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The Consumerist

Budweiser To Waste Money Trying To Convince 20-Somethings To Drink Bud

Mon, 2014-11-24 17:42



By its own admission, nearly half of American beer-drinkers between the ages of 21 and 27 not only don’t drink Budweiser, but have never even tried the self-crowned King of Beers. That’s why we will all have to endure months of young and edgy ads attempting to target this demographic (before the company goes inevitably back to its default flags/horses/baseball marketing).

Between the mass-produced light beers (including Bud Light) that dominate the big beer market and the dizzying array of smaller and craft beers, Budweiser’s share of the worldwide suds market is a little more than half of what it was only a decade ago, and it’s only going to keep slipping with the youngest group of (legal) drinkers largely ignoring the brand.

Since there are only so many independent brewers that Budweiser parent company AB InBev NV DDS FYI PYT KITT can snap up, the multinational beer behemoth is going to try to win over the younger demographic through that tried-and-true method (for near-certain failure) — more youthful advertising.

According to the Wall Street Journal:

That means it will not trot out the traditional Budweiser Clydesdales for this year’s holiday advertising. It means February’s Super Bowl ads will feature something more current than last year’s Fleetwood Mac. It means less baseball and more raves with DJ group Cash Cash.

Additionally, Budweiser says it will start sponsoring more events that are targeted at this age group, like food festivals, along with adding parties in college towns — but of course it isn’t intending to market to underage drinkers. Cough cough.

The company has tried to reinvigorate its brand through marketing — like when it handed out 500,000 free samples at sporting events in 2010 — but its numbers keep slipping.

What Budweiser doesn’t seem to understand is that the era of being a “Bud guy” or a “Miller guy” is long gone, especially when it comes to drinking at bars or restaurants.

Many of today’s younger beer drinkers don’t have an undying loyalty to a brand. Instead, they like to try different brews, experiment, mix and match with their food and mood.

So even if AB InBev can convince some of the people born in 1994 (lord, that’s terrifying) that their first of-age beer should be a Bud, and possibly even get them to like the brand, it still faces the problem of choice. When that person sits down at the bar and sees dozens of different options, it can be awfully difficult to not try something other than Budweiser.

City Is No Charlie Brown, Kicks Ugly Christmas Tree To The Curb

Mon, 2014-11-24 17:33



The opportunity to play the sad Christmas tree music from Charlie Brown in the context of an actual sad, ugly Christmas tree story doesn’t come around too often, but today is that day: The town of Reading, PA is ditching a tree deemed too pathetic and unseemly for the public eye in favor of a newer, more pleasing to the eye specimen.

The scrawny 50-foot spruce soured holiday feelings, reports with residents complaining that the tree just looks pitiful.

“I know Reading is not doing too great,” one man who works near the tree told the news station. “But facing this tree up here is making it even worse.”

“If I were a squirrel looking for a home for the winter, I wouldn’t even go in that tree,” said another.

To revive the town’s holiday jollity, the city council president is leading a group to raise funds for a two new, prettier trees and the money to decorate them.

Apparently the current tree was a last-minute replacement from a city park — the city was supposed to get a tree from a farm but the owner wouldn’t workers drive on wet ground when it came time to fetch it.

The council president says the group has already raised $1,000 in donations for the new, un-sad trees, and he’ll go shopping for them this weekend.

“So hopefully we’ll be able to have a beautiful Penn Street appropriate tree here by Monday night,” he said.

It’s not all sad music for the ugly tree, however, as WFMZ said it received an email from a local auto dealership, expressing interested in adopting it, in true Charlie Brown fashion.

On that note, take it away, Charlie:

City’s “ugly” Christmas tree causes controversy []

Papa John’s Brings Back The Cheesesteak Pizza For Some Reason

Mon, 2014-11-24 16:56

IMG_0007If you were looking forward to trying the Fritos Pie Pizza at Papa John’s, and we’re not sure why you would have, bad news: the specialty pizza theoretically ended its promotional period yesterday. However, there’s a replacement exotic pizza on the menu: a Philly Cheesesteak pizza.

How do you turn that into a pizza? The recipe starts with a creamy garlic sauce, and of course there is shredded steak. The cheese on top is provolone, and then it features onions and green peppers as well.

