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  • Label GMO Foods Updates | NJPIRG
    companies recent actions related to GMOs Read more about A Year of Progress News Release NJPIRG Law Policy Center Public Health Consumer Protection Food NJ Consumers Call on Stop Shop to Label GMOs On Anniversary of Whole Foods Labeling Commitment Consumers and advocates launched a campaign calling on Stop Shop to label its store brand products for ingredients derived from genetically modified organisms GMOs on the one year anniversary of Whole Foods announcement that it will adopt labeling for all products in its stores Read more about NJ Consumers Call on Stop Shop to Label GMOs On Anniversary of Whole Foods Labeling Commitment Search form Search About Issues Stop the Overuse Of Antibiotics Stop the Highway Boondoggles Democracy For The People Label GMO Foods Making Health Care Work Protecting Consumers Toxic Free Communities Reining in Wall Street Act Now Jobs Donate Newsroom Resources Reports Get our RSS feed Our Affiliates Our Sister c 3 Are you a student Energy Service Corps Our Federation Take Action Donate JOIN US Priority Action We re teaming up with big restaurant chains to stop the overuse of antibiotics on factory farms Call on KFC to stop selling meat raised on routine antibiotics ADD YOUR

    Original URL path: http://njpirg.org/node/30401/content (2016-04-29)
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  • Beat High Bank Fees | NJPIRG
    t use it Use a credit card at the store or on the Internet credit cards are also a safer transaction for you Or use the debit card at the bank s ATM then use the cash at the store AVOID COSTLY DEBIT OVERDRAFTS Rules passed in 2010 prohibit banks from charging you fees for over drawing your account with your ATM debit card at a merchant or an ATM unless you say yes opt in to so called overdraft protection Don t opt in If you already did opt back out Your card will be declined at point of sale with no overdraft fee Carry an emergency 10 in your wallet if this concerns you it beats paying 35 for a 4 latte Ask about lower cost transfers to cover negative balances Note Even if you ve said no to overdraft protection checks and automated bill payments can still bounce GET DIRECT DEPOSIT TO GET FREE CHECKING Many banks still offer free checking especially if you have a regular automatic payroll or other direct deposit Note An advertised Free Checking Account only means no fees can be imposed for monthly maintenance on the account whether based on your monthly balance or not Fees can still be imposed for many services including debit cards non bank ATM use for receiving statements and or check images in the mail and for overdrafts among other allowable fees on a free account MAKE NOISE Sometimes you can get a better deal at a bank just by asking for it BANK ELECTRONICALLY Some banks offer free accounts or charge less if you have your statements sent to you electronically if you don t have your check images returned to you at all or agree not to use human teller services If you are comfortable banking online you can save Read disclosures carefully check your online statements regularly and archive copies of your online statements even if the bank says it does CHECK OUT INTERNET BANKS Banks without branches may have lower fees if you are comfortable banking on the Internet and not ever dealing face to face with a person Note Check FDIC gov to confirm you found an insured bank LOOK FOR OTHER FREE CHECKING OPTIONS Get free checking with several account relationships or at some banks even if you simply make 5 or more monthly transfers including debits in or out of the account Move money from low interest savings Ask whether you can count all your balances toward your checking minimum If not savings account and interest bearing checking interest rates are so low that putting more money in a regular no interest checking account to avoid fees may save more in fees than you earned in interest Many banks and credit unions offer free or lower cost checking for seniors or students USE FREE TEXT MESSAGE WARNINGS Ask your bank or credit union if it offers free phone text messages or emails when your balance drops to a certain trigger

