The CFPB & Prepaid Industry Face-Off

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The Consumer Financial Protection Bureau (CFPB) is a relatively new federal agency that was born in a swirl of political controversy, thanks to harsh opposition from many members of the financial industry and the lawmakers who strive to protect their interests. That was expected, though, because the CFPB was designed to go toe-to-toe with powerful financial corporations and police the way they conduct business to ensure consumers are treated right.

The Network Branded Prepaid Card Association (NBPCA), a trade group that serves the prepaid card company community, are pushing back because the CFPB is proposing changes that will impact how they conduct themselves. The proposed rules would demand greater transparency and tighter regulation of the prepaid card industry, and last month the industry’s main trade association filed a formal request for the CFPB to show restraint – or, in other words, the prepaid industry is basically telling the CFPB to back off and chill-out.

Proposed Changes to Prepaid Industry

The CFPB wants to impose some of the same rules on prepaid card issuers that banks must adhere to when issuing regular credit cards. That includes increased clarity and transparency in the information provided to consumers about how the products work and what fees are involved. They are also limiting how much customers can be charged for various features and transactions. The bureau would also expand the definition of what constitutes a prepaid debit card – which would subsequently subject more prepaid products to the proposed regulations.

In addition, any prepaid company that allows customers to overdraft or overdraw their accounts -or that offers a credit line (versus simply drawing money they have already put on deposit)- would be required to follow laws under the Federal Reserve’s Regulation Z, which means prepaid products will now be treated like a credit product.

Prepaid Industry Pushes Back

A spokesperson for the NBPCA called the CFPB’s plan an “imposition of unnecessary compliance burdens.” The NBPCA believes overly broad restrictions would limit consumer access to popular features and even eliminate entire categories of prepaid products from the market, resulting in loss of revenue for those affected, or completely eliminating the prepaid market altogether.

The NBPCA also asserts that this kind of tough, restrictive oversight will limit the financial options and opportunities for American consumers. In fact, the industry trade group believes that the result could be that consumers, including their own valued customers, will migrate away from prepaid cards and into riskier, less consumer-friendly products.

The NBPCA suggests the following changes:

  • Limit the definition of “prepaid account” to primary account transactions, those that basically take the place of a debit card tied to a checking account.
  • Facilitate disclosure requirements. The NBPCA wants to issue one single disclosure rather than the trio of different ones proposed by the CFPB.
  • Continue offering overdraft and other features without complying with Regulation Z.
  • Change the definition of “finance charge” so all prepaid products aren’t defined as a credit product. The difference between a prepaid account offering overdraft protection and credit features, and a prepaid account that does not offer credit needs to be established since they are different account types.
  • Extend effective date of proposed changes. The NBPCA believes 9 months isn’t enough time to implement the final rule, and would like 18-24 months instead.

It is too soon to know what the final proposals from the CFPB will look like, but it is likely that they may make some compromises to please prepaid industry companies, while still maintaining an unbending stance regarding the real “meat and potatoes” of the new regulations.

The CFPB is On a Roll

Evidence of the CFPB’s work can be subtle, often flying under the radar of average consumers and getting little or no media coverage. However, many of the agency’s initiatives are working to ensure fairness and transparency for consumers – whether we realize it or not. Recently, for instance, the CFPB took credit card companies to task because it said they were not clear enough with cardholders about how performing a balance transfer, while using the card for regular purchases, can wind up costing more in interest charges.

I blogged about that recently, and then noticed that Discover Card, for example, has started to include a bold, easy-to-read message along with its balance transfer offers. The message reads “TIP: Your Balance Transfer Savings Will Be Less if You Make Purchases.” That bold headline is followed by a clear and complete explanation of how and when that can happen.

The bottom line is that the CFPB is getting things done on several different fronts. Regardless of what your view may be, the CFPB is definitely asserting itself and showing some teeth in controversial ways as it attempts to adhere to its mission and live up to its name. To stay up-to-date as these proposed changes unfold, follow the CFPB Monitor or the CFPB.

This article originally appeared on www.comparecards.com/blog: The CFPB & Prepaid Industry Face-Off.

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Turning the Tide on Ocean Trash

Just last weekend, I was in Rhode Island — the Ocean State — for the Volvo Ocean Race. Sailors from seven teams competing from around the world talked to me about the amount of plastic they were seeing in the ocean, and how concerned they were about the impacts this trash is having on wildlife. It was clear to me that we’re experiencing a sea change — and not one for the better.

If you have visited the beach recently, you, too, know that ocean trash is a problem. You’ve likely seen cigarette butts littering the sand and grocery bags floating in the surf like plastic jellyfish. Unfortunately, the trash we see from shore is just the tip of the proverbial iceberg.