They’re calling this product “new,” but it appears to be pretty much the same cheesesteak pizza that Papa John’s has taken on and off the menu for years now.

The other item in the press photo above is a holiday-season Red Kettle Cookie, which has red candies in it and serves as a fundraiser for the Salvation Army.

FAST FOOD NEWS: Papa John’s Philly Cheesesteak Pizza and Red Kettle Cookie [The Impulsive Buy]

FCC Expects To Be Sued Over Net Neutrality No Matter What It Does

Mon, 2014-11-24 16:46

FCC chairman Tom Wheeler testifying before the House on May 20, 2014.

FCC chairman Tom Wheeler testifying before the House on May 20, 2014.

In 2010, the FCC enacted net neutrality rules aimed to prevent Internet service providers from blocking, slowing down, or speeding up access to websites based on how much they pay — and the agency was sued by Verizon for overstepping its authority. Now that the FCC is reconsidering those rules to either make them weaker or possibly reclassify ISPs so that the agency can enforce neutrality. But no matter how it moves forward, the agency expects to be sued.

“Let’s make sure that we understand what is going on here,” said FCC Chair Tom Wheeler on Friday [via DSL Reports]. “The big dogs are going to sue regardless of what comes out.”

Several large ISPs, led by Verizon, have already stated they will file lawsuits if the FCC attempts to reclassify broadband, which is currently designated as a lightly regulated information service, as telecommunications infrastructure.

“Any time the commission has been moved to do something” about neutrality, said Wheeler, “one of the big dogs have gone to sue, so I guess we should be informed by history.”

The Chair initially drew criticism from neutrality supporters for his industry-friendly proposal that included limited allowances for so-called “fast lanes,” which would allow ISPs to charge companies like Netflix and Google more money for better access to end-users.

So far, Wheeler has only left open the possibility of reclassification, but just the mere notion that the Commission might eventually go this route has led to legal threats.

The issue was shoved into the spotlight recently when President Obama publicly stated his support for reclassification, resulting in a campaign of misinformation from certain lobbying groups attempting to politicize the issue.

United Airlines Expands In-Flight Entertainment To Android Devices

Mon, 2014-11-24 16:28

(Adam Fagen)

(Adam Fagen)

Travelers who use Android devices hoping to catch a movie on their next United Airlines flight finally have the same opportunity already afforded to their Apple counterparts.

The Chicago Tribune reports that the airline officially extended its onboard streaming service to include the devices nearly eight months after the program first began.

Initially, the airline’s free on-demand video entertainment service was only available to travelers using laptops and Apple devices.

Travelers must download the United app from the Google Play or Apple App store in order to watch United’s selection of free TV shows and movies while in flight.

Currently, United has almost 200 United mainline aircraft offering the personal device entertainment service.

Officials with United say they plan to extend the service to most United and United Express aircraft by late 2015.

“Travelers increasingly want to watch entertainment on their own devices, as shown by the measurable improvement in satisfaction among travelers who fly on aircraft with personal device programming,” Tom O’Toole, United’s senior vice president of marketing and loyalty and president of its frequent-flier program MileagePlus tells the Tribune.

United Airlines extends onboard streaming to Android devices [Chicago Tribune]

Redbox Hikes Prices For Movie And Video Game Rentals

Mon, 2014-11-24 16:14



The cost of a night in with a rental DVD is about to get a little more expensive for those of us out there who still rent physical movies and video games: Redbox is increasing the price of DVD rentals by 25%, as its parent company Outerwall Inc. tries to boost its revenue stream.

Starting Dec. 2, DVD rentals will cost $1.50 per night, compared to the current $1.20, reports the Wall Street Journal.

Blu-ray discs will go for $2 per night, up from $1.50, which is a 33% increase. Videogame rentals will now cost $3 per night instead of $2 as well, beginning in January.

Redbox is also moving into Netflix territory with a new recommendation engine much like the one its competitor uses to guide customers to content they might like, as well as investing in mobile technology and a better way to stock its kooks.

“Creating a business plan that allows us to make these investments in the future is important,” said Redbox President Mark Horak.

While one might scoff at heading outside the home to pick up a movie for the night, what with the plethora of online streaming options, the appeal of Redbox is in its prices, which will still be around one-third the cost for a typical video-on-demand rental. Kiosks also stock newer releases than the content available on competitors like Netflix and Hulu.

