National News

French Prosecutors Put IMF's Lagarde Under Investigation

NPR News - Wed, 2014-08-27 04:01

Christine Lagarde said the allegations of "simple negligence" stem from her days as finance minister under former French President Nicolas Sarkozy.

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Science Crowns Mozzarella The King Of Pizza Cheese

NPR News - Wed, 2014-08-27 03:31

Why do some cheeses melt and caramelize better than others? Researchers used high-tech cameras and special software to figure it out.

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Both Afghan Candidates Pull Observers From U.N. Audit Of Votes

NPR News - Wed, 2014-08-27 02:48

The latest twist in the already contentious election process throws it further into crisis. It's looking likely that a new president won't be inaugurated by Sept. 2, as had been the plan.

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Affordable Care Act provision targets some exec pay

Marketplace - American Public Media - Wed, 2014-08-27 02:30

A little-known provision in the Affordable Care Act (ACA) could help rein in executive compensation at health insurance companies, according to The Institute for Policy Studies

Corporations can deduct the costs of doing business from their tax bills, including the compensation of a firm’s top four executives. The deductions are capped at $1 million for each of those executives.

The Affordable Care Act made the limits stricter for health insurance companies, which stood to gain business as more Americans became insured under the law.

“Members of Congress were concerned that executives could use increased profits from their new customer base to line their own pockets,” says Sarah Anderson, director of the Global Economy Project at the Institute for Policy Studies.  

Anderson says the ACA capped insurance companies' pay-related deductions at $500,000 per employee, per year. It also eliminated loopholes for performance-based pay.

She says the new rules generated $72 million in taxpayer savings from the top 10 publicly traded health insurers alone.

But critics charge the limits are arbitrary and focus unfairly on the health care industry.

“It's a bad[ly] thought out experiment that will not change compensation,” says Kevin Murphy, finance professor at the University of Southern California Marshall School of Business.

Murphy says insurers might just boost premiums to keep paying their employees' high salaries.

To prevent crime, predict it

Marketplace - American Public Media - Wed, 2014-08-27 02:00

The potential that data provides for government is, in many cases, still only just becoming apparent. For the police, data can help them respond to crime before it happens. The technology has promise, but also a dark side.   

“Predictive policing is the application of statistics and big data to the challenge of figuring out where or how to deploy police assets in advance of crime trends,” says Patrick Tucker, technology editor at Defense One.

He cites both New York and Memphis as examples of how the system has been used.

In Memphis, a researcher partnered with the police to pre-deploy resources to neighborhoods where they expected crime, and in their efforts discovered that being in public housing increased the chances of crime victimization, but not likelihood of committing crime, which to a change in strategy.

In New York, one component of predictive policing was the” stop and frisk” program, which, according to Tucker, was not a good use of the statistics because it did not substantially reduce the crime rate and was later found to be illegal. 

Why ambulance service is a tough business

Marketplace - American Public Media - Wed, 2014-08-27 02:00

Al Rapisarda buys lots of EpiPens for his company, Midwood Ambulance Service. They’re small medical devices – a bit bigger than a glue stick – and are used to help treat allergic reactions.

There’s just one problem.

“We never use them,” says Rapisarda, whose father started the company in the 1956. “So we threw out about $25,000 worth of pens about three years in a row.”

The EpiPen is a small, but striking example of why ambulances can be a tough business. The pens expire after about a year and Midwood Ambulance is required to carry them, even though they're a private company that does mostly non-emergency runs, like hospital transfers.

“It’s good medicine versus the money,” Rapisarda says, standing between a pair of brand new ambulances in his company’s Coney Island garage. Their sides are still a crisp white; they don’t even have his company decals yet. He estimates his cost to get each ambulance on the road is between $80,000 and $90,000, not including staff – his biggest expense.

Like most businesses, Rapisarda wants to keep costs down. On the other hand, he knows lives can be at stake.

“EMS is [a] cross between public service and healthcare,” says Scott Matin, northeast director of National Association of Emergency Medical Technicians, which represents EMS workers in public, private, and volunteer services. “Just like police and fire, you dial 911 and you get the service, regardless of whether you can pay for it or not pay for it.”

Unlike the police or fire departments, patients or their insurance companies are generally billed for the services they receive, regardless of whether the ambulance was provided by a local government, a hospital, or a private ambulance company. The setup can vary town by town.

Matin and Rapisarda say people are often surprised and confused when they receive bills.

“If you were here last week, the bills went out for the month, and everyone was on the phone,” Rapisarda explains.

Patients want to know why they have a $50 or a $200 co-pay, especially those who have new insurance plans.

That’s time his staff spends on the phone, chasing payments. Trying to get insurance companies to pay can also be difficult, but Rapisarda says his biggest billing headaches come from Medicaid.

