Consumer Reports has a great story about how insurance companies set rates. The link is below and you do not have to have a subscription to read it. A petition is at the end too.
You are invited to join an online screening of
Lost in the Fine Print
and discussion of forced arbitration with legal experts
Wednesday July 22nd, 12 noon (Pacific)
Narrated by former U.S. Secretary of Labor Robert Reich
Watch the trailer
At AFJ, we fight tirelessly to keep the courthouse doors open to consumers harmed by big business.
Buried in everyday agreements for products, services and jobs is fine print saying if you are harmed, you can’t go before an impartial judge or jury. That’s why we’re working with the National Association of Consumer Advocates, Public Citizen, Public Justice, and US Public Interest Research Group (USPIRG) to spread the word about forced arbitration and discuss ways to fight back.
Join the discussion with legal experts on Wednesday, July 22nd as we watch a clip from the short documentary, Lost in the Fine Print, and learn more about forced arbitration and how we can fight back.
You can join us from wherever you are; this virtual “conversation” will be broadcast through our website.
RSVP and learn more about forced arbitration at www.LostInTheFinePrint.org.
Please submit any questions for our panelists to firstname.lastname@example.org by July 21st!
Stand with us as we learn more about forced arbitration and join together to take back our rights.
What do you need to log on to the conversation?
All you need is a working internet connection. On the 22nd, we’ll email out a link to watch the Hangout and participate in real time. You don’t need a video camera, sound equipment, or anything complicated.
This event is brought to you by:
The National Association of Consumer Advocates, Public Citizen, Public Justice, US Public Interest Research Group (USPIRG)
Pulitzer-Prize Winner explains why Oregonians are defenseless against systematic abuse by insurance industry
Vets -- remember those shady rip-off businesses that were always right outside the base? That's who sends you mail like this
Remember those shady businesses that preyed on military service members, and who always located right outside the base where the youngest, least sophisticated, soldiers and sailors couldn't help but pass by them? Well, there still out there, still trying to prey on you, years after you left the service.
Remember, you NEVER need to go through a private broker to apply for your VA benefits. The VA interest rate reduction loan program can be a great deal if you've got a mortgage, but not if you go through a scammy outfit like this to sign up. And there's no reason to! This business is like one of those scams that charges you a huge fee just to do something simple you can do yourself for little or no cost, like renew a business license.
Vets, remember: you never want to give any outfit like this your confidential financial information. If there's ANY VA benefits programs you can't figure out how to apply for on your own, call the Oregon Department of Veteran Affairs -- not a predator like these guys!
(Clarification: you apply for IRRRL through a mortgage broker, but before you apply, you should review program details with a Veterans Service Officer -- with interest rates having been so low so long, it's an unusual veteran who will be able to benefit from the IRRRL program -- meanwhile, the broker will make out like a bandit, and try to jack you into adding home improvements to your loan on top of charging you points and origination fees. Unless you have an unusually high-interest loan that you somehow have failed to refi already, you are probably going to be better off keeping your existing loan and using the money that you would spend on this to pay off higher cost loans, such as credit cards or student loans.)
How elderly homeowners get ripped off: forgetting the rule that THERE AIN'T NO SUCH THING AS A FREE LUNCH
Shady high-pressure sales types love to offer elderly people "free" meals and "free" trips and lots of "free" things. Now ask yourself: do you honestly think they would send you come-ons like the one above if they didn't have absolute certainty that the profits they will make off the people who fall for their pitch will more than pay for the piddling costs of these "free" meals and the postcards?
If you want to get honest, unbiased advice on ways to save money on your home energy costs, call the Energy Trust of Oregon at 1.866.368.7878 or send them an email at email@example.com to request more information about home energy conservation programs. You already pay for ETO programs and services through a small surcharge on your monthly utility bills -- so you should use the program you've already paid for. ETO is a nonprofit whose mission is to help the Northwest reach its conservation goals. They will help you evaluate all your energy and money-saving options at no cost, and they aren't selling anything.
So don't fall for shady promotional "free lunch" deals, no matter how strong you think your sales resistance is. Companies that market like this are a lot hungrier and more experienced at this game than you are.
Real people -- normal people like you and your family -- often hear lawyers and others talking about "Corporate personhood" and "Corporate Control" and corporate this and corporate that, and you don't really know what it means, and most of the companies you deal with seem pretty OK, and they make good products, and you don't really know why everybody makes a big deal out of whether "Corporations are people, my friend" in the words of Mitt Romney.
So it's important to note when a story really shows you what it means that our court system is dominated from top to bottom with judges appointed from the ranks of corporate lawyers, people who have never represented an actual real person in their entire lives. The story below shows perfectly what it means when corporate values replace human values in the justice system
When I lost my hands making flatscreens I can't afford, nobody would help me Rosa Moreno Injured workers like me don’t ask for much of the billions these companies make off of our work. We just want enough to take care of our families
Reverse mortgage ads are found on television, radio, in print, and on the internet, and many ads feature celebrity spokespeople discussing the benefits of reverse mortgages without mentioning risks. The Consumer Financial Protection Bureau looked closely at dozens of advertisements and met with older homeowners to learn about their impressions of reverse mortgage ads. Today, we’re releasing a consumer advisory and report on what we found.
FTC Reaffirms Consumer Right to Enforce Warranty Protections in Court:
From ConsumerAdvocates.org (National Association of Consumer Advocates):
John Gear is a Salem attorney in solo practice