Redbox Raising DVD Rental Price by 25% [Wall Street Journal]

Naked Man Falls Through Airport Bathroom’s Ceiling, Allegedly Attacks Elderly Man

Mon, 2014-11-24 15:45



Whenever someone is naked in public, there are so many questions: When did the clothes come off? Is there a stash nearby? And why would someone decide to crawl around in the ceiling of an airport bathroom in his birthday suit? State police in Boston have arrested a man who fell through the ceiling of a women’s bathroom at Logan Airport, and then allegedly assaulted an elderly man outside the restroom.

While one might think that being free to frolic unfettered by clothing would make a person all sweetness and light, police have charged a 26-year-old man with attempted murder, mayhem, assault and battery on a person over 60, assault and battery on a police officer, lewd and lascivious conduct and malicious destruction to property after a bizarre incident in the buff on Saturday, reports the Associated Press.

A woman using a restroom located before the security checkpoint reported that the sky was falling and with it, a naked guy who dropped from the ceiling into the stall area, a state police spokesman said. It seems he’d slipped into the bathroom, stripped down and hitched himself up into the crawl space of the bathroom, before it came crashing down.

He then ran from the restroom and allegedly assaulted an 84-year-old man he ran into, biting his ear and reportedly trying to choke him with the man’s own cane.

Troopers arrested him in a bit of a scuffle, leaving one of the officers with a hand injury. The elderly victim of the assault was taken to the hospital to have his ear treated.

Cops: Naked suspect assaults man, 84, at airport [Associated Press]

Ranchers Legacy Meat Co. Recalls 1,200 Pounds Of Ground Beef Over E.Coli Contamination

Mon, 2014-11-24 15:34

(me and the sysop)

(me and the sysop)

Sure, it’s Thanksgiving week and we’re all preparing to devour our fair share of turkey. But some consumers prefer a main dish that’s a little more beefy. If you’re part of that camp, you might want to check the label after a Minnesota firm recalled ground beef that may be contaminated with E. coli.

The U.S. Department of Agriculture announced that Ranchers Legacy Meat Co. recalled 1,200 pounds of ground beef that may contain a particularly dangerous strain of E. coli O157:H7.

The recalled products, which were produced on November 19, were distributed to retailers nationwide in plastic packets and contain various weights of ground beef.

All of the packages have the use by date of December 10, 2014 and bear the establishment number “Est. 40264″ inside the USDA mark of inspection.

Individual products include:
• Ranchers Legacy Ground Beef Patties 77/23
• Ranchers Legacy Ground Chuck Patties 80/20
• Ranchers Legacy USDA Choice Ground Beef 80/20
• Ranchers Legacy USDA Choice WD Beef Patties 80/20
• Ranchers Legacy RD Beef Patties 80/20
• OTG Manufacturing Chuck/Brisket RD Patties
• Ranchers Legacy Chuck Blend Oval Beef Patties
• Ranchers Legacy WD Chuck Blend Patties
• Ranchers Legacy USDA Choice NAT Beef Patties 80/20
• Ranchers Legacy NAT Beef Patties 80/20
• Ranchers Legacy USDA Choice NAT Beef Patties 80/20
• Ranchers Legacy Ground Chuck Blend
• Ranchers Legacy Chuck Blend Bulk Pack NAT Patties
• Ranchers Legacy Chuck Blend NAT Beef Patties

The recall was initiated after a routine inspection by the USDA Food Safety and Inspection Service found traces of E. coli at the Minnesota plant.

FSIS and the company are concerned that some product may be frozen and in consumers’ freezers. FSIS and the company have received no reports of illnesses associated with consumption of these products.

According to the USDA, E. coli O157:H7 is a potentially deadly bacterium that can cause dehydration, bloody diarrhea and abdominal cramps 2–8 days (3–4 days, on average) after exposure the organism. While most people recover within a week, some develop a type of kidney failure called hemolytic uremic syndrome (HUS). This condition can occur among persons of any age but is most common in children under 5-years old and older adults. It is marked by easy bruising, pallor, and decreased urine output. Persons who experience these symptoms should seek emergency medical care immediately.