“I do a Medicaid call below cost right now in New York State,” he says. “I’m subsidizing a Medicaid patient.”

Even after a slight increase in local reimbursement rates earlier this summer, Rapisarda estimates he loses money on each Medicaid run. 

The disappearance of lesbian bars may signal change

Marketplace - American Public Media - Wed, 2014-08-27 02:00

Lesbian bars have always been more than just a place to grab a beer. They’ve been community centers, dating services, political statements. But recently, these businesses seem to be disappearing.

On a recent Saturday night in Portland, Oregon, the Temporary Lesbian Bar was full. Musician Katy Davidson started organizing the evening last year, which draws anywhere from 60 to 150 people.

“The music’s not too loud, but it’s just loud enough to dance if people want to,” Davidson explains. “This is fun, it’s romantic.”

The event’s been going strong — probably because Portland’s only brick-and-mortar lesbian bar closed a few years back. And Portland’s not the only place.

Playwright and journalist Alexis Clements was trying to pull together a tour for a recent woman-centered theater piece, and noticed the list of possible lesbian venues was shrinking.

“West Hollywood does not have a lesbian bar anymore. Philadelphia doesn’t have one. Houston doesn’t have one, and I could go on and on,” Clements explains. She noted the decline of lesbian and feminist venues of all sorts. “That ranges from feminist bookstores, to bars, to arts organizations. All of these spaces are kind of going through a variety of different struggles that in some way are similar.”

In response to this decline, Clements re-adjusted her original theater tour, and will now be combining play readings with documenting some of the remaining lesbian spaces.

But Clements notes these struggles may actually reflect positive changes — people don’t need a lesbian bar as a refuge, because the culture at large is more accepting.

In Portland, some people at the Temporary Lesbian Bar, like Caryn Brooks, are pretty happy to move into the brave new world of pop-ups and Facebook groups. “I think it’s actually more vibrant now than it was when there was a lesbian bar,” Brooks notes. “It’s nimble, able to respond to geography and demographics. There’s no going back.”

But others, like Sara Renberg, feel like designated spaces are still relevant — and when they disappear, something is lost. “While I really love this event, it’s also so much harder if this one happens on the third Thursday, and this one happens on the second Tuesday. It’s really difficult to piece that all together in order to find love. And community.”

So if millennials aren't using cash, who is?

Marketplace - American Public Media - Wed, 2014-08-27 02:00

When you buy your morning latte, do you pay cash or charge it? A recent survey by creditcard.com found that if you’re a millennial, the chances are about 50-50. Moreover, mobile payment options are tilting those odds in credit’s favor.

But while millennials appear to be turning away from cash, their elders still prefer it, says Matt Schulz, an analyst at creditcard.com.

"For those who are 65-and-older, for example, about 82 percent of them prefer cash," he says. 

The survey also found a country-city divide when it comes to cash. While 80 percent of people living in rural areas prefer paying with greenbacks, only around 60 percent of city dwellers do. 

The survey didn't drill into why, but University of Washington professor David Stearns says we can get a few clues by looking at the "unbanked." 

"So you've got to remember not everybody has a bank account," Stearns says. 

And those people have to use cash. Stearns says about 8 percent of households in the U.S. fall into this category. He says cash also remains a part of our culture.

"When you’re travelling and you want to tip the person who carries your bag," Stearns says. Or when the plate comes around in a Christian church; it’s important to be able to put something tangible in that plate.

Stearns said folks have been predicting the end of cash since the 1960s, but he doesn't see it happening anytime soon.

Canadians Fret Merger With Burger King Will Change Tim Hortons

NPR News - Wed, 2014-08-27 01:02

Burger King announced it is buying the Canadian doughnut-and-coffee chain for about $11 billion. Some Canadians aren't thrilled that their Timmy's is being taken over by the American burger company.

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Why Patients Aren't Coming To Liberia's Redemption Hospital

NPR News - Wed, 2014-08-27 00:37

At this government-run facility in Monrovia, doctors and nurses try to provide care as best they can. But since the Ebola outbreak, many people are afraid to come.

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U.S. Officials Try To Gauge Threat From American Fighters In Syria

NPR News - Tue, 2014-08-26 23:39

Dozens of Americans have gone to Syria to fight against the government, some with groups the U.S. considers terrorists. U.S. officials have to sort out which could be dangerous when they return.

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Golf May Be Too Polite A Sport For Presidential Politics

NPR News - Tue, 2014-08-26 23:33

President Obama has been widely criticized for not being combative enough. Commentator Frank Deford says we elected a basketball player, but ended up with a golfer.

