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  • No Bees, No Food | NJPIRG Student Chapters
    the EPA to put a moratorium on the use of neonic pesticides Take Action You can get involved by signing a petition to ask the EPA to put a moratorium on neonics If you re interested in becoming a part of the campaign stop by your campus office or website to learn more about volunteering campaign leadership and the NJ PIRG internship program E mail your campus organizer or chapter leadership to learn more Campaign Updates Report NJPIRG Education Fund Foods Apples To Twinkies 2012 At a time when America is facing an obesity epidemic crushing debt and a weak economy billions of taxpayer dollars are subsidizing junk food ingredients In this report we find that in 2011 over 1 28 billion in taxpayer subsidies went to junk food ingredients bringing the total to a staggering 18 2 billion since 1995 To put that figure in perspective 18 2 billion is enough to buy 2 9 billion Twinkies every year 21 for every single American taxpayer Keep Reading News Release NJPIRG Education Fund Foods AG SUBSIDIES PAY FOR 21 TWINKIES PER TAXPAYER BUT ONLY HALF OF AN APPLE APIECE PARAMUS Federal subsidies for commodity crops are subsidizing junk food additives like high fructose corn syrup enough to pay for 21 Twinkies per taxpayer every year according to NJPIRG s new report Apples to Twinkies 2012 Meanwhile limited subsidies for fresh fruits and vegetables would buy one half of an apple per taxpayer The report was released today at the Paramus Farmers Market at Petruska Park in Paramus NJPIRG was joined by Marla Klein the Partnership Coordinator for the Bergen County Community Health Improvement Partnership Keep Reading Media Hit Foods Subsidies Report Reveals Millions Spent On Junk Food Much Less On Organic Foods New Jersey Public Interest Research Groups will release

    Original URL path: http://njpirgstudents.org/campaigns/nj/no-bees-no-food (2016-04-29)
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  • Save ABX | NJPIRG Student Chapters
    chicken to McDonald s also made a commitment to raising animals without medically important antibiotics GET INVOLVED NOW We need to show restaturants that millenials care about this issue and that their customers want change Through photo petitions and tweets we will can save antibiotics and protect the public health To get involved go on Twitter Facebook or Instagram tag KFC and ask them to stop buying meat raised with the overuse of antibiotics Campaign Updates Media Hit Consumer Protection Rutgers students campaign for GMO labeling A group of Rutgers students with the New Jersey Public Interest Research Group NJPIRG Student Chapters called on Stop Shop to label its store brand products for ingredients derived from genetically modified organisms GMOs Friday at a rally outside of the Highland Park Stop Shop Keep Reading Blog Post Consumer Protection Student Debt Avoid the Debt Trap NJPIRG Students Concerned about money matters Want to know the difference between a bank and a credit union Worried about student loans Get a head start on managing your financial future and come to Avoid the Debt Trap How to avoid rip offs manage your debt and make financial decisions for your future Keep Reading Blog Post Consumer Protection Higher Ed Student Debt NJPIRG Fights To Inform Students about Private Loans NJPIRG reserach found that New Jersey had the ninth highest number of complaints to the Consumer Financial Protection Bureau in the country when it comes to student loans New Jersey students have an average debt load of 25 700 as supposed to the rest of the nation at 24 803 If you have a complaint about your loan check out the CFPB at http www consumerfinance gov Keep Reading Media Hit Consumer Protection Higher Ed Student Debt Report looks at complaints for loans Keep Reading Media

