job market, according to a new study by CareerBuilder.com.

      But not surprisingly, some sectors of the economy will see rapid growth while others may actually lose ground.

      The analysis predicts more than 8 million new jobs will be created over the next five years while just 302,000 will be eliminated. Broken down by pay levels, the numbers suggest all levels will see job growth over that time but that middle-wage workers will get the least benefit. That sector should see the largest job loss and smallest job creation.

      "Middle-wage workers are at the greatest risk for displacement especially as rapid advancements in technology reshape labor requirements," said Matt Ferguson, CareerBuilder's CEO. "Their only choices are adopting new skills for a higher-paying job, being underemployed in a lower-skill job or leaving the workforce altogether."

      Significant economic challenges

      Those latter options, says Ferguson, present significant economic challenges. To overcome them, he suggests increased efforts to help affected workers gain new skills.

      Among the study's key findings, STEM-related jobs will grow fastest while jobs in the manufacturing and construction trades will continue to decline. The biggest growth in employment will be in jobs that pay low wages. Around half of the jobs that disappear over the next five years will be middle-wage jobs.

      Jobs in health care may also continue to increase. The study projects demand for personal care aides will increase 16%, paying an average of $10.89 an hour. Home health aid positions are also projected to grow 16%, paying about the same.

      Tech jobs will also expand, according to the study, with increased demand for web developers, computer systems analysts, and software developers. Endangered jobs include switchboard operators, printing press operators, bank tellers, and sewing machine operators.

      Today's college students can look forward to healthy job prospects when they are ready to enter the job market, according to a new study by CareerBuilder.c...

      Health insurance telemarketer faces $82 million fine over illegally spoofed robocalls

      The FCC says the high volume of calls could have risked lives

      The Federal Communications Commission (FCC) has charged a health insurance telemarketer with making over 21 million illegally spoofed robocalls.

      Officials say that Philip Roesel, owner and operator of Best Insurance Contacts (d/b/a Wilmington Insurance quotes) deliberately falsified his caller ID information in order to allegedly harm, defraud, and wrongfully obtain money from unsuspecting consumers. This type of action violates the Truth in Caller ID Act, and the agency has proposed a fine totaling over $82 million.

      “[This fine] sends yet another message to illegal robocallers,” said FCC Chairman Ajit Pai. “We will do everything in our power to put you out of business.”

      "Could have risked lives"

      According to the FCC, Roesel specifically targeted vulnerable consumers – such as the elderly, infirm, and low-income families – in an effort to sell health insurance. While allegedly spoofing his caller ID information was harmful enough, officials say that the volume of calls was so large that it interfered with other important services.

      One medical paging service called Spōk complained that the robocalling campaign disrupted its network. An investigation of Roesel’s call records from October 2016 to January 2017 revealed that over 82,000 health insurance telemarketing calls were made during that period that used falsified caller ID information; that finding represents the basis for the agency’s proposed fine.

      “This adversely harmed emergency communication between doctors, EMS and other first responders,” said FCC Democratic Commissioner Mignon Cleburne. “This could have risked lives.”

      The proposed fine is the latest action by the FCC in its efforts to crack down on illegal robocalls. Back in June, the agency proposed a $120 million fine against Adrian Abramovich for impersonating well-known companies to make 100 million spoofed robocalls. A New Mexico company also faced a $2.8 million fine last month for making wireless calls to consumers without their consent.

      The Federal Communications Commission (FCC) has charged a health insurance telemarketer with making over 21 million illegally spoofed robocalls.Officia...

      Nearly 700k Chevrolet Silverado 1500s and GMC Sierra 1500s recalled

      The vehicles may experience a temporary loss of electric power steering assist

      General Motors is recalling 690,685 model year 2014 Chevrolet Silverado 1500 and GMC Sierra 1500 vehicles.

      The vehicles may have a temporary loss of electric power steering (EPS) assist, especially during low-speed turning maneuvers.

      If EPS assist is lost and then returns, the driver might lose temporary control of the steering wheel, increasing the risk of a crash.

      What to do

      GM will notify owners, and dealers will update the EPS module software, free of charge. The manufacturer has not yet provided a notification schedule.

      Owners may contact Chevrolet customer service at 1-800-222-1020 or GMC customer service at 1-800-462-8782. GM's number for this recall is 17276.

      General Motors is recalling 690,685 model year 2014 Chevrolet Silverado 1500 and GMC Sierra 1500 vehicles.The vehicles may have a temporary loss of ele...

      Dunkin' Donuts may shorten its name

      New California outlet will be branded simply as Dunkin'

      Some entertainers are so well-known they only go by their first name. Think Beyonce, Cher, or Madonna.

      Dunkin' Donuts is reportedly considering joining that lofty company.

      National Restaurant News reports that a new company store, slated for opening in Pasadena, Calif., will be branded only as "Dunkin'," dropping the "Donuts" from its name. The company says it will be the first of several new outlets that will test the abbreviated moniker.

      There is precedent for this in the food service business. Kentucky Fried Chicken rebranded itself in 1991 as KFC. The company said it wanted to expand its brand beyond chicken products.