Minnesota Firm Recalls Ground Beef Products Due To Possible E. Coli O157:H7 Contamination [USDA]

Why You Should Rethink Buying Gift Cards This Year

Sat, 2014-11-22 00:04

(Patrick Carlson)

Yeah, about that Borders gift card… (Patrick Carlson)

Giving people gift cards has many advantages: you can take a loved one out to dinner from hundreds or thousands of miles away, or you can buy someone new clothes or shoes without guessing at their size. However, gift cards and prepaid debit cards aren’t always the one-size-fits-all gift option that they seem to be, since they can have some serious drawbacks.

Our merry elf colleagues down the hall at Consumer Reports put together a list of reasons why you should reconsider giving gift cards this holiday season, and here we’ve combined their advice with some of our own.

People don’t want ‘em. In a poll, only 37% of Americans said that they really want to receive gift cards this year. Me, I like gift cards, but that’s because I feel obligated to spend cash gifts on useful things, and a gift card to Sephora is, by definition, permission to go buy something frivolous. Maybe it depends on the retailer: a card to your favorite local sandwich shop is more personal than a card to, say, Subway or Walmart.

The funds aren’t protected. If a company goes out of business, you’re left with a nice scraper to remove frost from the outside of your car, and that’s about it. Readers holding KB Toys gift cards, for example, failed to notice that the company was going out of business, and lost their money. Your Borders, Circuit City, and Sharper Image cards? Useless. Also, if a store employee fails to activate a card correctly, you could be stuck with the blame, or at least in for an embarrassing gift-giving experience and a fight with Walmart.

They’re limited. Even if a company is still in business, do your research and make sure that a store is actually available where the recipient lives. Drugstores where I live sell AMC gift cards even though there isn’t an AMC movie theater within 150 miles, because gift card selections are standardized.

There are fees. This applies to prepaid debit cards more than store gift cards, but beware of loading fees for prepaid gift cards, and dormancy fees on all types of cards.

No dispute protection. Credit cards and many debit cards offer you extra warranty protection and the right to dispute a charge within two months if something goes wrong with your purchase. Gift cards do not.

Why gift cards shouldn’t top your holiday shopping list [Consumer Reports]

Amazon Signs 17-Year Lease On Manhattan Building That Is Totally Not A Store

Fri, 2014-11-21 23:22

Amazon's new neighbor. (Joel Zimmer)

Amazon’s new neighbor. (Joel Zimmer)

More than a month ago, there were reports that Amazon planned to rent space in Manhattan across the street from the Empire State Building to expand its own empire into brick-and-mortar retail. While Amazon has signed a lease on space in that building that includes ground-floor retail, the company says that it is not going to use that space. Nope.

An Amazon spokesperson told Bloomberg News that the space does not represent an expansion of Amazon into real-life selling. “We have leased this building primarily as corporate office space and we intend to sublease to other tenants the ground-floor retail space,” she explained. The building was once a discount department store called Ohrbach’s, and is now mostly office space. There are currently clothing stores in the retail spaces: if the speculation about Amazon opening a retail store was false, presumably they would stay and sublet from Amazon.

It wouldn’t be a bad idea to have an Amazon Store in such a high-traffic area. Maybe if tourists and influencers could get their hands on a Kindle Phone, the company could sell the rest of them. Saying that the space won’t be a store doesn’t rule out using some of the building as warehouse space for popular items to help the company pull off same-day delivery.

Amazon Leases Office Space on Manhattan’s 34th Street [Bloomberg]

There’s A Bus In England That Runs On Human Feces – And Food Waste

Fri, 2014-11-21 22:49

bio busIf you’re looking to take part in an adventure not unlike one you’d see on The Magic School Bus, then you might think about hitching a ride on the bus fueled by bio-methane gas, which is produced using materials most of us can’t get rid of soon enough — fecal matter and food waste.

The Bio-Bus, which made its first trip this month, seats 40 passengers and can travel up to 186 miles on one rooftop tank of waste fuel.

“Not everything we flush goes to waste,” a YouTube video of the new bus explains. “The Bristol sewage treatment works uses food waste and sewage to power 8,300 home everyday.”

While producing power for homes is an admirable concept, GENeco – the company behind the initiative – decided to take things a step further by hitting the road.

GENeco’s video explains that the amount of biomethane gas it takes to produce one tank for the bus is roughly the same amount produced annually by five consumers.