A recent study from the Journal Science estimated that between five and 12 million metric tons of plastic enter our ocean every year. If nothing is done by 2025, there could be one pound of plastic for every three pounds of fish. The problem is big and growing, but we at Ocean Conservancy are working on a solution.

Ocean Conservancy is committed to tackling the problem of ocean trash at every point in its lifecycle, and we are joined by hundreds of thousands of concerned citizens, and some very important corporate, nonprofit and government partners. Together, we can clean up the beaches and waterways we all love, and address some of the upstream causes of ocean trash, like better waste management in countries where garbage and recycling services don’t meet current needs.

Every year since 1985, people around the world have volunteered their time to pick up trash at their local beaches, bays and lakeshores as part of the International Coastal Cleanup. Over the event’s 29-year history, more than 10.5 million volunteers have pitched in to remove 192 million pounds of trash along 350,000 miles of shoreline in all 50 states and 153 countries. In 2014 alone, we had over 560,000 volunteers walk, paddle and swim 13,000 miles to remove 16 million pounds of trash in 91 countries.

This heroic effort accomplishes more than just cleaner waterways: it also helps us track the scale of the problem, and pinpoint some of its causes. All volunteers document their finds on data forms, and Ocean Conservancy staff analyze these data to produce the Ocean Trash Index, the only annual global snapshot of marine debris.

In addition to the all too common plastic bottles and bags, volunteers have removed lawnmowers, wigs, barbecues, bowling balls and wedding dresses. Each of these unusual finds is faithfully recorded, alongside the staggering numbers of bottle caps, balloons and beverage lids. The information the volunteers collect helps us understand the pollution pathways to the ocean, in order to stop trash at its source.

Ocean Conservancy’s Trash Free Seas Alliance is an effort that’s identifying ways to stop land-based trash from ever reaching the ocean that includes partners from industry, academia, NGOs and public interest organizations. Scientists and other experts on the issue have advised the Alliance to focus on better waste management and collection efforts. By focusing on improving waste collection and disposal in just five countries where the gap between plastic use and proper disposal is greatest we can tackle over 50 percent of the problem.

Stay tuned for more information about our work with the Trash Free Seas Alliance. For now, please join me in thanking the 561,895 people that came out last September to help make the 2014 International Coastal Cleanup a great success. Our beaches are a whole lot cleaner, thanks to their efforts. Together, we’ll turn the tide on ocean trash.

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Allen Iverson On Race And The Justice System: 'It Gets Better And Then It Gets Worse'

Freddie Gray. Walter Scott. Tamir Rice. Eric Garner. Michael Brown. Trayvon Martin. All of these black men, and many others, have died at the hands of police officers, each of their deaths leading to anger, protests and unrest across the nation.

Oftentimes, that anger has found its way into the sports world, too. It found its way onto our basketball courts in the form of “I Can’t Breathe” T-shirts donned by NBA players like LeBron James and Derrick Rose. And it found its way onto the football field when the St. Louis Rams put their hands up last year in solidarity with protestors in Ferguson, Missouri.

Allen Iverson is in a unique position to understand both the influence of the superstars and the anger of the family’s victims. He has been a star basketball player himself, an influential figure who could have donned an “I Can’t Breathe” T-shirt alongside other athletes, should he have been in the league. But 20 years ago, he looked more like the men whose lives were cut short. Back then, an 18-year-old Iverson found himself sitting in a Virginia courtroom being unfairly sentenced to 15 years in prison.

A star athlete in both football and basketball at Bethel High School in Hampton, Virginia, Iverson was considered a top recruit coming off of two state championship victories. But after a violent and racially-charged fight broke out at a local bowling alley in 1993, he was seen by some as a target to those who didn’t want him to succeed.

The fight and its repercussions are the focus of a new documentary, “Iverson,” airing this month on Showtime.

“I strongly believe that there was a conspiracy to destroy the future of a young, gifted black person,” Gary “Mo” Moore, Iverson’s former football coach (and now personal manager), said in the documentary.

While many people know Iverson as the MVP and larger-than-life basketball star, it is this experience that continues to shape the man to this day.

The retired NBA player spoke with The Huffington Post about whether he feels that progress has been made since his own experience, whether young, black men have less to fear today than they did back then.

