5 ways to cut smartphone costs

By David Bakke

Slideshow-call-911-on-cell-phoneClose to half of all Americans enjoy the benefits of a smartphone, but many fail to consider the increased costs to maintain it. While a traditional cell phone could cost as little as $20 per month, a family of four nowadays can easily pay close to $200 per month for data alone.

If you have a smartphone or are considering one, here are five tips to lower your monthly bill:

No. 1: Save on the hardware

The best things in life are free, and the same goes for smartphones — if you know where to look. Check out websites like FatWallet or DealCatcher, which post coupons and discounts on devices and services. But be patient: You may have to comb through a lot of deals before you find the right one.

No. 2: Save on the plan

Ask yourself if you really need that unlimited data plan. The average smartphone holder uses only 256 megabytes of data per month, but many end up paying for plans of 10 gigabytes or larger. Whether or not you’re part of a shared plan, review your usage to get a general picture of your monthly data consumption and make adjustments to your plan accordingly. As with any purchase, don’t pay for something you won’t use.

Read More 5 ways to cut smartphone costs – Your Money – MSN Money.

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Black Nativity

MV5BMTY3NzAyMDExM15BMl5BanBnXkFtZTcwNDk1NjU1OQ@@__V1_SY317_CR131,0,214,317_If you caught the BET Awards last night, you may have already seen this. Black Nativity opens on Thanksgiving Day-EVE on November 27, 2013. The movie is based on Libretto by Langston Hughes and the screenplay adapted by Kasi Lemmons (Candyman and Silence of the Lambs) who also directed. It’s about a teen from Baltimore who is sent to New York by his mother to spend the holiday with his estranged relatives. Black Nativity stars Jennifer Hudson, Angela Bassett, Forest Whittaker, Mary J. Blige, Tyrese Gibson, and Jacob Latimore.

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The long, lonely search for a job

By Dan Horn

jobRay Ross opens the spiral notebook and grimaces as he reads the numbers on the page.

One side shows his family’s income for the month, the other lists the bills. It’s a simple equation, neatly written by his wife in columns labeled “due,” “paid” and “balance.”

Ray can tell right away the numbers don’t add up.

“Here’s what we have,” says his wife, Judi, pointing at the page from across the kitchen table. “And here’s what we owe.”

It’s early March, and the monthly ritual of calculating the family budget is more painful than ever. The reason is no mystery to Ray: He’s been out of work for four years. His unemployment benefits are long expired, and he and Judi have burned through their savings and 401(k)s.

Once a proud, confident breadwinner, Ray now routinely plants a “Yard Sale” sign in front of his Sharonville home so he can pay the bills. They’ve sold bikes, jewelry, even the guitars they got their sons for Christmas a decade ago.

His steady, working-class existence has given way to a constant struggle to hold on to what he has.

It’s a struggle he shares with 4.4 million Americans who have been without a job at least six months. These are the nation’s long-term unemployed. They often go unnoticed, falling out of the workforce and, eventually, out of the government’s unemployment counts.

Read More The long, lonely search for a job.

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Paid via Card, Workers Feel Sting of Fees

By Jessica Silver-Greenberg and Stephanie Clifford

debit-cardA growing number of American workers are confronting a frustrating predicament on payday: to get their wages, they must first pay a fee.

For these largely hourly workers, paper paychecks and even direct deposit have been replaced by prepaid cards issued by their employers. Employees can use these cards, which work like debit cards, at an A.T.M. to withdraw their pay.

But in the overwhelming majority of cases, using the card involves a fee. And those fees can quickly add up: one provider, for example, charges $1.75 to make a withdrawal from most A.T.M.’s, $2.95 for a paper statement and $6 to replace a card. Some users even have to pay $7 inactivity fees for not using their cards.

These fees can take such a big bite out of paychecks that some employees end up making less than the minimum wage once the charges are taken into account, according to interviews with consumer lawyers, employees, and state and federal regulators.

Devonte Yates, 21, who earns $7.25 an hour working a drive-through station at a McDonald’s in Milwaukee, says he spends $40 to $50 a month on fees associated with his JPMorgan Chase payroll card.

“It’s pretty bad,” he said. “There’s a fee for literally everything you do.”

Certain transactions with the Chase pay card are free, according to a fee schedule.

