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Declaring War on Hidden Consumer Fees

November launched with yet more last-minute grabs for political attention, with President Biden trying to shore up average voter support. And one of the most traditional targets for that support tends to be the consumer pocketbook. In that regard, the President’s announcement to go after hidden consumer fees for entertainment, travel and cable access as well as banking was intended to garner quick support for the Administration, especially given that the midterm elections seem to be going down to the wire in a number of states for 2022.

Dubbed “junk fees” by the President, the consumer account charges are expected to range from bounced check charges to late fees to confusing and ambiguous cable service fees. For the various affected industries, the announcement goes direct to their bottom line as fees represent a viable revenue channel that costs nothing in terms of additional service or goods. For the President, however, the direction is also a high gain if he can translate it into voter action next week with the mid-November elections nationwide.

Using the already existing network of government regulators over various industries, the Biden Administration is expecting to use executive power to protect the consumer benefit and fight greedy businesses. At least that’s how this week’s President’s message comes across. The move is an attempt to shift the enforcement of the Consumer Financial Protection Act, particularly on banks and the billions they raise annually on non-sufficient fund charges and penalties. For example, the banking industry pocketed a no-cost $15.5 billion in 2019.

On the regulatory side, the Consumer Financial Protection Bureau is generally charged with the role of enforcement. The President’s announcement is generally being seen as a mandate for action by the Bureau, but they won’t be acting alone. The Federal Trade Commission is also getting in on the act with its own additional rules to prevent further deceptive fee practices in various industries.

Aside from banks, various entertainment miscellaneous charges are on the radar as well. Concert ticket sellers, resort fees from hotels and similar are also getting close attention. A common one for recent travelers is the resort fee, which is essentially an ambiguous charge of $25 to $100 a day, added on top of the advertised room rate for nothing but simply being a tourist visiting during the tourist season. Ironically, liberal San Francisco, for example, is notorious for such charges just for delivering a newspaper to a hotel customer.

President Biden emphasized in his early November speech a dedicated strategy to wipe out such fees after examination, or at least to reduce them significantly. How exactly that will occur remains to be seen, but the reach is across industries and is not limited to banks alone. Of course, the messaging is part of a larger theme to show action in the face of the highest inflation rate in four decades. Vowing to protect the family budget, the Biden Administration likely hopes the November announcement will resonate, supporting Democratic candidates in tight races. Critics are quick to argue the move is too little, too late, punishing businesses that create jobs. Who is right will become clearer after the midterm elections are counted in a few days.

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Six-Year-Old Willow Hamrick Celebrated at the Walk to Cure Arthritis This Weekend

Kelly Taylor

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Willow Hamrick, a spirited six-year-old, is being honored this weekend at the annual Walk to Cure Arthritis for her brave fight against the condition. Diagnosed at just three years old, Willow has faced the challenges of arthritis with remarkable courage. Currently a first grader at Nolensville Elementary, she frequently misses school for medical appointments and undergoes weekly injections to manage her symptoms.

Her mother, Kelsey, reflects on the journey, describing it as a rollercoaster of emotions. However, she proudly notes that Willow has become adept at handling her treatment regimen, calling her a “rock star” when it comes to taking her shots.

Willow will serve as the youth honoree at the event, which is set to take place at Centennial Park on Sunday at 1 pm. The Walk to Cure Arthritis is a key fundraiser for the Arthritis Foundation, supporting vital research aimed at finding a cure for the disease that affects one in four adults and over 300,000 children in the U.S.

While participation in the walk is free, attendees are encouraged to donate in honor of Willow or others affected by arthritis. Willow herself has contributed significantly, raising over $3,000 for the foundation.

Despite her condition, Willow remains active and enthusiastic, enjoying gymnastics, art, and quality time with friends and family. She is determined not to let arthritis hold her back, embodying resilience and hope for many others facing similar battles.

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Advanced Technology Empowers Quadruple Amputee Jessica Haldin to Pursue Driving

Kevin Wells

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Jessica Haldin, who lost her limbs to meningococcal disease at age two, once believed driving was out of her reach. Growing up in Rockingham, a suburb of Perth, she watched her friends earn their driver’s licenses, symbolizing freedom she longed for but felt was unattainable. However, now at 33, Jessica is learning to drive using a specially modified vehicle equipped to accommodate her needs as a quadruple amputee.

Five years ago, Jessica’s coordinator encouraged her to pursue driving, assuring her that she could obtain a license and secure necessary funding. Today, her vehicle is fitted with a joystick for steering, braking, and accelerating, along with a voice-activated system for controlling indicators, the horn, and other features. Despite the initial anxiety, Jessica’s first driving lesson was a profound step toward independence.

The journey to this point wasn’t simple; securing approval and funding from the National Disability Insurance Scheme (NDIS) was a lengthy process. Yet, the possibility of gaining mobility and freedom has greatly excited Jessica. She expressed a desire to escape the confines of her home life, where she largely depends on her mother, and explore places like Margaret River and Albany on her own.