“I feel like it’s basically, it gets better and then it gets worse. It’s gets better — it’s an up and down thing,” Iverson said. “But all we can do is pray and hope and have faith and think positive about it.”

iverson

While he did not address the aforementioned cases specifically, Iverson acknowledged said it’s important we don’t take the actions of one person and use them to make generalizations about the people we believe they represent:

There’s always going to be one bad apple, but don’t take away from the rest of them. Everybody’s not bad and sometimes we — a lot of times we gotta deal with the devil. Lot of us believe in God, but the devil is always on our heel. So he’s always gonna be there, so it’s always going to be a problem, it’s always going to be someone complaining about something. Sometimes rightfully so, sometimes not.

And it’s something that we’re just going to have to deal with as a society. We’re just going to have to get by the best way we can. That’s — it’s not just going to completely be a clean slate and then everything’s going to stop happening it’s not going to happen that way. We gotta understand that this is the world we live in. Just like good is evil.

Iverson, his coach and many others have said that race has played a factor in the athlete’s case, too. And while Iverson did not face violence at the hands of the police, a widely criticized trial, echoes similar criticism today of a failing justice system. Statistics show a widening gap between the incarceration rates between whites and blacks nearly every year.

In Iverson’s case, video footage taken the night of the bowling alley fight shows Iverson leaving as the fight escalated. But the player said a detective called and threatened to arrest Iverson off the court of his basketball court if he didn’t come in to take photos at the police station. He was again threatened with arrest and charges if he didn’t take photos.

iverson A still of the footage taken the night of the bowling alley fight. Iverson is at the right. (Source: Showtime)

He was eventually tried and charged, as an adult, on three counts of maiming by mob — ironically, the law passed in Virginia following the Civil War to protect black people from lynching. Facing up to 20 years for each count, Iverson was ultimately sentenced to 15 years, with 10 suspended. Coverage of his story by Tom Brokaw and NBC garnered more attention and Iverson was granted a conditional clemency and released.

“You’d have to think there was a plan. People wanted to make an example of Allen,” Mike Bailey, Iverson’s high school basketball coach said in the film.

“That was true injustice,” Janet Bailey, his wife, and Iverson’s math teacher added.

iverson Iverson leaving the court room in custody after sentencing. (Source: Showtime)

While his hopes and dreams for an NBA career seemed shattered after his sentencing in 1993, Iverson eventually made it to the league. However, legal troubles followed him, including a suspension following his rookie year in 1997 for weapons and marijuana possession.

But Iverson told HuffPost that he hopes the entirety of journey — not just his success in the NBA, but his hardships before and since then — inspire and serve as a lesson to others like him.

“They might like Allen Iverson on the basketball court, but, ‘He went through this? I’m going through this same similar things and I’m trying to become this, so I know I can — I believe I can make it,'” he said.

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When asked what advice he’d give to young men in a similar situation, Iverson emphasized inner strength.

“A lot of people, they fall, but then they content with just sitting there, laying there. They act like they don’t have the strength to get back up. You do,” he added. “Everybody has a chance. And regardless of where you from, what you’re going through, you gotta know and believe that. And if you don’t, you’re in trouble.”

Visit HuffPost Sports for additional segments from a sit-down interview with Allen Iverson.

Previously:
Allen Iverson On Why He Respects NBA Coaches So Much
Allen Iverson Has Some Convincing Advice For Journalists

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'Q,' Smartphone App, Aims To Build An All-Inclusive, Online Queer Community

Queer community building in 2015 happens, more than ever before, in an online context.

In light of this, a new app called “Q” aims to create the biggest and most all-inclusive queer social networking platform that allows all people identifying as queer to connect, no matter what their gender. While other queer apps tend to be for specific kinds of bodies or meeting people for specific kinds of connections, “Q” aims to complicate the way that the queer community meets and interacts with one another in online space.

Creator Eric Cervini decided to build the app out of a frustration with how most apps made for the lesbian, gay, bisexual and transgender (LGBT) community tended to be for white, masculine gay men looking for sex.

“When we log on, we’re constantly told to be a man, to have a perfect body, to act or to talk a certain way, to be someone other than who we truly are,” Cervini said in a press release. “We deserve better. ‘Q’ is open to anyone who identifies as queer, and we rely on our members to tell us how we can be as inclusive and user-friendly as possible.”

Users on “Q” are required to display their first name and a photo, and are encouraged to share their stories through “memoirs” that have no character limit. As “Q” is currently in the early stages of development, Cervini emhpasized that changes and developments would be made based on the experiences and feedback of the “Q” community.

Want to learn more about “Q”? The app is currently engaged in a Kickstarter campaign. Head here for more information.