A one-way trip to Bristol Airport from Bath city center – the bus’ dedicated route (about 20 miles)– is estimated to take the biowaste produced by one person annually.

Do we smell a new payment system for public transit? Okay, probably not, but it might be something to consider down the road.

And while a ride on the “poo-bus” sounds unpleasant at first, riders don’t have to be worried that their commute will be stinky. The process to create the biomethane gas actually removes impurities, including odors.

[Via Mashable]

Kitten Escapes New Mexico Home On Halloween, Shows Up 2,300 Miles Away In Maine

Fri, 2014-11-21 22:42

(Portland Press Herald)

(Portland Press Herald)

There is nothing more suited for a Friday afternoon than a heartwarming tale involving a lost kitten finding her way home against all odds, so I will go ahead and accept your thanks in advance. The starring cat of today’s story escaped her home in New Mexico during Halloween trick-or-treating, only to reappear in Maine a few weeks later.

Because cats can’t talk, it’ll likely forever remain a mystery how six-month-old Spice traversed the 2,300 miles between her home and Portland, ME, where he was found in a duffel bag outside a thrift shop, reports the Portland Press Herald.

He’s now safe at a Portland animal refuge after her three-week odyssey, after she was identified by her microchip. A passerby helping a man lift furniture he was dropping off at the thrift store noticed the duffel bag on the street. He brought it inside and set it down, and saw that the bag moved.

When he opened it, Spice popped out, as well as kitty litter and cans of food. He didn’t know what to do so he took him home on Nov. 5. Spice acted up, and her adoptive family brought him to a local shelter, where her microchip revealed her true home.

The shelter says the woman was confused when they called her to let her know Spice had been found in Maine.

“She said, ‘I don’t know anyone in Maine. I haven’t visited Maine,’ ” a shelter rep explained.

Spice is in fine health after whatever ordeals she may have gone through, but it’s unclear when she’ll go home, if at all — her owner wants her, but can’t afford to have her flown across the country. The shelter can’t afford to foot the bill, either, so Spice will stay put for now.

“We’re going to do everything we can to reunite her with her owner,” the shelter rep says.

Furry mystery pops out of duffel bag: A feline from (far) away [Portland Press Herald]

FCC Proposes Some Consumer Protections As They Inch Closer To Killing Off Copper Landlines

Fri, 2014-11-21 22:39



Phones are wireless, consumers are cutting back, and copper is expensive: all are reasons why the big phone companies want permission from the FCC to walk away from old-fashioned landline networks and to keep moving toward an internet-based future. The FCC tentatively agrees, and voted 3-2 today to take another baby step in the process that will end up making the nation’s century-old copper landline network obsolete.

Formally, the FCC adopted a notice of proposed rulemaking (NPRM) that sets down the broad strokes of the commission’s requirements for the next steps in what’s known as the IP transition (where voice service moves from copper wires to internet protocol). The key areas the FCC’s proposal addresses are:

  • Protecting consumers’ ability to call 911 from their home phones in a power outage
  • Requiring transparency to consumers about the transition to new tech
  • Making sure new tech actually works before old tech is allowed to be discontinued
  • Preserving competition among services that use and rely on copper networks when those networks are shut down

The commission also clarified that carriers will need to seek approval to discontinue “legacy” service based on “the practical impact of its actions,” rather than based on existing regulatory fine print. The declaratory ruling “ensures that there will be a public process to evaluate a proposed discontinuance,” or, in English, guarantees that companies like Verizon and AT&T can’t just disappear landline phone service overnight all at once because they said so.

The specifics of the proposed rule put forward today address several areas of consumer concern. Verizon in particular has been accused in the past of permitting their copper-wire networks to degrade in order to push consumers into adopting VoIP services whether they want to or not.

The FCC and consumer advocates have also voiced concern about the ability to contact emergency services in a power outage. Copper-wire landline phones still work in most outages, but internet-based phones need to rely on a backup battery with a much shorter lifespan.

Today’s vote was the latest step in a long process that the FCC has been moving through for some time. In January of this year, the commission approve limited regional tests replacing old-fashioned landlines with new tech to see how they went. That process is still underway.

The NPRM adopted today doesn’t change anything yet. First, like every FCC rulemaking, it has a pleading and public comment period to go through. Then the commission gets to work crafting and voting on a final version of the rule.

