вторник, 14 июля 2015 г.

uToday In Professional Envy: Cheese Scientistsr


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  • Cheese, glorious cheese. Where would we be without you? No sandwich would be complete, many a pizza would suffer and countless stomachs would be bereft. But in order to fully appreciate our access to such a divine food, we must also give props to a profession of great importance, and the subject of great envy: cheese scientist.

    Yes, dear reader, there is such a thing as a cheese scientist, which won’t surprise anyone who has a basic understanding of how cheese is made, but is still a fun job to think about.

    Wired.com has a great report on the life of microbiologists working in the cheese field, the scientists who manipulate microbes like yeast, mold and bacteria, along with the lactic acid and rennet used in the cheesemaking process, in order to come up with all the many variations out there.

    Though there are cheese scientists at work at universities and colleges, some companies go so far as to employ in-house microbiologists, who sometimes even resort to tactics like DNA sequencing to control the flavor.

    Microbes break down the proteins and fats in milk to create different flavors of cheese, depending on which microbes are used. Stinky cheeses can get their smell from mold that breaks milk proteins down into sulfur compounds that are tiny enough to float through the air to your nose, for example.

    And to make the white rind of a camembert, cheesemakers spray mold onto the curds to break the cheese down from the outside.

    One cheese scientist/microbiologist from Tufts University works with cheesemakers to tweak their products’ microbes in order to come up with the tastiest cheese possible. A cheese company he’s worked with in the past has more than 190 different microbes in its milk before pasteurization, he says.

    “For some cheeses, you can have a whole bouquet of flavors from over a hundred different compounds,” he tells Wired.com. “All the chemical components in the milk are essentially being restructured and reorganized in different formations that look, taste, and smell different.”

    The bottom line? Cheese is delicious, and impossible without science. Good work, cheese scientists. We salute you.

    For more on the science of cheese, make sure to check out Wired.com.



ribbi
  • by Mary Beth Quirk
  • via Consumerist


uBank Of America, Wells Fargo Top List Of Most Complained About Mortgage Issuersr


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  • For the past four years, the Consumer Financial Protection Bureau’s Consumer Complaint Database has seen its fair share of consumer issues related to mortgages. In fact, complaints regarding loan modification, collection, foreclosure, loan servicing, payments and escrow accounts continue to be one of the biggest financial thorns in consumers’ sides. And the worst offender? Bank of America.

    That’s according to a new report [PDF] from the U.S. PIRG Education Fund, which examined more than 138,000 mortgage-related complaints in the CFPB’s public complaint database.

    The report – the sixth in a series reviewing complaints made to the CFPB – looked at mortgage issues that occur when consumers are unable to pay, encounter difficulty making payments, applying for the loan, signing the agreement, receiving a credit offer and others.

    Screen Shot 2015-07-14 at 1.31.31 PM
    According to the report, the vast majority of mortgage complaints – about 85% – fall into two categories: problems when consumers are unable to pay (55%) and problems making payments (30%).

    “In particular, consumers still complain about delays and ambiguity in the review of their modification applications,” the report states. “Some consumers expressed concerns about the decimation requests they receive and argue that they were not provided a reasonable date by which the required documents had to be returned but instead were instructed to return the documents “immediately.”

    That appears to be the case for a Virginia veteran who had been approved for a loan modification to avoid a foreclosure. Because he was given less than two weeks to turn in paperwork instead of the four weeks he was originally told, he was at increased risk for losing his home.

    In all, just 10 companies account for 77% of all mortgage complaints to the CFPB.

    Screen Shot 2015-07-14 at 1.30.44 PM

    Topping that list is Bank of America, which has received 31,123 mortgage complaints in the database since 2011 – representing about 23% of all mortgage-related complaints.

    The financial institution was the most complained about company in 45 states and the District of Columbia. The second most complained about company was Wells Fargo, which had the most complaints in five states.

    While dealing with issues with their mortgages can be a frustrating experience for consumers, the report found that more than one in 10 consumers who reported mortgage issues to the CFPB receive relief, either monetary or non-monetary.

    One of the consumers who received relief was the aforementioned Virginia veteran.

    “Consumers need a strong CFPB that reins in reckless mortgage companies who ignore the rules,” Mike Litt, Consumer Program Advocate with the U.S. PIRG Education Fund, said in a statement. “Before the CFPB was created, victims of mortgage errors like misapplied payments and incorrect late fees were at the mercy of the banks. Now, we have a cop on the beat.”

