Category: CONSUMER NEWS

Moms and Daughters Weekend of Connection at Appel Farm

Elmer, New Jersey – Appel Farm Arts and Music Campus will create a weekend packed with intentional opportunities for connection at this year’s Mother Daughter Art Retreat March 13-15, 2020.

Mother Daughter Art Retreat is an opportunity to laugh, listen, and create while participating in movement, writing, and visual arts workshops that explore the concept of dreams. Mother Daughter Art Retreat creates a supportive and safe environment that fosters community and personal growth for participants as they enjoy time for intentional and meaningful connection and communication.

Moms get to hear about their daughter’s hopes and dreams for the future. Daughters will discover that mom is not only “mom” but a woman just like them, with her own dreams and aspirations.

“This retreat is not only for mothers and daughters. We’ve had grandmothers and grandchildren, aunts and nieces, and everything in between. This retreat is a special place to connect and create,” said Arts Integration and STEAM Education Director, Kristina Hill.

Attendees will spend the weekend sleeping in a cozy, dorm-style bunk and enjoy delicious meals in a spacious dining hall overlooking the Appel Farm organic garden. Moms and daughters will make new friends while getting to know other women in workshops, campfires and even an afternoon wine tasting for moms!

The retreat costs $260 for a pair of participants. This includes 2 nights of overnight accommodations, 5 meals, all workshops and materials, s’mores, snacks, and the afternoon wine tasting for moms. Additional family members are $120 per person.

Mother Daughter Workshops:

Imagine learning some American Sign Language, taught by a mother-daughter duo? Sip some wine during a wine and painting pairing. Try your hand at a sketch journaling class. And that’s just a few of the workshops for this year’s Mother Daughter Art Retreat, with more to come! The ASL Workshop is going to be so special, taught by Hands Up Silent Theatre‘s Kristy Whilden and her daughter! Appel Farm teaching Artist Zoungy will offer a sketch journaling class early on Saturday to encourage attendees to sketch throughout the weekend, and he’s also teaching a painting lesson!

To learn more and register for Mother Daughter Art Retreat, visit

appelfarm.org/mother-daughter-art-retreat

. Contact Kristina Hill with any questions at

khill@appelfarm.org

or 856-358-2472.

WALLET HUB: Some New Jersey Cities Rank at the Bottom of Credit Score Analysis

By Bethany Blankley |

The Center Square

To coincide with the approaching tax season and to help taxpayers evaluate their spending and debt habits, the personal-finance website WalletHub published a ranking of residents’ credit scores in more than 2,500 cities nationwide.

WalletHub compared the median credit scores of residents in 2,572 U.S. cities “to give credit where credit is literally and figuratively due,” Adam McCann, financial writer at Wallethub says.

Its 2020\’s

Cities with the Highest & Lowest Credit Scores

ranked all cities according to TransUnion data as of September 2019.

Four New Jersey cities ranked in the bottom: Newark, with a median credit score of 587, followed by New Brunswick’s 577, East Orange’s 577, and Camden City\’s 552.

With 99 being the best percentile ranking, Camden’s ranked in the 1 percentile and tied for last place with East St. Louis, Ill., and Chester, Penn.

Ranking 10th-worst was East Orange, followed by 11th-worst New Brunswick, and 18th-worst Newark, all falling in the 1 percentile.

Trenton fared slightly better, with its residents holding a median credit score of 601, but also fell in the 1 percentile.

By comparison eight New Jersey cities ranked in the 91st to 97th percentile with scores of 752 and above. The highest New Jersey ranking was Westfield, where residents landed in the 98th percentile with a median credit score of 768. Ridgewood followed in the 97th percentile with a score of 764; Princeton in the 96th percentile with a score of 761; Paramus in the 95th percentile with a score of 760; Fair Lawn in the 92nd percentile with a score of 754; Summit in the 91st percentile with a score of 752; and Hoboken and Flemington in the 91st percentile, each with scores of 752.