Commissioner Ajit Pai, one of the two dissenting votes against the NPRM, said that “The commission has no business micromanaging each change a carrier makes to its network,” and argued that concerns about consumer harm are a “Chicken Little” baseless, unproven claim that the sky is falling.

However, FCC chairman Tom Wheeler disagreed, pointing to Verizon’s response to rebuilding — or rather, not rebuilding — damaged service in New York in the aftermath of Hurricane Sandy.

“This is not a hypothetical issue,” said Wheeler. He added, “Technology transitions will be speeded up by technology neutral rules that promote, preserve and protect … the set of values that consumers have rightly come to expect from their networks.”

Pizza Hut Thinks That Old Italian People Hating Its Pizza Is A Good Thing

Fri, 2014-11-21 22:07

pizza_dudePizza Hut is trying some new crusts and toppings in an attempt to coax Americans back under its formerly red roofs. We sent a colleague to try them out, and she reported back that the 21 varieties of new toppings and crusts she tried were nice, but not spectacular. Therefore, Pizza Hut has apparently turned to reverse psychology to sell their new offerings.

That’s the only logic that we can see in this marketing campaign based around a taste test with the elders (who may or may not be acting) of an unnamed Italian village. The message to take home seems to be, “These old farts don’t like the idea of jeggings, mobile pizza ordering, or the idea of pretzel pizza crust, so you probably will, because they are old and you are nothing like them!”

We will find out soon enough whether Pizza Hut’s flavor explosion is successful in reaching young, sriracha-loving consumers. The footage with the elderly Italians has also been sliced down into smaller ad chunks, so get ready to see this campaign on television or on streaming sites, where young people actually are.

New DoD Protections Aim To Keep Shady Businesses From Taking Advantage of Military Members

Fri, 2014-11-21 21:48


Members of the military — particularly younger members from lower-income backgrounds — are too often the target of shady, predatory businesses looking to take advantage of their youth and inexperience with finances. The Military Lending Act offers some protections, but these operators find ways to get around the law. On Friday, the U.S. Dept. of Defense took steps to eliminate some of those exploitations by creating reforms to the current military discretionary allotment system.

According to the Department of Defense, the policy changes [PDF] will prohibit servicemembers from using new allotments to purchase, lease or rent personal property, including vehicles, appliances and consumers electronics, effective January 1, 2015.

Currently, the military discretionary allotment system allows servicemembers to automatically direct a portion of their paycheck to financial institutions or people of their choosing. But often military personnel using the allotment system instead of other automatic payment options end up losing out on certain legal protections.

Existing allotments and those made for the purpose of savings, insurance premiums, mortgage or rent payments, support for dependents, or investments will not be affected. The changes do not apply to military retirees or Department of Defense civilian employees.

The new regulations are intended to eliminate the aspect of the allotment system most prone to abuse by unscrupulous lenders that prey on servicemembers.

Consumerist reported on one such company earlier this year, when the Consumer Financial Protection Bureau took action to stop USA Discounters from taking advantage of underpaid soldiers by charging exorbitant fees, suing them when they feel behind on payments and skirting the Servicemembers Civil Relief Act (SCRA), which gives active duty servicemembers the right to defend themselves but does not specify where lawsuits must be filed.

The retailer, which has locations near 11 military bases, advertised its always-approved credit offers to members of the military with bad credit or no credit history as a way to entice them to purchase items such as computers and televisions.

Officials with the Department of Defense say the new rules will significantly improve protections for all servicemembers and their families, while not significantly reducing the flexibility to use allotments for a number of legitimate purposes.

The changes were directed by Secretary of Defense Chuck Hagel following an interagency review conducted in response to major enforcement by the CFPB, the Dept. of Defense says in a new release.

Officials with the CFPB called the reforms a “critical new protection” for military personnel.

“In recent years, the allotment system has been used by unscrupulous companies that prey on servicemembers as a quick and secure way to get paid. Many of them have even required payment by allotment,” explains Holly Petraeus, CFPB director for servicemember affairs. “Today’s announcement will help prevent future abuses by addressing the problem at its source.”

Since its creation after the recession, the CFPB has recovered more than $98 million for thousands of consumers through multiple enforcement actions against entities whose businesses were largely premised on receiving payments from servicemembers, often through the military allotment system.