    With its authority over both updated and new mortgage regulations, the CFPB has also taken enforcement actions against more than 40 companies, halting illegal activities and securing over $2.9 billion in relief and refunds for mortgage consumers, the report states.

    Still, PIRG suggests that the CFPB can do more to help consumers facing difficulty when dealing with their financial servicers, such as creating downloadable applications so individuals can share their stories via mobile phone and increase publicity for the complaint database process, bringing it to more consumers’ attention.

    New Report: Mortgage Problems Rank #1 At CFPB For Consumer Complaints [U.S. PIRG]



ribbi
  • by Ashlee Kieler
  • via Consumerist


uWalmart Worker Suing Retailer Claiming Its Previous Benefits Policy Discriminated Against Same-Sex Couplesr


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  • A Walmart employee who married her wife before the company changed its policy to extend health insurance benefits to same-sex couples is now suing the retail giant, claiming it violated gender discrimination laws.

    The lawsuit filed in U.S. District Court in Boston is seeking nationwide class-action status, reports Reuters. In it, an office manager who has worked at Walmart stores since 1999, says that her wife (who also worked for Walmart until 2008) developed cancer in 2012 and Walmart’s denial of insurance racked up $150,000 in medical debt for the couple.

    The two women were married in Massachusetts in 2004, when the state became the first in the country to allow same-sex marriage. The lawsuit says the company repeatedly denied requests by the employee to add her wife to her insurance policy.

    When she took her claims to the U.S. Equal Employment Opportunity Commission, Wal-Mart said federal anti-discrimination laws didn’t apply to lesbian, gay, bisexual and transgender employees, so it wasn’t required to offer benefits to their spouses.

    The lawsuit says that past policy is a form of gender discrimination, as the wife of a male employee would’ve received health insurance.

    In 2014, Walmart changed its policy and began offering health insurance benefits to same-sex spouses. Despite that, the lawsuit claims that workers can’t rely on the company to provide health insurance.

    “Benefits provided by Wal-Mart as a matter of grace… are not secure and could potentially be withdrawn just when large health care costs are incurred,” the lawsuit says.

    Consumerist asked Walmart for comment, as well as whether current employees can count on benefits for same-sex couples, and received the below statement from a spokesman:

    “Walmart expanded its benefits starting in January 2014 and currently covers same sex spouses and domestic partners. We have not yet seen the details of the lawsuit and out of respect for [the plaintiff] we are not going to comment other than to say our benefits coverage previous to the 2014 update was consistent with the law.”

    Wal-Mart sued over denying health insurance to gay worker’s wife [Reuters]



ribbi
  • by Mary Beth Quirk
  • via Consumerist


uAgreement Temporarily Stops Collection On Defaulted Loans For Some Former Corinthian College Studentsr


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  • healdheaderFormer Corinthian College students left with piles of debt after the company closed its Heald College, Everest University and WyoTech campuses earlier this year are getting a bit more relief, as the Department of Education announced it would temporarily suspend debt collection attempts against some borrowers.

    MarketWatch reports that the Dept. of Education has agreed that until November it will stop debt collection attempts for up to 40,000 former students of the now-defunct for-profit college chain who have defaulted on their loans.

    The relief comes as part of an agreement between the Dept. and a group representing Corinthian students during the company’s bankruptcy proceedings.

    In exchange for halting the collection of debt, the student committee agreed to withdraw its petition that sought a court-ordered stay of collection efforts on all former Corinthian student loan debt. The group had sought the court-ordered freeze on debt collection while the Dept. and other creditors – through bankruptcy proceedings – hash out who is responsible for repayment of loans students took out to finance their CCI education.

    As part of the agreement, the Dept. of Education will send letters to former Heald College students – those who attended the school since 2010 – notifying them that their loans are eligible for forbearance – the reduction or temporary halting of payment on student loans.

    “This is a small step in the right direction. It illustrates a willingness by the Department of Education to work with the committee,” Scott Gautier, a bankruptcy attorney at the law firm Robins Kaplan in Los Angeles, who is representing the students, tells Marketwatch.

    The Dept. of Education’s agreement to stop debt collection actions against some borrowers comes two months after it announced students at schools under the Corinthian Colleges Inc. umbrella would get the chance to request that some or all their federal student loan obligation be lifted.

    That plan applied to students who attended (after June 20, 2014) the 30 CCI campuses that closed in April. The Department provided two avenues for relief:

    1. Apply for a closed school loan discharge, which would get rid of the obligation to repay and reimburse the student for any payments made; or

    2. Transfer earned credit to another institution to continue their education in a comparable program.

    Taking the second option and continuing your education does not mean you give up your right to some relief. If you believe that you were a victim of fraud (or any other legal violation) by a CCI school, you can make a claim for debt relief under a legal rule called “borrower defense to repayment.”