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<i>The Year of Living Danishly: Uncovering the Secrets of the World's Happiest Country</i>

I was stressed out and overworked when I picked up The Year Of Living Danishly: Uncovering The Secrets Of The World’s Happiest Country to read on vacation. It quickly became The Book that 1) I didn’t put down 2) confirmed that life didn’t need to be so hectic 3) I recommended to all the busy people in my life and 4) justified redecorating my apartment (win!).

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When Helen Russell moved from London to rural Denmark (yes there’s a reason) she embarked on a mission to find out just what makes it such a happy place. Each month she tackled a different aspect of the culture to research, from the practice of Hygge and the importance of good design to how a more egalitarian culture and high taxes actually make everyone happier. Seamlessly weaving interviews, research and personal experiences for a funny and insightful book, Russell shows how living Danishly can be possible for the rest of us.

So I have to ask: why on earth would someone move to Denmark?

I’ll be honest–Denmark wasn’t top of my list of ‘dream places to move to someday’. Naturally cautious by nature and with a good, occasionally glamorous, career in London, I had no intention of moving anywhere at all. But then my husband got offered his dream job at Lego, the Danish toymaker, and after much pleading (and wine…there was definitely wine) I agreed to ‘consider’ the idea. We did some research and found out that there was more to Denmark than endless winters, Nordic Noir and bacon. They also had a great work-life balance for starters–something sorely lacking in our fast-paced city existence–as well as a welfare state that looked after everyone. Plus Danes kept coming top of the pile for contentment in worldwide surveys and ever the curious journalist, I wanted to see what all the fuss was about. So I agreed to give it a go for 12 months, on the understanding that if we didn’t like it, we could come home.

Denmark is apparently the happiest place on earth and you spent your first year there exploring just why that is with a hilarious mix of personal challenges, expert interviews and hard data. What was the most fun you had trying to live Danishly?

Aside from the swingers’ pool night, dancing cows, and eating at least one insanely good Danish pastry a day against the advice of the Danish Bakers’ Association (really), we had A Lot of fun meeting some amazing new people; learning to forage and building bonfires on the beach; embracing New Nordic Cuisine; as well as decking out our house with Scandi-cool design classics.

Besides staying inside for the entire winter and eating pastries, how can the rest of us live more Danishly or just be more happy?

There are a few things Danes do differently that can be put into practice wherever we are, like trusting more–something that makes us feel better, saves unnecessary stress, and actually makes the people around us behave better. Danes celebrate the simple pleasures in life under the umbrella term of their favourite pastime, ‘hygge’–something that means having a relaxed, cosy time with friends or family. So as well as staying inside and gorging on pastries (recommended), it’s about lighting a load of candles, brewing fresh coffee or cracking open a beer to celebrate the fact it’s a Tuesday (or Wednesday. Or any day for that matter).

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Making your environment as beautiful as you can also helps. Danes do, and it engenders a respect for design, art and their everyday surroundings. Remember the broken window syndrome, where places that look uncared for just get worse? The reverse also applies. And of course, Danes are also pretty good at sharing–whether it’s the famous welfare state or baking a cake for your neighbor–something else that’s been proven to make you happier.

On a scale of 1 to 10, how happy are you?
I’m not wandering around all day with a manic rictus-grin on my face and life’s not perfect (being a freelancer means I don’t get paid for Denmark’s numerous public holidays, and this morning, my toddler ‘hid’ cheese in my shoe) but I’m really grateful for the life we have now and I’m content. I’d say I’m an eight and a half.

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Tequila Mango Strawberry Pepper Shrub Wonder

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Modestly put, this is the best cocktail I have ever made. One of the best I have ever tasted, strawberry or not. It uses homemade mango tequila and a strawberry-pepper shrub.

To get that Mango Tequila, you do need to make it at home. You can find a recipe on YouTube but I recommend the technique in Infused by Susan Elia MacNeal. Basically, it’s a standard 750 ml bottle of tequila, 3 cups of diced fresh mango, and ¼ to 1 cup of sugar syrup. Mix them, let them stand in glass container for a month, then strain into another glass bottle and let that mature for at least one more month. For many, many lovely ideas you do want to scan the lovely, lively pages of Infused.

The Strawberry-Pepper Shrub is inspired by Shrubs by Michael Dietsch. My recipe follows below, and I have adjusted both the quantities and the technique. But the core idea is from Michael.

Here’s the recipe for the cocktail itself. It does use a new orange liqueur I’ve discovered, Liqueur à L’Orange au Cognac, a French product developed in 1959. It’s become my favorite orange ingredient with a deep flavor that does not bite you back as do so many unsophisticated orange liqueurs.