Many employees say they have no choice but to use the cards: some companies no longer offer common payroll options like ordinary checks or direct deposit.

Read More Paid via Card, Workers Feel Sting of Fees – NYTimes.com.

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Back To the Future: Workers Fight For Better Pay AND Shorter hours

By Sarah Jaffe

Another citizen for workers' rights.

Another citizen for workers’ rights. (Photo credit: Rochelle, just rochelle)

“A hundred years ago [Benjamin] Franklin said that six hours a day was enough for anyone to work and if he was right then, two hours a day ought to be enough now.”

Lucy Parsons spoke those words in 1886, shortly before the execution of her husband, Albert. The two had been leaders in the eight-hour-day movement in Chicago, which culminated in a general strike, a rally, and the throwing of a bomb into the crowd in Haymarket Square. Albert Parsons, along with three other “anarchists,” was hanged for the crime, though he’d already left the rally by the time the bomb was thrown. Lucy kept up the fight for the rest of her life, working with anarchists, socialists, the Industrial Workers of the World, and the Communist Party for the cause.

Women like Lucy Parsons were at the heart of the struggle for the shorter work week, an integral part of the labor movement until the end of the Depression, which saw the forty-hour week enshrined in law after the defeat of Hugo Black’s thirty-hour-week bill. As Kathi Weeks writes in “‘Hours for What We Will’: Work, Family and the Movement for Shorter Hours” in Feminist Studies 35, after World War ii, the demand for shorter hours was increasingly associated with women workers, and was mostly sidelined as the forty-hour week became an institution.

“Not only wages — I am thinking here of the ‘female wage’ and the ‘family wage’ — but hours, too, were constructed historically with reference to the family,” Weeks notes. The eight-hour day and five-day week presumed that the worker was a man supported by a woman in the home, and it shaped expectations that his work was important and should be decently paid, while women’s work was not really work at all (even though, as Weeks notes, the gender division of labor was supported by some paid domestic work, done largely by women of color). The postwar labor movement focused on overtime pay and wages, leaving the women’s issue of shorter hours mostly forgotten.

Read More Back To the Future: Workers Fight For Better Pay AND Shorter hours | Alternet.

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An Unstoppable Climb in C.E.O. Pay

Stack of Money - Scraped from the Net

By Gretchen Morgenson

WHEN we made our annual foray into the executive pay gold mine in April, chief executives’ earnings for 2012 showed what appeared to be muted growth on the year. The $14 million in median overall compensation received by the top 100 C.E.O.’s was just a 2.8 percent increase over 2011, the figures showed.

Well, what a difference a few months and a larger pool of C.E.O.’s make. According to an updated analysis, the top 200 chief executives at public companies with at least $1 billion in revenue actually got a big raise last year, over all. The research, conducted for Sunday Business by Equilar Inc., the executive compensation analysis firm, found that the median 2012 pay package came in at $15.1 million — a leap of 16 percent from 2011.

So much for the idea that shareholders were finally getting through to corporate boards on the topic of reining in pay.

At least the stock market returns generated by these companies last year exceeded the pay increases awarded to their chiefs. Still, at 19 percent in 2012, that median return was only three percentage points higher than the pay raise.

In other words, it’s still good to be king.

Read More An Unstoppable Climb in C.E.O. Pay – NYTimes.com.

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American power in the 21st century will be defined by the ‘rise of the rest’

English: South façade of the White House, the ...

By Joseph S. Nye Jr.

In the last century, the United States rose from the status of second-tier power to being the world’s sole superpower. Some worry that the United States will be eclipsed in this century by China, but that is not the problem.

There is never just one possible outcome. Instead, there are always a range of possibilities, particularly regarding political change in China. Aside from the political uncertainties, China’s size and high rate of economic growth will almost certainly increase its strength in relation to the United States. But even when China becomes the world’s largest economy, it will lag decades behind the United States in per-capita income, which is a better measure of an economy’s sophistication. Moreover, given our energy resources, the U.S. economy will be less vulnerable than the Chinese economy to external shocks. Growth will bring China closer to the United States in power resources, but as Singapore’s former prime minister Lee Kwan Yew has noted, that does not necessarily mean that China will surpass the United States as the world’s most powerful country. Even if China suffers no major domestic political setbacks, projections based on growth in gross domestic product alone ignore U.S. military and “soft power” advantages as well as China’s geopolitical disadvantages in the Asian balance of power.