    Original URL path: http://njpirgstudents.org/campaigns/nj/save-abx (2016-04-29)
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  • News Releases | NJPIRG Student Chapters
    learning resources Read more about U S Department of Education Announces First Ever Open Education Adviser Position News Release U S PIRG Textbooks U S PIRG Joins 91 Organizations In Calling on White House to Open Access to Federally Funded Educational Resources Today U S PIRG along with a broad coalition of 91 education organizations institutions of higher education technology companies and foundations called on the White House to ensure federally funded educational materials are made freely available to the public as the administration develops an Open Government Partnership plan this fall Read more about U S PIRG Joins 91 Organizations In Calling on White House to Open Access to Federally Funded Educational Resources News Release Student PIRGs Higher Ed Textbooks REPORT Open Textbooks The Billion Dollar Solution A report released today by the Student PIRGs shows that an alternative textbook model called open textbooks could save undergraduate students more than a billion dollar a year Read more about REPORT Open Textbooks The Billion Dollar Solution News Release NJPIRG Students Textbooks NJPIRG Tackles Textbook Rip offs As students at Rutgers and across the country return to campus this fall textbooks remain one of the priciest items on their shopping lists However a new open textbooks pilot program planned for Spring 2015 may alleviate how hard these costs hit students pocketbooks Read more about NJPIRG Tackles Textbook Rip offs Pages 1 2 3 4 5 next last More About Us Our Leadership Our Mission Accomplishments How is NJPIRG funded Local Chapters Rutgers Camden Rutgers New Brunswick Rutgers Newark Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns Don t Get Ripped Off Don t Frack the Delaware Energy Service Corps Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Citizens

    Original URL path: http://njpirgstudents.org/news (2016-04-29)
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  • Reports | NJPIRG Student Chapters
    will continue to be a problem for students unless the cost of high priced new editions of college textbooks comes down Read more about Fixing the Broken Textbook Market Report Consumer Protection Trouble in Toyland The 2012 Trouble in Toyland report is the 27th annual U S Public Interest Research Group survey of toy safety In this report U S PIRG provides safety guidelines for consumers when purchasing toys for small children and provides examples of toys currently on store shelves that may pose potential safety hazards Read more about Trouble in Toyland Report NJPIRG Education Fund Democracy Million Dollar Megaphones Outside spending by organizations that aggregate unlimited contributions from wealthy individuals and institutions is playing a significant role in the 2012 election cycle and much of it is not disclosed Read more about Million Dollar Megaphones Pages 1 2 3 4 5 6 7 next last More About Us Our Leadership Our Mission Accomplishments How is NJPIRG funded Local Chapters Rutgers Camden Rutgers New Brunswick Rutgers Newark Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns Don t Get Ripped Off Don t Frack the Delaware Energy Service Corps

    Original URL path: http://njpirgstudents.org/reports (2016-04-29)
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  • Contact | NJPIRG Student Chapters
    Newark Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns Don t Get Ripped Off Don t Frack the Delaware Energy Service Corps Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Citizens United No Bees No Food Save ABX Newsroom Latest Updates Blog News Releases PIRG in the News Reports Internships Work on important issues learn valuable skills

    Original URL path: http://njpirgstudents.org/contact (2016-04-29)
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  • NJPIRG in Action | NJPIRG Student Chapters
    PIRG Chapter Full Time Jobs Campus Internships Volunteer on Campus Campaigns Don t Get Ripped Off Don t Frack the Delaware Energy Service Corps Hunger and Homelessness Make Textbooks Affordable New Voters Project Stop Citizens United No Bees No Food Save ABX Newsroom Latest Updates Blog News Releases PIRG in the News Reports Internships Work on important issues learn valuable skills get hands on experience and make a difference Get