The Tequila Mango Strawberry Pepper Shrub Wonder

Yield: 1 large cocktail

Ingredients:

  • 2 ounces mango tequila
  • 2 ounces strawberry-pepper shrub
  • 1 ounce simple syrup
  • 1 ounce orange liquor [ideally Liqueur à L’Orange]

Preparation:
Place all the ingredients in a cocktail shaker filled with ice. Shake vigorously for 30 seconds and pour into a chilled glass.

Source: Brian O’Rourke

Photo Information: Canon T2i, 18-55mm Macro Lens, f/5.6, 1/50th second, ISO-3200

Strawberry Pepper Shrub

Yield: 2+ cups

Ingredients:

  • 2 cups strawberries, hulled and quartered
  • ½ cup sugar [or more to taste]
  • 2 tablespoons peppercorns, crushed with mortar and pestle
  • ½ cup apple cider vinegar [or more if you prefer]

Preparation:

Place the strawberries and sugar in a metal bowl. Using a pastry cutter, chop through the berries to mash them and mix with the sugar. Add the crushed pepper and stir to mix. At this point, taste test and if you desire add a little more sugar or pepper.

Cover the bowl and refrigerate for a day.

Remove the bowl, taste test again, and adjust again. Pour the bowl contents into blender, add the vinegar and process. Taste test, yet again, adding more vinegar if you desire. Your preferences here are your guide. What you do want to taste is the pepper. It will be dominated by the strawberries and vinegar at first, but the pepper should ultimately rise to the occasion and should provide finish.

Put the blended and adjusted contents back into a bowl and refrigerate for another day. This gives everything time to meld for 24 hours and let you get every bit of berry flavor into your shrub.

Now, you have a decision to make. You can use this shrub as it stands, thick and viscous. Or you can create a very fine syrup by sieving the contents to eliminate the solids. I’ve done both, enjoyed both. If you are a purist and want no solid sensation on your tongue as your drink, then you do want to sieve. But, when you do, press hard to extract every drop you can get.

For many more cookbook reviews and hundreds of excellent recipes, please visit Suzi’s Blog at www.cookingbythebook.com. While you are there, you can learn how we use the kitchen for culinary teambuilding.

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9 Ways To Keep Your Teen Safe From Muggers

Last week, a group of my daughter’s friends were mugged. At gunpoint.

When my daughter told me what happened, my heart froze. A group of teenagers were walking from a party at one friend’s house to another friend’s house in a very residential neighborhood. Thankfully (and that’s not a big enough word for my gratitude), the perpetrators only took the kids’ phones and nobody was hurt. But still, a friend of my daughter’s had a gun in his chest.

I was ready to pack up, leave LA and move to a quiet neighborhood in Montana.

But would that even make a difference?

Crime is everywhere. I have no idea if it was always everywhere, but I know for sure it is now. At movie theaters in Denver and elementary schools in Sandy Hook, Connecticut. Violence has become a part of our daily existence no matter where you live.

A couple of weeks after the tragedy in Denver, I remember a couple of friends and I took our kids to a movie. We sat down in our seats and scanned for “weird” people. We checked for the exits. We looked around the floor, under seats, to see if we could fit in case of gunfire. Then we told the kids “If you see anyone you don’t like or who you think looks or is acting weird — ANYBODY AT ALL — just leave. Quietly. Go out into the lobby and we’ll follow you out. Don’t even ask us. Just go.” Even as the words were coming out of my mouth, I couldn’t believe that the danger I was discussing was even a real possibility. But to me, it was.

I know the odds are with me when I open the door and let my kids out into the world, but I also know on some level that it’s still a gamble. And it makes me sick. And scared. I can’t help but constantly wonder, “what kind of world have we brought these kids into?”

As parents, all we want is a safe haven for our family and we try to find it. But whether it’s in a quiet suburb or a big city, all of these places have one thing in common: They’re in America. And Americans have guns. And Americans can get guns. And Americans will use guns. And for every person that points a gun, there’s somebody else at the other end of it. And I hope it’s not my kid. And you know what? I hope it’s not your kid, either.

So what can we do?

I lived in NYC for almost 20 years and I know what it means to be street smart. I can tell you, most teenagers are not street smart.

We’ve done such a good job protecting them that they just aren’t prepared for any possibility. I don’t want to scare my kids, but I do want them to be prepared. It’s the only way to help them stay safe.

Of course, the unfortunate truth is that nobody’s ever completely safe, but there’s no reason to look like an easy target. Life is a series of “What ifs” and each and every one of them is a real possibility (something I just learned the hard way.)