    When you apply for a borrower defense, you can have your federal loans put into forbearance so that you’re not making payments (but you don’t get in trouble for not making them) while your claim is being resolved. If a borrower is already in default, they may request a stop to collection activity.

    In either case, interest will continue to accrue pending the outcome of the dispute. Borrowers can opt out of the forbearance if they wish.

    If you are a Corinthian student seeking debt relief of either type, please visit the FSA website or call toll-free at (855) 279-6207 and a staff member will provide the information you need.

    To expedite dispute resolutions regarding CCI student loans, the Dept. of Education is acknowledging that Corinthian misrepresented job placement rates for a majority of programs [PDF] at its Heald College campuses between 2010 and 2014. Students in the programs listed in the PDF during that time are entitled to a discharge of their Federal Direct Student loans if they can claim they relied on those fraudulent placement rates in deciding to attend Heald.

    California-based CCI, once one of the largest for-profit college chains in the country, has been at the center of numerous federal and state investigations and lawsuits and began downward dive last summer after agreeing to sell or close a majority of its campuses in a deal with the Department of Education.

    The company completed the sale of some 56 campuses to Education Credit Management Corporation in early February. In order to close that deal, ECMC agreed to provide $480 million in forgiveness for current and former students who took out CCI’s high-cost private student loans.

    Since that time, CCI has faced several other issues including being delisted from Nasdaq and notice from the California Student Aid Commission that it would halt grants to CCI students. Both of those moves came after the company failed to submit required financial statements to both the Securities and Exchange Commission and the student aid commission.

    The company’s downward spiral concluded in April when it announced it would close its remaining campuses. The next month the company filed for bankruptcy, leaving hundreds of thousands of student holding hundreds of thousands of dollars in worthless student loan debt.

    As many as 40,000 Corinthian students could get temporary relief from their loans [MarketWatch]



ribbi
  • by Ashlee Kieler
  • via Consumerist


uBack-To-School Shoppers Delight Retailers, Plan To Spend More This Yearr


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  • If you’ve visited a big-box or office-supply store in recent weeks, you know that retailers are ready for the back-to-school shopping season to begin, even if children aren’t. You can’t blame stores for being excited, though: parents say that they plan to spend more on outfitting their kids for school this year than they have in recent years.

    Of course, what people say they plan to do in the future and what they end up doing once their wallets are actually out are different things. However, in a survey by the obviously impartial International Council of Shopping Centers, two-thirds of shoppers say that they plan to spend more during the upcoming back-to-school shopping season.

    When the back-to-school season starts is a matter of some debate: we’ve seen stores for which the season is crucial start their ads and promotions in mid-June, which is before schools in some parts of the country have even let kids out for the summer.

    Retailers admit that their reason for doing this is to draw shoppers in to pick up their loss leaders, like impossibly cheap notebooks or packages of paper, before they go anywhere else to buy the same items.

    Back-to-School Shoppers Plan Biggest Spending Boost in Years [Bloomberg]



ribbi
  • by Laura Northrup
  • via Consumerist


uFrontier Airlines Rewarding Passengers Stuck In The Middle With A Wider Seatr


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  • Her arm is touching your arm. His tuna sandwich breath is just too close. Such are the annoyances facing travelers who get stuck with the middle seat on airplanes. Frontier Airlines is willing to throw those passengers a bone, and will be adding an extra bit of room to the middle seat as part of a new seating overhaul on some of its planes.

    In a story from Conde Nast Traveler that has currently caught the eye of the Internet, Frontier says the new seats it’s installing in its Airbus 320s and 319s will have a whole extra inch of width for those sitting in the middle of the row, coming in at 19 inches.

    Even more exciting, in a world where add-on fees have become the norm, the wider seats won’t cost travelers any extra cash.

    However, the new seating plan also comes with its share of downsides, because of course it does, this is an airline we’re talking about: seating rows will be closer together, so that the pitch — the distance between the end point on one seat and the same point in the seat ahead of it — is only 28 inches, compared to the previous 30 inches in the previous seating plan.

    Or as the airline’s president, Barry Biffle, calls it, a “built-in knee guard,” CNT notes.

    Seats will also be stuck in position, in a new “pre-reclined” mode that is designed to keep flight attendants from constantly reminding people to return their seats to the upright position. A total of 12 seats will be added to each flight with this new arrangement.