Wallethub only included the city proper in its analysis, excluding the suburbs in each city’s surrounding metro area. Each city was categorized by population size with large cities having more than 300,000 people, mid-sized between 100,000 and 300,000 people, and small cities with less than 100,000 people.

republished here by Gloucestercitynews.net with permission of

The Center Square

3 Tips for Preventing Common Tree Accidents in Gloucester City

Gloucestercitynews.net (February 17, 2020)–Homeowners in Gloucester City pay an average of $563 for tree planting services,

according to manta.com

. Trees add aesthetics to properties, keep yards fresh, and prevent flooding. However, as trees age and become large, they pose a danger to the surroundings, and if not mitigated, the accidents can be fatal. Tree hazards may result from storm-related or construction damages.

image courtesy of unsplash.com

While there are few reports where a

car crashes into a tree

in the area, when they occur, injuries are often difficult to remedy. If you have trees in your property, it is essential to know the potential risks and how to manage them.

Identify the Risks

Start by observing the trunk to find out if there is decay. You may notice multiple reproductive structures, which indicate that the decay has reached an advanced stage. Dead branch stubs, cracks, butt swell, and large-old wounds are signs the tree is rotting from the inside. Also, inspect the crown and roots.

If there is any damage to the root, the likelihood of failure is high. Understanding the

causes of tree failure

helps you take the necessary steps to prevent branches or the whole tree from falling on houses, vehicles, or people.

Hire Expert Tree Services

According to

Rich\’s Tree Service

, time is of the essence to ensure the safety of people and property when a tree begins to fall or decay. After identifying risks, contact a professional arborist immediately. An arborist will assess the tree’s health or level of damage caused by either disease, construction work, a car collision, or harsh weather. Depending on the extent of damage, tree service providers will recommend

various tree treatment methods

, including pruning and removal. However, you may require emergency services if the tree has fallen, landed on property, or lighting strikes cutting off branches.

Avoid Cutting or Trimming Trees

Cutting down trees involves many dangers, and without professional knowledge, you are likely to experience injuries and severe damages. Arborists are aware of the

risks involved in tree cutting and trimming

and follow strict safety measures to avoid falling and electrocution. They also use the right equipment and prepare before the hazards falling twigs and branches present.

Apart from knowledge and using advanced equipment, professional arborists offer many services. When you hire reliable tree service providers, you don’t have to worry about green waste. Experts know how to dispose of debris from large-scale tree cutting. Plus, they will remove stumps without causing damage to the environment.

Philly Baptist Church Minister Says Trump\’s Opportunity Zone Program is Working (video)

Rev. Todd Johnson, \”Trump changed Philadelphia for the better, people are waking up to pandering Dems.\”

PHILADELPHIA, PA (February 15, 2020)–Appearing on

\”Fox & Friends: Weekend\”

, Reverend Todd Johnson, of the

First Immanuel Baptist

Church

said Saturday the Opportunity Zone in the city of brotherly love — created by the 2017

Tax Cuts and Jobs Act

— is working.

According to the

Internal Revenue Service (IRS)

, Opportunity Zones are designed to spur

economic

development and

job creation

in distressed communities throughout the United States by providing tax benefits to investors who invest eligible capital gains by making an appropriate investment and meet other requirements.

(CONTINUE TO READ)

Watch the latest video at

foxnews.com

Seasonal Flu More Dangerous Than COVID-19

Gloucester Township, NJ) – While Coronavirus (COVID-19) is in the headlines and a prime topic with medical professionals, the County Department of Health and Human Services says it currently poses little risk to residents in the United States. While the outbreak continues throughout the 22 impacted countries, the county health department is maintaining constant contact with health care providers in the region and state and federal agencies. The department is maintaining contact with local universities and other institutions to monitor and report any new developments.

To date, there have not been any confirmed cases of COVID-19 in New Jersey, and there have been only a handful of cases across the United States. The Centers for Disease Control (CDC) maintains that the threat of human-to-human transmission of the virus in the United States is low.

“For the vast majority of Americans, unless you have recently traveled to Hebei Province where the outbreak is believed to have started, you are not at risk of contracting the coronavirus,” said Camden County Health Officer Paschal Nwako. “Still, the dedicated professionals at the Health Department are receiving constant updates from the CDC and state Department of Health in order to monitor any changes in this assessment and to keep the public informed.”

COVID-19 is a novel coronavirus which is believed to have first emerged in Wuhan, China in December 2019. A novel coronavirus is a coronavirus which has not been previously identified. These are different from other coronaviruses that commonly circulate among humans like the common cold.

Although it is considered a serious public health concern by the CDC, the agency maintains that based on the current information available, the immediate health risk from COVID-19 to the general public in the United States is considered low.