Earlier this week, the CFPB issued a reminder to service veterans of their rights to have some of their student debt forgiven, but warned that if they pursue the option they must be vigilant in checking their credit reports for inaccurate information.

Under federal law, veterans can seek federal student loan forgiveness if they receive a 100-percent disability rating by the Department of Veterans Affairs, the CFPB reported.

“We are concerned that, in some circumstances, when veterans are able to discharge their student loans due to their disability, they may experience damage to their credit report if their student loan servicer provides incorrect information to the credit bureaus,” the blog post warned. “These mistakes, if uncorrected, can result in a negative entry on their credit report that makes it harder and more expensive for these disabled veterans to get credit, buy a car or take out a mortgage.”

Pear Industry Super Psyched That Rick Ross Is Sharing His Love Of The Fruit With The “Young And Hip”

Fri, 2014-11-21 21:42



While you might not have seen a Vine from last month wherein rapper Rick Ross praises the pear for its contribution to his recent weight loss, sending a shoutout to “all the pear,” there’s one group that pays close attention to all things pear, and it is pretty darn excited that such a cool guy is talking about the fruit.

Modern Farmer says that while a USA Pears spokesperson says there hasn’t yet been an uptick in sales from Ross’ endorsement — shoppers often react to trendy products in pop culture by running out to buy them — the group is pleased as punch by the fact that it’s social media impressions are on the rise. Since the Vine was first posted, Ross’ fans have been touting the power of the pear and giving USA Pears props on Twitter especially, with people competing to outdo Ross’ show of affection.

Getting young, cool people to pay attention? It’s a marketing dream.

“On behalf of our 1,600 pear growers from the Northwest region, we are pleased that Rick has mentioned the health benefits of pears,” the USA Pears spokesperson told Modern Farmer. “Overall, we could not be more pleased with our message being delivered to a new, young and hip demographic.”

Your move, prunes.

Here’s the Vine (turn sound on at the bottom), but spoiler alert — Ross says a naughty word:

Shoutout to All The Pear: U.S. Pear Farmers Thankful to Rick Ross [Modern Farmer]

Court Bars FCC From Diclosing How Much Comcast, DirecTV Pay Broadcasters

Fri, 2014-11-21 21:29

(Great Beyond)

(Great Beyond)

Last week’s last-minute legal battle between just about every major TV broadcaster and the FCC came to quietly disappointing conclusion this morning, with a federal appeals court refusing to allow the government to share confidential details about the mergers of Comcast and Time Warner Cable, and DirecTV and AT&T.

For those coming to this story late, here’s the “previously on…” version:

The FCC is currently scrutinizing these two mergers and had decided to make confidential information — most importantly, the contracts that the pay-TV companies have with TV networks — available for private viewing by lawyers for parties with a direct interest in the deals.

The broadcasters asked the FCC to please rethink its position, arguing that this data is highly confidential and could damage their businesses.

A slim majority at the FCC said no, arguing that the disclosures “will aid the Commission in the expeditious resolution of these proceedings.”

And so the broadcasters — CBS, Disney, Fox, Time Warner, Viacom, Univision — asked a federal appeals court in D.C. to issue a stay preventing the FCC from going through with its plan. The court agreed last Friday, but gave the FCC the chance to make its case before ultimately deciding on whether to make the stay permanent pending judicial review.

Thus, on Monday the FCC filed its response [PDF], arguing that the broadcasters had failed to show that they would be likely to prevail in court on the merits of its claim.

The Commission points out that the networks are not challenging that this information is relevant to the merger review process or that the FCC should have access to it. They just want to block participating third parties from seeing it.

“Given the need for access, Petitioners’ challenges to the protective orders are doomed to failure,” writes the FCC.

One major concern by the broadcasters is that the confidential information would be shared with people beyond the scope of the FCC order, but the Commission claims that its directives “contain multiple safeguards against unwarranted disclosure” and that the broadcasters’ “fears are without any basis.”

The networks offered to provide anonymized documents that would omit the most sensitive data, but the FCC says it determined that this would result in too many redactions and would be “unrealistic and inappropriate.”

Finally, the FCC tried to make the claim that the broadcasters had failed to show that they would suffer irreparable harm by revealing this confidential information to select individuals under controlled conditions. If anything argued the response, a stay would harm consumers and slow the review process.