Tamlyn Macdonald, Jessica’s support worker, expressed pride in her progress, noting that helping clients achieve independence is the ultimate goal of the NDIS. She looks forward to transitioning from caregiver to friend as Jessica gains more autonomy.

Mikayla Kongram, an occupational therapist and driving instructor, highlights that Jessica’s story is becoming increasingly common as technology advances. She sees daily how vehicle modifications enable those with disabilities to drive, expanding their world dramatically compared to the pre-NDIS era. Despite some individuals still facing challenges due to physical limitations, technological innovations continue to broaden possibilities, allowing more people with disabilities to experience the independence of driving.

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Biggest Sea Turtle Release Ever on Georgia’s Jekyll Island

Kelly Taylor

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In two days, Georgia will witness its largest sea turtle release ever on Jekyll Island. The Georgia Sea Turtle Center announced that over 30 turtles will be returned to the sea. These turtles come from various places like Turtles Fly Too, NOAA, Mystic Aquarium, New York Rescue Center, and New England Aquarium.

Many of these sea turtles needed help because they were cold-stunned, but now they are better and ready to go back to the ocean.

Sea turtles are fascinating creatures. They live in oceans around the world and are known for their long migrations. Some species travel thousands of miles to lay their eggs on the same beaches where they were born. They are also ancient animals, having been around for over 100 million years, which means they shared the planet with dinosaurs.

Sea turtles like to eat a variety of foods. Depending on the species, their diet can include jellyfish, seaweed, crabs, shrimp, and even small fish. They have a unique way of navigating the ocean, using the Earth’s magnetic field to find their way.

Unfortunately, sea turtles face many challenges. They are threatened by habitat loss, pollution, climate change, and accidental capture in fishing gear. That’s why the work of rescue centers and rehabilitation programs is so important to help these vulnerable sea creatures survive and thrive in their natural habitat.

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Drones Are A Powerful Ally For Animal Right Campaigners

Kevin Wells

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Drones have become powerful allies for animal rights campaigners, offering a bird’s-eye view that’s hard to beat. These flying gadgets are not only affordable but also simple to operate, making them perfect for keeping an eye on illegal activities like fishing, hunting, and deforestation. They’re also great for monitoring conditions in zoos and aquariums.

A striking example comes from UrgentSeas, an organization that sprang into action after hearing about a lonely manatee at the Miami Seaquarium. Using drones, they captured footage of the manatee, named Romeo, in a neglected pool. The video went viral, leading to public outrage and eventually the relocation of Romeo and his mate Juliet to a sanctuary.

Since their introduction in the early 2010s, drones have been revolutionary for groups like PETA, who’ve used them to uncover illegal hunting activities. In marine conservation, drones offer an unparalleled view of the living conditions of sea creatures, highlighting the cramped spaces in some facilities.

Sea Shepherd, a marine conservation group, utilizes drones to document illegal fishing activities in international waters. The advancements in drone technology have made these devices quieter and more discreet, crucial for documenting illegal actions without alerting the perpetrators. Simon Ager of Sea Shepherd emphasizes the effectiveness of drones in these operations, noting their ability to capture evidence of illegal activities from a safe distance, thus reducing the risk to conservationists.

In essence, drones are more than just tools; they represent a shift in how activists and conservationists can safely and effectively gather evidence, raise awareness, and prompt action to protect animals and their habitats. They enable discreet observations and can reach places that are otherwise inaccessible or risky for humans, proving to be an indispensable asset in the fight for animal rights and environmental protection.

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New Bazaar Blends American & Indian Cultures

Shannon Jackson

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In Buffalo’s East side, something exciting is happening at the Buffalo Trade Center! It’s becoming a bustling market, blending Indian and American cultures, thanks to Samad, a visionary with Indian roots but raised in the U.S. This new market isn’t just any ordinary place; it’s a vibrant bazaar with 30 vendor stalls, offering a sneak peek into a future filled with shops, a halal supermarket, offices, a playground for kids, a restaurant, a food hall, and a community center.

Samad, together with his uncles Khaled Ali, Iqbal Ali, Moynul Samad, and Faisal Ahmed, owns this center. They’re embarking on an ambitious project, starting with the vendor stalls and a retail liquidation center, all set to open this summer. But the excitement has already begun with a pop-up vendor festival, especially timed for Ramadan, attracting thousands of people and giving a taste of what’s to come.

This market is more than just a place to shop; it’s a springboard for aspiring business owners. Samad’s idea is to create a space where anyone with a dream can start their business journey with minimal initial costs and supportive surroundings. Last year, this place drew in 5,000 visitors, and it’s clear it has a special vibe that people love.

Samad’s vision extends beyond business. He aims to build a community that reflects the diversity and inclusivity of Buffalo itself. He’s looking for vendors who are not only entrepreneurial but also kind and welcoming to everyone, reinforcing that the Buffalo Trade Center is a place for all, not just for the Bangladeshi community.

Through Samad’s efforts, the Buffalo Trade Center is set to be a hub where different cultures meet and mingle, proving that despite our diverse backgrounds, we share more similarities than differences. This market is shaping up to be a place where community, culture, and commerce come together beautifully.

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