So, with the help of Sergeant Haefs of the Beverly Hills Police Department, I put together some tips you should share with your teens ASAP — or at least before they walk out that door to that party:

1. Watch out for strangers: Duh! You’ve been taught this since birth. So why have you suddenly forgotten this golden rule we’ve practically beaten into you?! Because you’re taller now? Look up the street, look behind you down the street. If you think you’re being followed, keep walking in the direction of your destination and cross the street. Find a service station and wait until they pass. I say “safety comes before being polite to strangers.” (Of course, you shouldn’t be disrespectful or rude either — it can start a fight — but don’t worry about being helpful. There’s no reason to engage any strangers who talks to a kid. Even if it’s just to ask for directions. YOU THINK SOMEBODY IS FOLLOWING YOU IN A CAR? Take a picture of the license plate and run to a well-lit, busy place ASAP.

2. Be smart: Please organize yourself and all of your stuff before get out of your car or walk down a street. Make sure you have EVERYTHING you need and have your keys where you can reach them (so you don’t stand around looking for your Chapstick in the middle of a dark sidewalk, thank you very much!) Also, have your keys out and ready to use before you even get to your front door and check your surroundings to make sure nobody is near your door. Once you’re in, close and lock the door behind you immediately.

3. Hide your stuff: Keep your phone, money, credit cards, jewelry — anything of value — out of sight.

4. Don’t get distracted: If you’re wearing headphones, keep the volume WAY down so you can hear everything going on around you. Better yet, go without music for a few minutes and put the headphones away. Is that so hard?

5. Take well-lit streets: Don’t go down a dark street even if it’s a route you know. Just because you walk it all the time doesn’t mean it’s safe at night. Take a busier, well-lit street and walk with friends. But EVEN if you ARE walking with friends, check out #6!

6. There isn’t always safety in numbers: You think you’re safe because you’re with a group. But when a mugger sees a bunch of teens laughing, texting and oblivious to the world around them (and believe me, you ARE oblivious while you’re filming that Snapchat of your friends), you’re not safe — you’re fish in a bucket. Especially when the mugger has a gun. You’re DESPERATE to send a text message? Be the ONLY one texting and make sure all of your friends are acting as a look-out.

7. Be aware of your surroundings: Avoid tall bushes, hedges, alleyways, empty lots, anywhere that’s remote or where somebody could hide. Look around to make sure nobody is lurking in a bush or nook before using your key and providing an entry into your own home. If you think you’re being followed CALL 911 and quickly run to a well-lit neighbor’s house, service station, restaurant or shop.

8. Go from Point A to Point B: Stop leaving parties to go walk around the neighborhood. When you decide to leave a party (where we’ve just dropped you off), we don’t know where you are. We can’t come quickly to your aid. Please don’t leave a party without letting us know you’re leaving and exactly where you’re going. And if you DO need to leave, go straight from where you are to where you are going — quickly! Walking around aimlessly makes you a target.

And WORST-CASE SCENARIO:

9. Give the mugger what they ask for (as long as it’s ONLY property): If they ask you to get into a car or go anywhere else, RUN! “Create distance,” says Sergeant Haef. Yell “HELP! POLICE!” or “FIRE” — just get away. But if someone is pointing a gun at you and asking for your phone, your money or your jewelry, just GIVE IT TO THEM. Nothing is more valuable than your life.

This may seem like a lot, but here’s the most important thing to remember — just teach your children to “think safe.” Adults are exposed to the dangers of the world all the time but the truth is our kids live a more insulated existence. The Women’s and Children’s Health Network suggests reminding them that not everyone is always as nice as they seem. We live in a dangerous world and the best way to be safe is to think about staying safe!

For more tips on keeping your kid safe, read the full blog post at SarahMaizes.com.

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Christianity in Crisis? Blame Elvis

Bill O’Reilly is wrong. Rap is not to blame for the current crisis in American Christianity. Blame Elvis, that’s what I say. He is the main culprit in the current cultural transformation shaking the foundations of religion in America. Elvis Presley’s appearance on television in the late 1950s signaled the beginning of the end of Christianity in America, and birthed a religious rival to the Christian churches that is now, finally, winning the hearts and minds and souls of more and more Americans.

The news is aflutter with surveys, commentaries, interviews, confessionals, and reports describing the decline of Christians in America. According to a new Pew study, a spiritual earthquake is dramatically shaking up the landscape of religion in the US. More atheists, more agnostics, more “nones,” more switching, more mixing, more interfaith marriages, more “others” — it all adds up to one stark new reality: less Jesus in American attitudes toward religion.