    Original URL path: http://njpirg.org/resources/xxp/beat-high-bank-fees (2016-04-29)
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  • Protect Yourself Against New Account ID Theft | NJPIRG
    your credit report with each bureau All states give you the right to free security freezes if you can prove that you are an identity theft victim Some states offer them for free to consumer 65 years There are six states where freezes are free to all consumers whether they are identity theft victims or not Colorado Indiana New Jersey New York North Carolina and South Carolina Security freezes can also be placed by parents and legal guardians of minors and medically incapacitated consumers Consumers who chose a security freeze should account for the time it can take to thaw their reports if they want to apply for credit in the future In most cases if a request for a thaw is made online or over the phone a report can be unfrozen within 15 minutes However it can take longer if a consumer lost his or her PIN number that was assigned when the report was frozen It can also take up to three days of receipt of a thaw request if it is made via postal mail How to Freeze and Unfreeze Your Credit Report It is recommended you freeze your credit report with at least the three main credit bureaus Experian Equifax and TransUnion Placing a freeze with one bureau does not automatically freeze your account with the other bureaus You have to place a freeze with each bureau where you want one Some creditors use one some use another so your best coverage is to freeze all three You will receive a PIN number for your credit freeze with each bureau You will use this PIN number when you want to unfreeze your credit report any time you want to apply for new credit If you want to temporarily lift a freeze because you are applying for credit or a job try to find out which credit bureau the business uses to check credit reports You can save some money and time by only lifting your freeze for that credit bureau You can temporarily lift a freeze for a particular creditor or for a specific period of time from one day to one year Make sure to account for the time it can take to thaw your report In most cases if you request a thaw online or over the phone your report can be unfrozen within 15 minutes However it can take longer if you don t have your PIN number that was assigned to you when you froze your report so make sure to keep your PIN number in a safe memorable place where you can quickly retrieve it when needed It can also take up to three days of receipt of your request if you make it via postal mail Placing and Lifting a Security Freeze with Each of the Credit Bureaus You can place a freeze online over the phone or in writing Equifax Online https www freeze equifax com Phone 1 800 685 1111 NY residents please call 1 800 349

    Original URL path: http://njpirg.org/resources/usp/protect-yourself-against-new-account-id-theft (2016-04-29)
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  • Making Health Care Work | NJPIRG
    New Jerseyans is just the tip of the iceberg of an industry wide problem according to a new report released today by NJPIRG Keep Reading Report NJPIRG Public Health Consumer Protection Health Care Prescription For Danger The fungal meningitis outbreak caused by contaminated steroid injections that killed 55 people to date and sickened more than 740 is one of the worst public health disasters the nation has seen in recent history The tainted injections came from a drug manufacturer doing business as a compounding pharmacy a classification which allowed them to evade the system of safety rules inspections and oversight that keep our drug supply safe Keep Reading Blog Post Consumer Protection Health Care The Supreme Court and the High Cost of Prescription Drugs Everyone knows prescription drugs cost more than they should But many people are surprised to learn about one of the key ways drug companies keep prices high Paying off competitors to keep generics off the market On Monday the Supreme Court heard arguments in a case about this very practice Keep Reading News Release NJPIRG Health Care Gov Christie s Veto Means More Delays for Health Reform Gov Christie vetoed legislation today that would have created a health insurance exchange in New Jersey Keep Reading Pages first previous 1 2 3 4 5 next last News Release NJPIRG Health Care Consumers Win With Supreme Court Ruling Today s decision is good news for consumers in New Jersey Keep Reading News Release NJPIRG Health Care Governor s Veto Doesn t Undo Need for Health Reform Today Gov Christie brought health reform screeching to a halt in New Jersey The Governor s veto doesn t undo the need for health reform in New Jersey The Supreme Court decision won t change the fact that 1 3 million people are uninsured and thousands more are struggling to keep their families covered Keep Reading Media Hit Health Care Assembly Committee Clears Health Insurance Exchange Bill The first in a long series of steps toward healthcare reform was taken yesterday when a bill that will introduce sweeping changes to the way insurance is sold in New Jersey was voted out of an Assembly committee Keep Reading News Release NJPIRG Health Care Nationwide Study of New Health Exchanges Shows New Jersey How to Lower Costs For Consumers Many states are creating health exchanges to deliver better value for consumers and New Jersey should follow their lead according to Making the Grade a new report by NJPIRG Health exchanges are competitive marketplaces that can empower individuals and small businesses with better more affordable options for coverage Under the federal health reform law each state will have an exchange up and running in 2014 Keep Reading News Release NJPIRG Law and Policy Center Budget Food Health Care Ag Subsidies Pay for 19 Twinkies per Taxpayer But Only a Quarter of an Apple Federal subsidies for commodity crops are also subsidizing junk food additives like high fructose corn syrup enough to pay for 19 Twinkies