The New Jersey Department of Health is working with state and federal partner agencies to track and monitor any suspected cases of the virus and those who had been in contract with any ill persons. The Camden County Department of Health also has the ability to order quarantine for anyone suspected of having contracted the virus.

Anyone with questions about the novel coronavirus, symptoms, or their risk of exposure, can call the free, 24-hour public hotline at (800) 222-1222 where trained professionals are standing by to answer questions about COVID-19.

“It is still important to practice good hygiene, washing your hands regularly, covering coughs and sneezes with sleeves or tissues instead of your hands, avoiding sick people when possible,” said Freeholder Carmen Rodriguez. “We want to use this opportunity to stress to the public that while the coronavirus poses little threat at this time, the threat from the seasonal flu remains quite high throughout New Jersey.”

Rodriguez and health officials are stressing the deadly potential of the seasonal flu which currently poses a much greater risk to our community than COVID-19. There have not been any coronavirus-related deaths in the United States, meanwhile the CDC estimates that since October 2019, the seasonal flu has caused more than 10,000 deaths in the United States.

In New Jersey, flu activity remains high in all counties, and officials are reporting an increase in Type B influenza strains, which, like Type A, can cause serious respiratory illnesses and fast-spreading epidemics. The flu vaccine is generally more effective against Type B viruses.

Camden County residents can still receive the influenza vaccination at Camden County’s Regional Health Centers in Bellmawr and Camden City.

To schedule an appointment or to inquire regarding walk-in hours, please contact the appropriate center:

Bellmawr Regional Health Center

35 E. Browning Road

Bellmawr, NJ 08031

(856) 931-2700

Board of Social Services Building

600 Market Street, Basement B-55

Camden, NJ 08102

856-756-2266

“While not 100 percent effective, the flu vaccination is still the best way to protect yourself and your family from getting sick,” Rodriguez said. “While we keep those affected by the coronavirus in our thoughts and prayers, we hope that our residents will take the initiative and use their elevated concern surrounding the virus and focus on the much more immediate risk which is the seasonal flu.”

For additional information about where and how to receive the flu vaccine residents can contact the county Department of Health and Human Services at (800) 999-9045, or visit

www.camdencounty.com

, or contact their primary physician.

Pennsylvania Suing Delta Auto to Get Money Back for Consumers in Repair Scam

HARRISBURG – Attorney General Josh Shapiro announced today that his Office has filed a civil lawsuit against extended automobile warranty company Delta Auto Protect to get money back for consumers and repair shops which fell victim to its car repair scam. Delta is operated by Omega Vehicle Services LLC and its managing member Charles Seruya.

The

lawsuit

alleges the company advertises and sells vehicle service and repair contracts to thousands of consumers in multiple states from a virtual office in Exton, PA, but refuses to honor the contracts it sells and, after accepting payment from consumers, refuses to cover the necessary repairs promised under contract.

“Many customers of Delta Auto Protect of Exton have complained to my Office, and they’re not happy,” AG Shapiro said. “From phone calls to emails and letters, consumers have let us know how unresponsive this defendant has been to them. This rude and illegal treatment of customers is unwarranted. We are listening, and we are taking action to get their money back.”

The Attorney General said he wants restitution for Delta customers who:

Paid for warranties and didn’t get the coverage they were promised,

Paid out-of-pocket costs to repair their vehicles, and

Tried to cancel their policies but didn’t receive refunds.

Shapiro said he is also seeking restitution for repair shops that didn’t get paid.

The lawsuit says Delta advertised “24/7 customer service” to entice sales, but when consumers and the repair shops called about missing payments, the company dodged them, re-routed their calls, left them endlessly “on hold.” They also failed to return messages.

In some instances, Delta placed a condition on payment that required a consumer to remove their negative reviews of the company. Multiple consumer complaints allege the company failed to pay refunds for contract cancellations.

“I’ve been calling this company almost every week for the past year and it has failed to pay for the repairs on my car,” said Carolyn Ames, a customer from Germansville, Lehigh County. “Delta is impossible to reach. If I do get through they hang up and they never return my calls. I’m so glad to know Attorney General Shapiro is standing up for consumers like me and is taking action to get my money back.”

AG Shapiro is urging any consumers who believe they were victimized by the defendants’ business practices to

submit a complaint

with the Office of Attorney General’s Bureau of Consumer Protection, calling the Attorney General’s Consumer Protection Hotline at 1-800-441-2555 or emailing

scams@attorneygeneral.gov

.