This is a shocker given the incredibly Christ-ful history of the nation. We are a Christian nation (yes, primarily though not exclusively Protestant), or at least have been from the earliest stirrings of independence until this sudden and disturbing turn away from Christian identity. The story of “religion” in America has always been mainly and primarily the story of “Christianity” in America. The reports about “market share” (with the requisite winners and losers in that model, which translates in Christian terms to affiliation with and attendance in churches, denominations, etc.) and losing “faith” (a category believed to be neutral today but clearly shaped by Christian theology) only blind us to the real story here.

And of course to get to the real story here and now, we’ve got to go back and look in the past for the seeds that explain our present. Which brings me back to Elvis, the progenitor of the religious changes we are seeing today. Many have written about his cultural influence in twentieth century America, and even about his religious background and his status as a cultural American icon after his death (see the brilliant Dead Elvis by Greil Marcus, for example). But what I propose here is that Elvis’s shaking hips and curled lips unleashed two conflicting religious cultures that pitted Christian cultural authority, charisma, and institutions against sacred popular cultures with multiple sources of authority, potent forms of charisma, and a preference for experience and insight over dogma and institutions.

America is different after Elvis. The combination of sexual energy in the performance and its reception by his young audience; sheer pleasure in listening to this particular form of music; and rebellious effervescence liberating fans from conventional cultures in place at the time was a game changer. That young entertainer who magically blended different musical cultures together, including Southern forms of African American and white blues and country, Christian gospel and Pentecostal expression, helped to initiate the rock and roll cultural awakening that transformed the second half of the twentieth century. Many Christians at the time perceived in his lascivious gyrations and obscene gestures a clear and present danger to American society, something so vile, so repulsive, so harmful, his appearances and growing popularity motivated them to publicly decry and attack the young man.

What made this moment, the Elvis moment, different from previous Christian interventions in times of perceived moral crisis, was of course mass media. Radios, phonographs, and television, along with printed materials and concert venues, accelerated and diversified the imprint and influence of Elvis in American lives. The Christian attacks and condemnations directed at Elvis generated a conservative Christian religious culture explicitly obsessed with the new (now old) media’s power to corrupt the youth and blow the lid off of youthful, and especially young female, sexuality.

Like never before, Christians reacted to this unprecedented popular threat with apocalyptic cries of end times and devil worship, and looked for ways to thwart, suppress, and exorcize Elvis and the other demons taking over and perverting the bodies and minds of the American youth, as well as the social body more generally. The culture wars peculiar to the second half of the twentieth century are intimately connected to the rise of this policing Christian religious culture obsessed with the dangers of popular entertainment and purging it of its evils.

The religious sentiments and will to cultural power that helped lay the groundwork for conservative Christian influence on matters of public morality in this period begins with Elvis and everything he represented in the late 1950s. This influence, felt keenly in the 1970s with the rise of the increasingly politically active Religious Right — on the frontlines of our long-running culture wars — has taken its toll on the American psyche.

The report suggests that the culture wars are coming to an end, and the big loser in the aftermath will be both the Religious Right and Christians more generally. More and more Americans, and especially the Baby Boomers as they become senior citizens, and the middle aging Millennial generation, are fed up with buzz-kill Christians who see figures like Elvis, or Harry Potter, or Beyonce, as mortal dangers corroding a puritanical American moral core and who want to impose their own strict, bible-based value systems on American choices.

But Elvis also initiated another religious cultural revival, one that was also tied to his early appearances and performances, and to the responses of the faithful devoted to this popular icon. In other words, the protesting Christians were right, they did have competition and something to fear when Elvis the Pelvis sang and swayed.

This was not, however, obscene and profane as the Christians complained. It was for many revelatory and sacred. The beat and the rhythm, the intonations and gestures, the vibrations and the energy, the words and the sentiments — all the tangible and intangible elements of Elvis’s performance add up to more than their parts; and the reception of the performance by listeners and watchers, whether live or via radio or television, is equally multifaceted and mysterious.

Elvis made it clear that Religion stands no chance against the gods of popular culture. Yes there were other popular singers and screen idols before Elvis, but after Elvis the viability and legitimacy sacred popular cultures is secured and implanted in the youth cultural sensibilities of the Baby Boomers. Elvis was more popular than Jesus — or at least on equal footing — and the moral teachings he preached in songs, performances, conversations, and lifestyle choices, guided the flocks clamoring to see him, hear him, touch him.

The ascendance of Elvis in the late 1950s signaled a cultural awakening, a transitional period from an old and outdated social order to a new and different one that makes more sense, and allows people to make more meaningful sense of their lives and purpose here. These awakenings are often accompanied by great outbursts of religious revivalism and intense scrutiny of self and society. In previous periods of cultural awakening (the historian William G. McLoughlin identifies three previous cultural awakenings in American history), the ultimate outcome of the cultural transition is some kind of reaffirmation of a Christian based social order.