    The One Airline That’s Actually Improving the Middle Seat [Conde Nast Traveler]



ribbi
  • by Mary Beth Quirk
  • via Consumerist


uRegulators Open Investigation Into Another Airbag Maker Over Possible Rupture Defectr


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  • As the National Highway Traffic Safety Administration continues to investigate why millions of Takata-produced airbag inflators have a tendency to spew pieces of shrapnel with enough force to injure or kill occupants, the agency has opened a second probe into another airbag manufacturer for similar rupture issues.

    The Wall Street Journal reports that federal regulators opened an investigation into ARC Automotive Inc.-produced airbag inflators used in Fiat Chrysler and Kia vehicles after receiving complaints that the devices can rupture, sending metal fragments flying at passengers.

    In all, the investigation covers the airbag inflators found in nearly 420,000 model year 2002 Fiat Chrysler Town and Country minivans and about 70,000 model year 2004 Kia Optima sedans.

    According to documents [PDF] posted by NHTSA, the agency opened the investigation after concluding that a consumer complaint received in December 2014 and an injury incident report submitted by Kia Motors last month, both regarding ARC inflators, were related. Both of the complaints involve injuries but no fatalities.

    The first complaint concerns a 2009 incident in which the driver’s side airbag inflator ruptured in a 2002 Chrysler Town and Country minivan.

    “My wife was turning into our driveway and collided with a snowmobile,” the complaint states. “The driver side airbag deployed. There was a problem with the inflator and the airbag exploded putting shrapnel into her body. Because of the location of the airbag and the body, most of the shrapnel went into her chest, with the airbag plate breaking apart, striking her in the chin breaking her jaw in three places. If it hadn’t been for a great ambulance crew she would have bled to death. She was in a trauma hospital for three and a half months. She has permanent muscle and nerve damage, the jaw is not aligned correctly so she has problems eating.”

    After receiving the complaint, NHTSA’s Office of Defects Investigations (ODI) contacted Fiat Chrysler and conducted a search for similar incidents. Based on information provided by the manufacturer and through its research, investigators determined that the 2009 incident was a single isolated event.

    However, six months later, in June 2015, Kia notified ODI of a lawsuit that involved a 2014 incident in New Mexico in which the driver’s side airbag inflator ruptured in a model year 2004 Kia Optima.

    After looking into the Kia lawsuit, ODI revealed that both the 2009 and the 2014 incidents included inflators supplied by ARC Automotive.

    ARC manufactures inflators that other companies use in airbag modules that are then sold to vehicle manufacturers. The inflator used in both the Town and Country and the Optima is a hybrid design which relies on two distinct sources of energy.

    According to NHTSA, the ARC inflator fills the airbag cushion by releasing an inert gas stored in the inflator at high pressure. This specific gas mixture is augmented by an ammonium nitrate based propellant – the same chemical used in defective Takata airbags.

    ARC tells ODI that the pressurized gas mixture and propellant are contained entirely within a hermetically sealed steel housing and is therefore isolated from external atmospheric conditions.

    A preliminary analysis of the Fiat Chrysler rupture – which involved an airbag module produced by Key Safety Systems that had a dual stage ARC inflator – found that the exhaust path for the inflation gas mixture may have been blocked by an unknown object. The blockage appears to have caused high internal pressure and the subsequent rupture of the inflator assembly, NHTSA reports.

    As for the Kia incident, the airbag module in question was manufactured by Delphi and had a single stage ARC inflator, investigators have yet to determine the root cause of the rupture.

    “At the present time it is unknown if there is a common root cause in these incidents. ODI is opening this investigation in order to collect all known facts from the involved suppliers and vehicle manufacturers,” NHTSA reports.

    The investigation into the ARC inflators comes just two months after Japanese auto parts maker Takata caved to regulator pressure and recalled 33.8 million vehicles equipped with defective airbags.

    Regulators first opened a probe into Takata-produced airbags in the summer of 2014. Since then, eight deaths and more than 100 injuries have been linked to the explosive inflator ruptures.

    Much of the investigation into the Takata airbags have surrounded the company’s use of ammonium nitrate as its main propellant. The chemical is known to become unstable over time, especially when exposed to moisture, a revelation that led regulators to first recall vehicles in high humidity areas of the U.S.

    Regulators, car manufacturers and Takata continue to determine why the airbag inflators malfunction.

    U.S. Regulators Investigating More Air Bags Following Two Incidents [The Wall Street Journal]



ribbi
  • by Ashlee Kieler
  • via Consumerist