This complaint has been filed in the Philadelphia County Court of Common Pleas by Senior Deputy Attorney General Karen C. McRory-Negrin.

# # #

CNB Medical News: The Winter Blues

(NAPSI)—You may have heard the terms—winter blues, Seasonal Affective Disorder (SAD), Depressive Disorder with a Seasonal Pattern. No matter what you call it, with approximately 17.3 million adults in the U.S. experiencing seasonal depression, according to the National Institute of Mental Health, feeling gloomy this time of year isn’t uncommon—but it can be overcome.

The Problem

Depressive Disorder with a Seasonal Pattern (formerly called SAD) can affect anyone of any age. Whether you’re a student returning to class, a busy working professional who’s always playing catchup, or even newly retired with found time on your hands, the excitement of the holidays is long over and wintry dark days are here. While January and February are the typical peak months for the disorder, symptoms can persist through April, according to Mental Health America.

Doctor’s Advice

When that feeling of sadness persists for several weeks, it’s time to take action, according to Dr. Desreen Dudley, a licensed Clinical Psychologist and Behavioral Health Provider of Therapeutic Services for Teladoc Health. But, she points out, often the toughest thing for many is how to discern whether what they feel is temporary or something more serious.

“If someone has a few days of feeling low, that’s normal and typically nothing to worry about. It’s when the feeling lingers for weeks and people lose interest in daily activities and suffer persistent negative thoughts, that lend a stronger basis for Depressive Disorder with a Seasonal Affective Pattern diagnosis,” she says.

What To Watch For

Other symptoms she warns about are:

•Change in appetite

•Change in sleep pattern

•Decreased energy

•Decreased concentration

•Feelings of worthlessness or guilt

•An inability to think, concentrate, or finish tasks at work or school

•Thinking about suicide, self-harm, or death

Dr. Dudley contends individuals already struggling with depressive disorders are susceptible to SAD patterns. For older Americans, a Vitamin D deficiency can exacerbate low moods. On the other end of the spectrum, she has worked with newly independent college students who find SAD a heavy burden and say their new responsibilities of classes, exams and jobs can compound their depression. For some, not rising as early for classes as they did in high school means sleeping in more and further limiting their exposure to sunlight.

What To Do

In addition to considering therapy, such as virtual care, which is available on your terms and from any location you choose, Dr. Dudley recommends:

•Avoiding or cutting back on alcohol and other addictive substances

•Eating healthfully—more lean proteins, fruits and vegetables, and eliminating sugar

•Daily exercise at least 30 minute a day (walking counts)

•Yoga or meditation

•Learning about and trying light therapy

•Regularly surrounding yourself with those you enjoy being around.

When To Seek Help

According to a recent global study conducted by Ipsos MORI for Teladoc Health, individuals often recognize when they’re struggling, but even so, over a third of the respondents who have had one mental health episode admitted to not seeking professional help. The reason? For many, it’s often the difficulty in finding mental health care.

“Thankfully, virtual care is becoming increasingly available as a source of convenient mental health care,” Dr. Dudley says. “It eliminates the traditional obstacles of in-person visits and has opened up access for anyone with a busy schedule, individuals who may have difficulty getting out of the house and students who may fear the stigma of walking into the campus mental health clinic.”

Learn More

For further information, visit

www.Teladoc.com/therapy

.

Tips for keeping your car insurance low

Gloucestercitynews.net (February 17, 2020)–Auto insurance is a tailor-made product, and your policy is very much your own based on factors that are exclusive to you. It is not a fixed cost and could cost you some good money. Still, you can lower it through better bargaining with the insurance company to get better

insurance quotes

only when asked for. Having adequate coverage does a lot of good when you face adverse situations that damage the car or injure others and damage property. The insurance policy protects you financially as the insurance company pays out for the damage when you lodge a claim.

It does not require that you cut down driving, which can help to lower the premium because there are many other

ways to obtain other discounts

which, when added together, considerably lower the premium.

Focus on safe driving

Since insurance rates depend upon the risk assessed by the insurance company, the more you prove that you are a safer driver, the lower would be the insurance rate. On the other hand, if you are accident prone and used to frequent traffic violations, be ready to pay higher insurance. To ensure safe driving, drive at moderate speed, and stay alert and agile so that you have better control over the vehicle and avoid accidents. Maintaining the smallest list of traffic violations is the way to keep insurance costs low.