With Elvis Presley, America’s search for a new social order began. His popularity tapped into a youth culture that was primed and ready to break free from the old order as propagated by parents, schools, and churches. It was also open to discover new sources of moral authority and sacred experience, a predisposition that led to increasing experimentation with drugs but also intimate religious engagements with popular cultures associated with music, film, and television, initially.

With each swing of his hips, Elvis rattled the Christian stranglehold on America values and appealed to a very different spiritual sensibility in Americans, one that is not aroused by church music or sermons, but by rock concerts and fan magazines. The hip shakes of course were only the beginning. It took a few decades to come to pass — the protracted and increasingly political culture wars only delayed the inevitable outcome of a brand new religious playing field. But as Pew and other recent surveys indicate, it is here now. Though dominant with the highest numbers, Christianity is not the only game in town, Christ not the only King who rules.

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Dylan And Cole Sprouse Graduate From NYU

Congrats to former child stars Dylan and Cole Sprouse for making us feel old and for graduating from college

On Wednesday, the 22-year-old twins, who starred on the Disney Channel series “The Suite Life of Zack and Cody,” graduated from New York University, where they were both students of the Gallatin School of Individualized Study.

Earlier this month, Cole, who majored in archaeology, shared a photo of the tassels he and his brother received and noted they’ll both be graduating with honors:

Way to beat the curse of child stardom, guys!

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Discovery Of World's Oldest Stone Tools Overturns Traditional View Of Early Humans

Archaeologists working in northwestern Kenya say they’ve unearthed the world’s oldest stone tools yet — and the discovery has thrown them for a loop.

Dating back 3.3 million years, the artifacts push back the archaeological record of tool technology by a staggering 700,000 years. That suggests tools were being fashioned even before the emergence of Homo — the genus to which Neanderthals and modern humans belong (scroll down for photos).

“This discovery is important because the traditional view for decades was that the earliest stone tools were made by the first members of Homo, both dating to around 2.4 to 2.6 million years ago,” Dr. Sonia Harmand, an archaeologist at Stony Brook University and the lead researcher, told The Huffington Post in an email. “The idea was that our lineage alone took the cognitive leap of hitting stones together to strike off sharp flakes and that this was the foundation of our evolutionary success.”

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The first tools were discovered by chance in July 2011 during an archaeological expedition in the Nachukui Formation, a rocky outcrop in the desert badlands on the west bank of Kenya’s Lake Turkana. The researchers said they had strayed into an area off their intended path, according to a written statement issued by The Earth Institute at Columbia University, but “could feel that something was special about this particular place. By teatime, local Turkana tribesman Sammy Lokorodi had helped [us] spot what [we] had come searching for.”

By the end of their excavation, the team had found 149 artifacts at the site, including sharp-edged tools measuring six inches in length and weighing six-and-a-half pounds, as well as flakes that were struck off from the tools and rocks that could have served as anvils.

The researchers dated the artifacts by analyzing the magnetic minerals in layers of rock above, around, and below where the artifacts were found. This paleomagnetism technique is used to date artifacts that don’t contain carbon. The minerals act like a sort of “magnetic tape recorder,” reflecting the periodic changes in the Earth’s magnetic field.

Dr. Alison Brooks, a George Washington University anthropologist who was not involved in the research, called the finds “very exciting” in an interview with Science News. “They could not have been created by natural forces … [and] the dating evidence is fairly solid.”

Who made the tools? Scientists aren’t sure.

“We can be fairly certain it was a member of our lineage and not a fossil great ape, as modern apes have never been seen knapping stone tools in the wild,” Dr. Jason Lewis, an archaeologist at Rutgers Univeristy and one of the researchers who made the discovery, told The Huffington Post in an email. “Which of the members of our lineage it was, however, remains to be determined.”

The tool-maker might have been Kenyanthropus platytops, a 3.3-million-year-old hominin whose fossils were found less than a mile from the tools. Other possibilities include: Australopithecus afarensis — another hominin species that was around at the time, the most famous of which is “Lucy” — or a hominin of the Homo genus that has yet to be discovered.

“The Lomekwi tools are sophisticated enough that they are likely not from the first time a hominin tried to knap a stone tool,” Dr. Harmand said in the email. “We think there are older, even more rudimentary stone tools out there to be found, and we will be looking for them over the coming field seasons.”

An article describing the research, “3.3-million-year-old stone tools from Lomekwi 3, West Turkana, Kenya” is to be published in the journal Nature on May 21, 2015.

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