    Original URL path: http://njpirgstudents.org/slideshows/nj/njpirg-action (2016-04-29)
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  • SO YOU NEED HEALTH INSURANCE. NOW WHAT? | NJPIRG Student Chapters
    like co pays and deductibles which you pay for at the time you receive medical care Many people will qualify for these lower costs FREE OR LOW COST COVERAGE You or your children if you have any may qualify for Medicaid or NJ Family Care two programs outlined earlier in this guide When you fill out your application at the Health Insurance Marketplace you ll find out if you and your family qualify What are the Costs Once you ve narrowed down your options to several plans take a look at the specific costs of each plan It s important to consider not only the monthly premium but the potential out of pocket costs as well That way you can get a sense of the total cost you might face over the course of a year The specific out of pocket costs to look at are co pays deductibles and co insurance You ll also want to make special note of the out of pocket maximum For definitions of these terms see the section on Health Insurance Basics Here s a simple formula to see what you could have to pay in a year in a worst case scenario if you have a major illness or accident Monthly Premium x 12 months Out of Pocket Maximum Worst case scenario yearly cost Compare Plans Side by Side At the Health Insurance Marketplace you can compare plans based on a number of factors You can look at premiums and out of pocket costs and see which health care providers and hospitals are available in each plan In some states you can already compare quality ratings of the different plans and in others the quality rating will be added in future years BRONZE SILVER GOLD AND PLATINUM In the past it was practically impossible to compare insurance plans apples to apples with seemingly infinite combinations of premiums co pays deductibles annual coverage limits co insurance levels and out of pocket maximum amounts In the marketplace you can take advantage of the fact that the insurance plans have been neatly sorted into categories so you can compare them more easily The categories are Bronze Silver Gold and Platinum The categories are not based on the quality of care or the amount of care you can receive They are based on how much of your medical costs you pay and how much the insurance company pays As a general rule the higher the monthly premium the lower your out of pocket costs will be if you need care Platinum plans will generally have the highest premiums but if you need care you ll pay less in out of pocket costs Bronze plans will generally have lower premiums but you ll pay more in out of pocket costs if you need care If you think you ll need a lot of care in the year ahead it might make sense to pay a somewhat higher monthly premium and get a Gold or Platinum plan and know that you ll face lower out of pocket costs when you receive care On the other hand if you don t think you ll need much care you may want to pay a lower monthly premium and get a Bronze or Silver plan and risk the chance that you might get hit with higher out of pocket costs if you have an unexpected illness or accident CATASTROPHIC PLANS In addition to the Bronze Silver Gold and Platinum plans if you re under 30 or if you otherwise qualify by having a limited income that makes other coverage unaffordable you may buy a catastrophic plan These plans have lower premiums and they cover preventive care and three primary care visits per year with no co pay But if you need more care you ll face significant out of pocket costs That s because a catastrophic plan requires you to pay 100 of the cost of your medical care until you ve paid a certain amount often several thousand dollars These plans protect you from worst case scenarios where you d otherwise be on the hook for medical care costing tens or hundreds of thousands of dollars hence the name catastrophic It s also important to note that if you choose a catastrophic plan you won t be able to qualify for financial help through the marketplace What Health Care Providers Can You See When you are comparing plans take advantage of the fact that each plan will include a list of health care providers This is the plan s provider network If you visit a provider that isn t part of this network you ll pay higher costs so if you already have a doctor check to see if they are included in the plan you are considering Different types of insurance plans have different rules about whether you can get care outside of their provider network and still get the cost covered and at what cost HEALTH MAINTENANCE ORGANIZATION HMO An HMO typically only covers care if you visit a provider in their provider network You may be on the hook for the full cost of care if you use a health provider outside of the network In addition if you want to see a specialist in the network you may need to get a referral from your primary care provider PREFERRED PROVIDER ORGANIZATION PPO A PPO covers care from providers both inside and outside the network However if you us a provider outside the network you ll pay higher out of pocket costs for that care You can see a specialist inside or outside the network without a referral How Does the Quality Stack Up Unfortunately when it comes to health care cost rarely tells you anything about quality Few things are more important than your health but for a long time there has been too little information about health care safety and quality available for consumers Now that s changing In many states the new marketplace includes tools

    Original URL path: http://njpirgstudents.org/resources/nj/so-you-need-health-insurance-now-what (2016-04-29)
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  • Activist Toolkit | NJPIRG Student Chapters
    million to help the hungry and homeless and played a key role in mobilizing support for reforms to clean our air and water and protect our environment In addition the PIRGs have provided students with an educational experience in democratic citizenship By bringing important issues to the campus debate giving students the opportunity to voice their opinions on those issues and giving students the skills to make sure their opinions and those of their fellow classmates are heard the PIRGs encourage life long civic engagement Along with the idealism energy and creativity of the students and staff who make up the PIRGs much of the PIRGs success can be attributed to the systematic approach to organizing detailed in this Activist Toolkit This Activist Toolkit provides any intern or volunteer with the basic tools necessary to run strong campaigns and service projects and win reforms both on and off campus for students and the public interest Resource file download Download the report Related Issues Make Textbooks Affordable About Us Our Leadership Our Mission Accomplishments How is NJPIRG funded Local Chapters Rutgers Camden Rutgers New Brunswick Rutgers Newark Get Involved Action Center Campaign Resources Start a PIRG Chapter Full Time Jobs Campus

    Original URL path: http://njpirgstudents.org/resources/activist-toolkit (2016-04-29)
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