Read More American power in the 21st century will be defined by the ‘rise of the rest’ – The Washington Post.

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The Future of Voting Rights

President Lyndon B. Johnson meets with Martin ...

President Lyndon B. Johnson meets with Martin Luther King, Jr. (Photo credit: Wikipedia)

By The Editorial Board

When five justices of the Supreme Court disabled the Voting Rights Act last Tuesday, they left it to Congress to find a new formula to restore one of the great landmarks of equality and once again protect the nation’s most fundamental democratic right. That is unlikely for the moment given Congressional dysfunction, as the justices certainly knew, but it is hardly impossible in the months and years to come.

What is needed now is a new coalition — as loud and as angry as the voices of 1965 — to demand that Republican lawmakers join Democrats in restoring fairness to the election system. Discrimination at the ballot box continues and is growing.

It comes in more forms than it did a half-century ago, but it is no less pernicious. Instead of literacy tests, we now have rigid identification requirements. Instead of poll taxes, we now have bans on early voting, cutbacks in the number of urban precincts, and groups that descend on minority districts to comb the registration rolls for spelling errors.

These measures, largely undertaken to reduce Democratic votes in the Obama period, have a direct impact on minority voters in dozens of states. But they also affect the poor of all races, older people, students and legal immigrants, increasing the need for expanded legislation.

Fortunately, the court did not throw out Section 5 of the act, which allows the Justice Department to invalidate discriminatory voting practices, but it got rid of the formula that determined where the department could act. That leaves Congress and the Justice Department several ways to restore the government’s jurisdiction.

Read More The Future of Voting Rights – NYTimes.com.

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A Nation of Mutts

English: David Brooks

English: David Brooks (Photo credit: Wikipedia)

By David Brooks

Over the past few decades, American society has been transformed in a fit of absence of mind. First, we’ve gone from a low immigrant nation to a high immigrant nation. If you grew up between 1950 and 1985, you grew up at a time when only about 5 percent or 6 percent of American residents were foreign born. Today, roughly 13 percent of American residents are foreign born, and we’re possibly heading to 15 percent.

Moreover, up until now, America was primarily an outpost of European civilization. Between 1830 and 1880, 80 percent of the immigrants came from Northern and Western Europe. Over the following decades, the bulk came from Southern and Central Europe. In 1960, 75 percent of the foreign-born population came from Europe, with European ideas and European heritage.

Soon, we will no longer be an outpost of Europe, but a nation of mutts, a nation with hundreds of fluid ethnicities from around the world, intermarrying and intermingling. Americans of European descent are already a minority among 5-year-olds. European-Americans will be a minority over all in 30 years at the latest, and probably sooner.

If enacted, the immigration reform bill would accelerate these trends. It would further increase immigration levels. According to the Census Bureau, roughly 20 million immigrants will come to this country under current law. The Congressional Budget Office expects another 16 million under the new provisions.

It would boost the rise of non-Europeans. Immigration would be more global. Hispanics are now projected to make up 30 percent of the U.S. population by 2050. We would hit that mark sooner with reform.

Read More A Nation of Mutts – NYTimes.com.

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Woman Says George Zimmerman Molested Her For More Than A Decade

By Trymaine Lee

George Zimmerman

George Zimmerman (Photo credit: ChrisWaldeck)

A woman with close ties to George Zimmerman and his family told investigators that members of Zimmerman’s family were boastfully proud racists and that for more than a decade Zimmerman sexually molested her.

“It started when I was six,” the woman told investigators during an interview on the morning of March 20. “We’d all lay in front of the TV and we had pillows and blankets and he would reach under the blankets and try to do things and I would try to push him off but he was bigger and stronger and older,” the woman said, audibly weeping in the Florida State Attorney’s Office interview recording released Monday. “It was in front of everybody and I don’t know how I didn’t say anything, I just didn’t know any better.”

The woman, identified in various reports and in taped interviews with investigators as witness 9, said that from the age of six to 19 Zimmerman repeatedly fondled her, at times penetrating her vagina with his finger.

Read More Woman Says George Zimmerman Molested Her For More Than A Decade.

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