    Original URL path: http://njpirg.org/issues/njp/making-health-care-work?page=1 (2016-04-29)
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  • Making Health Care Work | NJPIRG
    Post Health Care What s Next on Health Care Costs Now that the election is over talk has turned to the need for cooperation in addressing a long list of serious issues facing the country It s a tall order and on the polarizing issue of health care working together may seem at first like an impossible task But I am hopeful that we can make significant progress together Of course there will be robust debate about the best ways to put solutions into practice and about the pace at which these solutions are to be implemented But given Americans fundamental agreement on the nature of the problem and on how to solve it we ought to be able to put the most bitter of arguments behind us and chart this course together now Keep Reading News Release NJPIRG Health Care Consumers Win With Supreme Court Ruling Today s decision is good news for consumers in New Jersey Keep Reading News Release NJPIRG Health Care Governor s Veto Doesn t Undo Need for Health Reform Today Gov Christie brought health reform screeching to a halt in New Jersey The Governor s veto doesn t undo the need for health reform in New Jersey The Supreme Court decision won t change the fact that 1 3 million people are uninsured and thousands more are struggling to keep their families covered Keep Reading Media Hit Health Care Assembly Committee Clears Health Insurance Exchange Bill The first in a long series of steps toward healthcare reform was taken yesterday when a bill that will introduce sweeping changes to the way insurance is sold in New Jersey was voted out of an Assembly committee Keep Reading News Release NJPIRG Health Care Nationwide Study of New Health Exchanges Shows New Jersey How to Lower Costs For Consumers Many states are creating health exchanges to deliver better value for consumers and New Jersey should follow their lead according to Making the Grade a new report by NJPIRG Health exchanges are competitive marketplaces that can empower individuals and small businesses with better more affordable options for coverage Under the federal health reform law each state will have an exchange up and running in 2014 Keep Reading Pages first previous 1 2 3 4 5 next last Media Hit Health Care Times of Trenton Health care act anniversary brings gift to small business Over the coming months New Jersey small business owners and consumers should be excited about the implementation of health care reform including two cost saving provisions small business tax credits and the statewide health insurance exchange Keep Reading Media Hit Health Care The Princeton Packet Health Care Repeal Would Be Costly For New Jersey In last week s State of the Union President Barack Obama made it clear that he intends to continue with his health reform agenda His opposition will no doubt continue to push for repeal But are repeal proponents standing up for consumers or are they standing up for the health insurance

    Original URL path: http://njpirg.org/issues/njp/making-health-care-work?page=2 (2016-04-29)
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  • Making Health Care Work | NJPIRG
    4 Be accountable to the public Click here for more on Building a Better Health Care Marketplace Issue updates Report NJPIRG Law and Policy Center Health Care Making the Grade When it comes to health care there are few magic bullet solutions for the many problems consumers face in the marketplace insurers don t compete for their business leading to higher prices and lower quality Important information about coverage is buried in the fine print making it hard to know what s really covered or which plan is right And costs are continuing their unsustainable rise Keep Reading News Release NJPIRG Law and Policy Center Budget Food Health Care Ag Subsidies Pay for 19 Twinkies per Taxpayer But Only a Quarter of an Apple Federal subsidies for commodity crops are also subsidizing junk food additives like high fructose corn syrup enough to pay for 19 Twinkies per taxpayer every year according to Apples to Twinkies a new report by NJPIRG released today at Lincoln Park Community Farm Meanwhile limited subsidies for fresh fruits and vegetables would buy less than a quarter of an apple per taxpayer Keep Reading Report NJPIRG Law and Policy Center Budget Food Health Care Apples to Twinkies The rise in childhood obesity has many causes but one of the most important is the increased prevalence of high fat heavily sweetened junk food And shockingly American taxpayers are spending billions to subsidize junk food ingredients making the problem worse Keep Reading Media Hit Health Care Times of Trenton Health care act anniversary brings gift to small business Over the coming months New Jersey small business owners and consumers should be excited about the implementation of health care reform including two cost saving provisions small business tax credits and the statewide health insurance exchange Keep Reading Media Hit