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The LA School iPad Scandal: What You Need To Know

NPR News - Tue, 2014-08-26 23:32

The Los Angeles Unified School District has shut down a half-a-billion-dollar deal with Apple and Pearson to provide classroom technology. Here's what happened.

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Driven By Climate Change, Cotton Buyers Look For Alternatives

NPR News - Tue, 2014-08-26 23:30

One clothing company whose bottom line was hurt in the wake of bad weather events decided to look to polyester fibers made from recycled plastic bottles.

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Hello, May I Help You Plan Your Final Months?

NPR News - Tue, 2014-08-26 23:28

The company Vital Decisions hires social workers to help people make end-of-life plans in advance, over the phone. But the counselors are paid by insurers. Critics see a conflict of interest.

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Build A Toothbrush, Change The World. Or Not

NPR News - Tue, 2014-08-26 23:27

You think bringing a new toothbrush to market is easy? The seven-year saga of two dental entrepreneurs struggling to bring their patented brush to consumers suggests otherwise.

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American Reportedly Fighting Alongside Extremists In Syria Dies

NPR News - Tue, 2014-08-26 16:31

The White House says it was aware that Douglas McAuthur McCain was in Syria, though it did not confirm he was fighting with the Islamic State. The terrorist group claims McCain died in battle.

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Emmy Awards 2014: Safe Choices In A Time Of Groundbreaking TV

NPR News - Tue, 2014-08-26 14:56

NPR TV critic Eric Deggans says Monday's Emmy Awards promised to recognize TV's emerging future — but ultimately rewarded comfortable favorites over disruptive upstarts.

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Colorado's Pot Brownies Now Come With Instructions

NPR News - Tue, 2014-08-26 14:02

Colorado is rolling out regulations for the edible-marijuana sector, including "emergency rules," which spell out serving sizes. But for now, most of the dosage education is falling to pot shops.

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Crowdfunding the path to college

Marketplace - American Public Media - Tue, 2014-08-26 13:50

When Salina Vang begins her studies at the University of Minnesota-Duluth next week, loans and scholarships will cover most of her expenses. To cover the rest, she launched a fundraising campaign on the website GoFundMe, which allows users to pull in donations from friends, family and strangers.

“I needed the extra money to go buy materials like school supplies, bed sheets, a laptop,” she says.

Initially, Vang figured she'd get small contributions from friends and relatives and raise a few hundred dollars. But then she boosted her goal to $3,000 in order to have more of a financial cushion. She's two-thirds of the way there.

Vang's parents, immigrants from Laos, don't make much money selling vegetables, and they have ten children to support. But, Vang says, they don't like the idea of their daughter asking for hand-outs. 

“My parents grew up in a culture where it's embarrassing to do that. But I think I have tried to tell my parents that in this generation you need to put yourself out there in order to get help,” she says.

More than 150,000 students have tried raising money on GoFundMe, up from a couple hundred students just four years ago. Other sites, like GreenNote and GiftofCollege, focus exclusively on raising money for educational expenses.  The sites charge a fee or take a cut of the donations. GoFundMe takes 5 percent.

Students are turning to these sites at a time when tuition and student loan debt levels are on the rise. Ruth Hedges, executive of the Global Crowdfunding Convention and Bootcamp,  says many students’ efforts fail.

“There's this misconception that if you build it they will come. And the truth of the matter is it's much more complicated than that,” says Hedges.

Hedges says you should launch a campaign with a few donors lined up in advance so that a quarter of the goal is met in the first week. That kind of success breeds success.

 

 

How to get the most from your crowdsourcing campaign 

 

  • Look successful. Get donors to commit funds before launching the campaign, so that you have 25 percent of your goal met in the first week. You want a rush of activity when the site goes live. 
  • Create a sense of urgency.  Limit your campaign to 30-45 days.
  • Get social.  Start hitting social media days before the launch, and keep it up throughout the campaign.
  • Sell yourself.  Make a compelling case for why strangers should donate to your campaign. Explain how you’ll use the money productively for college.
  • Smile for the camera.  Include a video with  your profile.

Source: Ruth Hedges,  Global Crowdfunding Convention and Bootcamp

 

She notes that kids entering college are actually well poised to raise money through social networks because they have a lot of them – think school orchestras or sports teams.

“They have more groups of crowds in their lives than they may have later on in life, when they get older and they're not involved in so many activities,” she says. “And that's the time to compel those groups to support you.”

There are some risks to raising money for college this way, though. Scott Weingold, managing director of College Planning Network, says successful campaigns could jeopardize financial aid. 

“It appears that some schools may treat that as outside funds and simply diminish the amount of aid that the family would've otherwise been eligible for,” he says.

In that case, the crowdfunding campaign might do more to help the college lower its costs than it would the student.

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