“Staying the order pending appeal will materially disrupt the current schedule for the Commission’s expeditious review and resolution of the proposed mergers,” concludes the response, “and by itself, could impact the outcome of these applications. Delay would inevitably prolong the regulatory uncertainty associated with the applicants’ business plans, and thereby disserve the public interest.”

In the end, the court settled the matter with only a couple of sentences.

“Petitioners have satisfied the requirements for a stay pending court review,” reads the order [PDF]. “The agency has access to the relevant documents at issue in this matter and can continue to evaluate the proposed merger during the stay.”

This last sentence is of significant importance as it means that the FCC is allowed to use the documents for its own investigation without having to wait until the appeals court rules on the case. Had the court kept the Commission from these docs while the appeal was pending, a decision on these mergers may have been delayed.

Texas Postal Worker Accused Of Delivering Meth On His Mail Route

Fri, 2014-11-21 20:43



While it might be convenient to tweak one job to allow for working a second at the same time, delivering methamphetamine while out on the postal route is the kind of thing that gets you arrested. A Texas postal worker attempted that kind of illegal multi-tasking, police say, dropping off drugs while doing his mail rounds.

The 39-year-old veteran mailman is facing felony narcotics charges after state investigators and the Drug Enforcement Administration looked into his doings for the last 10 months, reports the Smoking Gun.

Law enforcement received tips that narcotics was being sold from the mailman’s home as well as from the USPS truck he drove on the job. Investigators say he was in his mailman uniform and driving his route in that vehicle, while they watched him delivering meth as part of their surveillance operations.

A raid on his home last week resulted in police seizing $17,000 worth of meth.

Mailman Charged With Distributing Methamphetamine While On His Texas Delivery Route [The Smoking Gun]

Square CEO Says Company Will Accept All Forms Of Payment, Even Apple Pay

Fri, 2014-11-21 20:24


While Walmart and other major retailers are deliberately holding off on accepting Apple Pay because they are developing a competing mobile payment system, there are plenty of small businesses who want to offer Apple Pay but don’t want to invest too much in the equipment required to accept it. The folks at Square, which turns your smartphone into a card reader, hope to remove that roadblock early next year when they start enabling clients to accept Apple Pay.

CNN Money reports that Square founder Jack Dorsey announced the move as a way to help businesses accept all forms of payment, even the newest kid on the block.

“We’re not building a credit card,” Dorsey tells CNN. “We’re not building a payment device. We’re building a [cash] register, and this register accepts all these forms of payments.”

Before Square can begin accepting the payment option, it will have to rework its hardware. Square allows businesses to accept credit card payments on iPads and iPhones with the help of an attachable device, but isn’t comparable with Apple Pay just yet.

Square’s inclusion of Apple Pay comes after some retailers including Walmart and CVS have said they won’t accept the payment method. Instead they’ve chosen to stick with CurrentC, the retail industry’s own payment system.

Square will soon accept Apple Pay [CNN Money]

Boston Market: Official Caterer Of People Stuck At Work On Thanksgiving

Fri, 2014-11-21 20:17

boston_marketOne company has definitely benefited from the trend of retailers opening before dinner time on Thanksgiving Day: Boston Market, the restaurant chain that serves fast casual poultry and traditional side dishes year-round. The chain does plenty of rotisserie chicken and mashed potato business year-round and has always been a popular spot for quick dinners and catering on Thanksgiving, but its catering sales have increased for the last few years.

The company told CNN that on Thanksgiving 2013, it catered meals for about 362,000 people who are working at traditional mealtimes. These included people in traditional 365-days-per-year jobs like health care, hotel, and utility workers, and a growing number of big-box retailers including Walmart, Best Buy, and Target. A Boston Market executive credited the increase in business to “the new shopping trend” of opening earlier on Thanksgiving Day.

Boston Market says that it hires 2,000 seasonal workers for the peak poultry season of Thanksgiving through Christmas. This raises the inevitable question of what Boston Market feeds to its employees who are working through the holiday. We can make a few guesses, but they would probably prefer a pizza. The pizzeria, of course, could then order dinner for its employees from Boston Market in turn. I think that’s called “economic growth.”

Boston Market feeds over 300,000 Thanksgiving Day workers [CNN]