    Original URL path: http://njpirg.org/issues/njp/making-health-care-work?page=3 (2016-04-29)
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  • Making Health Care Work | NJPIRG
    standards so that bad plans aren t an option 3 Be open to as many New Jerseyans as possible Limits that shut some individuals and businesses out of the exchange would reduce its ability to lower costs and will be a key tactic that industry lobbyists use to weaken it 4 Be accountable to the public Click here for more on Building a Better Health Care Marketplace Issue updates Report NJPIRG Law and Policy Center Health Care The Cost of Repeal On March 23 2010 after a long congressional debate President Barack Obama signed into law comprehensive federal health care reform legislation known as the Affordable Care Act or ACA But the enactment of the law did not end the debate Even the law s strongest proponents acknowledge the need for improvements And across the country state legislators and Governors have been urged to slow or stop work on implementation of key provisions The courts are considering legal challenges to the law Keep Reading News Release NJPIRG Law and Policy Center Health Care Health Care Repeal Would Have Costly Consequences for New Jersey Consumers and Small Businesses Consumers and small businesses in New Jersey will face significantly higher insurance premiums and could see costly coverage denials and price discrimination if efforts to repeal the federal health care law prevail in Congress or in the courts according to The Cost of Repeal Examining the Impact on New Jersey of Repealing the New Federal Health Care Law a new report released today by NJPIRG Keep Reading Result Health Care Young People Now Covered This year the federal health care reforms that NJPIRG worked to win have started to pay off for young people In the past teens saw their premiums soar or were denied coverage when they turned 19 even if they

    Original URL path: http://njpirg.org/issues/njp/making-health-care-work?page=4 (2016-04-29)
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  • What’s Next on Health Care Costs? | NJPIRG
    plans consumer groups and businesses on several key points First that America must get serious about reining in health care costs not by cutting care and raising deductibles but by reducing waste and focusing on preventive care Second that as Congress debates budget and deficit issues in the upcoming lame duck session attempts to reduce federal health spending must not simply shift costs onto state budgets businesses and consumers Instead we must build a sustainable health system for the long term Third that we know how best to lower costs through common sense solutions like cutting administrative waste eliminating costly and preventable hospital errors and boosting competition by adopting smart innovations that help patients with chronic diseases like diabetes and heart disease stay their healthiest and out of the hospital and by bolstering prevention and primary care so fewer people get chronic diseases in the first place From my perspective as a consumer advocate I see enormous possibilities to advance many of these strategies immediately The New Jersey health insurance exchange currently awaiting Governor Christie s approval with similar marketplaces about to open in states across the country can set high standards for quality and patient safety as well as boost competition The new Accountable Care Organizations can make sure care is better coordinated between providers And we can strengthen health insurance rate review to guarantee that insurers are cutting waste and paying providers in a way that encourages prevention and high quality care Of course there will be robust debate about the best ways to put solutions into practice and about the pace at which these solutions are to be implemented But given Americans fundamental agreement on the nature of the problem and on how to solve it we ought to be able to put the most bitter of

    Original URL path: http://njpirg.org/blogs/blog/njp/what%E2%80%99s-next-health-care-costs (2016-04-29)
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