      National Restaurant News quotes a company statement as saying the move is not to de-emphasize donuts as much as it is to emphasize coffee. It's not a departure, the company says, from current branding.

      Been using the name for a while

      “We have been referring to ourselves simply as Dunkin’ in our advertising for more than a decade, ever since we introduced our ‘America Runs on Dunkin’ campaign,” a spokesperson told the trade publication.

      And in fact, the company's name is Dunkin' Brands. Restaurant News reports the trial of the shortened name may become part of a larger makeover set to launch next year. It says the company may wait to evaluate the results before deciding whether the name change sticks.

      After last month's earnings report, company CEO Nigel Travis announced the restaurant chain would streamline in other areas as well, scaling back menus and redesigning stores to promote itself as a more “beverage-led, on-the-go brand.”

      Some entertainers are so well-known they only go by their first name. Think Beyonce, Cher, or Madonna.Dunkin' Donuts is reportedly considering joining...

      A big jump in July employment

      The jobless rate inched down a notch last month

      The nation's job-creation machinery got cranking in July.

      The Labor Department's Bureau of Labor Statistics (BLS) reports there were 209,000 new nonfarm payroll positions created last month, with the unemployment rate ticking down from 4.4% to 4.3%.

      As it released the July figures, the government revised its May estimate of new jobs down from +152,000 to +145,000, and its June calculation up from +222,000 to +231,000. That works out to a net gain of 2,000 jobs in May and June from what was reported previously.

      For the year thus far, employment growth has averaged 184,000 per month.

      Who's on the job

      Among the major worker groups, the unemployment rates for adult men (4.0%), adult women (4.0%), teenagers (13.2%), Whites (3.8%), Blacks (7.4%), Asians (3.8%), and Hispanics (5.1%) showed little or no change.

      The number of long-term unemployed -- those out of work for 27 weeks or more -- was little changed at 1.8 million in July and accounted for 25.9% of the unemployed.

      The labor force participation rate (62.9%) showed little change in July and has been fairly steady over the past year. The employment-population ratio (60.2%) was also little changed in July but is up by 0.4% year-over-year.

      Where the jobs are

      Employment in food services and drinking places rose by 53,000 in July, while professional and business services added 49,000 jobs. Health care employment increased by 39,000, while mining, construction, manufacturing, wholesale trade, retail trade, transportation & warehousing, information, financial activities, and government showed little change.

      Average hourly earnings for all employees on private nonfarm payrolls rose by 9 cents in July to $26.36 and are up 65 cents, or 2.5%, over the year.

      The complete report may be found on the BLS website.

      The nation's job-creation machinery got cranking in July.The Labor Department's Bureau of Labor Statistics (BLS) reports there were 209,000 new nonfarm...

      Mercedes-Benz recalls smart fortwo and smart fortwo Cabriolet vehicles

      The left front axle steering knuckle could fail, increasing the risk of a crash

      Mercedes-Benz USA (MBUSA) is recalling 110 model year 2017 smart fortwo and smart fortwo Cabriolet vehicles.

      Casting imperfections may result in the failure of the left front axle steering knuckle and affect vehicle control, increasing the risk of a crash.

      What to do

      MBUSA will notify owners, and dealers will inspect the left front axle steering knuckle, replacing any from the affected batch, free of charge. The recall is expected to begin in September 2017.

      Owners may contact smart customer service at 1-877-496-3691.

      Mercedes-Benz USA (MBUSA) is recalling 110 model year 2017 smart fortwo and smart fortwo Cabriolet vehicles.Casting imperfections may result in the fai...

      Congressional Democrats push for Wells Fargo hearing

      Lawmakers say they have more questions about sales practices

      The Democratic members of the Senate Committee on Banking, Housing and Urban Affairs have signed a letter asking the committee chairman to schedule a hearing on Wells Fargo immediately following the August recess.

      In a letter to Chairman Mike Crapo (R-Idaho), the Democrats said they have questions for Wells Fargo CEO Timothy Sloan and company chairman Stephen Sanger.

      The committee last heard from bank executives a year ago, when it was revealed that bank employees had opened checking and credit card accounts in customers' names, without their knowledge or consent. It was alleged that the purpose was to generate fees for the bank and several thousand Wells Fargo employees were fired in the aftermath.

      Last week the bank revealed that more than a half-million auto loan borrowers were sold insurance without their knowledge, and that in some cases it might have led to loan defaults and vehicle repossessions. In their letter, the Democratic lawmakers said it was time for additional questions, alleging new information about the bank's misconduct has emerged since the fake accounts scandal.

      Seeking additional information

      "Many Committee members have sought additional information from Wells Fargo about these developments, with varying degrees of success," the senators wrote. "A hearing would give members the opportunity to hear directly from the bank's top leadership about these developments."

      Among the questions that need answers, the Democratic committee members said they want updates on the bank's efforts to compensate customers harmed in the fake-accounts scandal, and about the unnecessary insurance sales.