Buy an insurance friendly car

The car is a major factor that determines the insurance rate, and when you buy a car, check if there are better models from the insurance perspective. The cost of the car and its fancy features are reasons for a higher premium, and it is better to choose a car that is more need-oriented than an object of vanity. The value of the vehicle has a direct relation to the collision coverage, and it is inherent in some car models to attract higher insurance. If you buy a sports car or something that one can interpret to be a sports car, then you must be ready to pay higher insurance as you must for other luxury cars.

Avail behavior-based discounts

Insurance companies reward well-behaved and disciplined drivers with favorable insurance rates by offering discounts. Having a clean driving history underlines the safe driving habits and lowers the risk which the insurance company acknowledges by charging a lower premium. The more control you have on your driving behavior, the better it is because you can claim better rates from insurance companies.

Focus on care safety features

Choose a car that matches your budget and has adequate safety features. Avoid buying a car that might cost less because of fewer safety features because insurance companies rely on better safety features that can minimize vehicle damage after accidents and lower the claim amount. Striking a balance between the cost of the car and its safety features, which must be something more than the minimum, will lead to a lower premium.

If you can reduce the average driven distance in a year, the insurance will be lower.

Philly Baptist Church Minister Says Trump\’s Opportunity Zone Program is Working (video)

Rev. Todd Johnson, \”Trump changed Philadelphia for the better, people are waking up to pandering Dems.\”

PHILADELPHIA, PA (February 15, 2020)–Appearing on

\”Fox & Friends: Weekend\”

, Reverend Todd Johnson, of the

First Immanuel Baptist

Church

said Saturday the Opportunity Zone in the city of brotherly love — created by the 2017

Tax Cuts and Jobs Act

— is working.

According to the

Internal Revenue Service (IRS)

, Opportunity Zones are designed to spur

economic

development and

job creation

in distressed communities throughout the United States by providing tax benefits to investors who invest eligible capital gains by making an appropriate investment and meet other requirements.

(CONTINUE TO READ)

Watch the latest video at

foxnews.com

Pennsylvania Suing Delta Auto for Consumers

HARRISBURG – Attorney General Josh Shapiro announced today that his Office has filed a civil lawsuit against extended automobile warranty company Delta Auto Protect to get money back for consumers and repair shops which fell victim to its car repair scam. Delta is operated by Omega Vehicle Services LLC and its managing member Charles Seruya.

The

lawsuit

alleges the company advertises and sells vehicle service and repair contracts to thousands of consumers in multiple states from a virtual office in Exton, PA, but refuses to honor the contracts it sells and, after accepting payment from consumers, refuses to cover the necessary repairs promised under contract.

“Many customers of Delta Auto Protect of Exton have complained to my Office, and they’re not happy,” AG Shapiro said. “From phone calls to emails and letters, consumers have let us know how unresponsive this defendant has been to them. This rude and illegal treatment of customers is unwarranted. We are listening, and we are taking action to get their money back.”

The Attorney General said he wants restitution for Delta customers who:

Paid for warranties and didn’t get the coverage they were promised,

Paid out-of-pocket costs to repair their vehicles, and

Tried to cancel their policies but didn’t receive refunds.

Shapiro said he is also seeking restitution for repair shops that didn’t get paid.

The lawsuit says Delta advertised “24/7 customer service” to entice sales, but when consumers and the repair shops called about missing payments, the company dodged them, re-routed their calls, left them endlessly “on hold.” They also failed to return messages.

In some instances, Delta placed a condition on payment that required a consumer to remove their negative reviews of the company. Multiple consumer complaints allege the company failed to pay refunds for contract cancellations.

“I’ve been calling this company almost every week for the past year and it has failed to pay for the repairs on my car,” said Carolyn Ames, a customer from Germansville, Lehigh County. “Delta is impossible to reach. If I do get through they hang up and they never return my calls. I’m so glad to know Attorney General Shapiro is standing up for consumers like me and is taking action to get my money back.”

AG Shapiro is urging any consumers who believe they were victimized by the defendants’ business practices to

submit a complaint

with the Office of Attorney General’s Bureau of Consumer Protection, calling the Attorney General’s Consumer Protection Hotline at 1-800-441-2555 or emailing

scams@attorneygeneral.gov

.

This complaint has been filed in the Philadelphia County Court of Common Pleas by Senior Deputy Attorney General Karen C. McRory-Negrin.

# # #