      Sen. Sherrod Brown (D-Ohio) is the ranking Democrat on the committee. The letter was also signed by Senators Elizabeth Warren (D-Mass.), Jack Reed (D-R.I.), Robert Menendez (D-N.J.), Jon Tester (D-Mt.), Mark R. Warner (D-Va.), Heidi Heitkamp (D-N.D.), Joe Donnelly (D-Ind.), Brian Schatz (D-Hawaii), Chris Van Hollen (D-Md.), and Catherine Cortez Masto (D-Nev.).

      Wells Fargo paid a $185 million fine in connection with the unauthorized accounts. In revealing the unauthorized insurance sales last week, the bank estimated total remediation at $80 million.

      Meanwhile, the Los Angeles Times reports various New York agencies, including the state insurance regulator, are looking into the latest revelations.

      The Democratic members of the Senate Committee on Banking, Housing and Urban Affairs have signed a letter asking the committee chairman to schedule a heari...

      How to make your backyard more inviting

      Features that can help maximize your enjoyment of your outdoor living area

      Summer evenings and backyard gatherings go hand-in-hand, and having an inviting outdoor area can help make entertaining family and friends al fresco even more enjoyable.

      To help homeowners transform their backyard into a beautiful outdoor oasis, outdoor living product manufacturer Napoleon enlisted a third party research team to find out how the design of outdoor spaces can directly impact human emotions.

      "The research shows the most loved areas of the home combine relaxation, socialization and functionality," said Stephen Schroeter, Napoleon's senior vice-president of sales and marketing.

      "Outdoor spaces provide a great opportunity to accommodate all three, yet they are still vastly underutilized by most homeowners,” Schroeter added.

      Outdoor design ideas

      Outdoor living spaces can also boost your home's value. A National Association of Realtors survey shows many buyers are willing to pay a premium for a home with an outdoor living space. 

      But when it comes to outdoor remodeling projects, improving your home's resale value should come secondary to enhancing the overall enjoyment your family will get from the finished results.

      Homeowners can add to the natural ambiance of firefly-illuminated summer evenings by using the following design tips from Schroeter:

      • Add an outdoor kitchen. Take your cook-out to the next level by adding an outdoor kitchen in which to prepare a meal for your guests. A quality grill is essential in an outdoor kitchen, says Schroeter. Other features to consider adding: an outdoor refrigerator or beer dispenser, pizza oven, and sink for easy clean-up.
      • Create an area for socialization. Establishing a gathering place is key when it comes to outdoor living spaces. To do so, choose a central location and add a variety of seating options. Consider adding a built-in fireplace or fire pit to serve as a focal point and enable your outdoor space to be used later into the season.
      • Create distinct zones. Give each area of your backyard a purpose by using barriers like large plants, a pergola, or privacy panels. Divided zones help create the feel of a secluded getaway, says Schroeter.
      • Appeal to the senses. To enrich the auditory atmosphere, consider adding outdoor speakers or a water feature to eliminate street noise. Enhance the smell of your space by adding fragrant bushes with a sweet scent, such as honeysuckle or lilac.
      • Add charming details. “Small touches can go a long way,” says Schroeter. He recommends personalizing your space with items that define your unique style. “Don’t be afraid to add bold pops of color -- an outdoor living area is a great place to explore a more adventurous design than might be considered inside the home,” he added.

      Summer evenings and backyard gatherings go hand-in-hand, and having an inviting outdoor area can help make entertaining family and friends al fresco even m...

      JPMorgan Chase fined $4.6 million for not guaranteeing accuracy of consumer information

      CFPB says the inaccuracies made it impossible for consumers to open accounts

      It’s common practice for banks to screen potential customers’ past banking history before enabling them to open a checking account, but one financial institution has run afoul of the Consumer Financial Protection Bureau (CFPB) for not guaranteeing the accuracy of this information.

      In an announcement yesterday, the consumer agency alleged that JPMorgan Chase Bank did not have proper procedures in place to guarantee the accuracy of checking account screening reports, which constitutes a violation of the Fair Credit Reporting Act. As a result, consumers were allegedly unable to open accounts and denied information about why they were rejected.

      “Information about checking account behavior is used to determine who can open a bank account,” said CFPB Director Richard Cordray. “Because Chase did not have the required processes to report this information accurately, and kept consumers in the dark about reporting disputes and application denials, the Consumer Bureau is imposing a $4.6 million penalty and other measures to stop these violations in the future.”

      Consent order

      Under the terms of the CFPB’s order, Chase will be required to change its procedures and policies to ensure that consumers’ checking account behavior is accurately reported to consumer reporting companies. The company must also report the results of its investigation to consumers who filed disputes against the bank over the information it sent to consumer reporting companies.

      Further, the CFPB stipulates that Chase provide consumers with the contact information of the consumer reporting company that supplied information which Chase used to deny their applications for a deposit account.

      The agency says that $4.6 million penalty will be put into the Bureau’s Civil Penalty Fund. More information on the consent order can be found here.

      It’s common practice for banks to screen potential customers’ past banking history before enabling them to open a checking account, but one financial insti...