‘Should I stay or should I go?’ How the pandemic has affected higher education

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By NCL Health Policy intern Talia Zitner

Every morning, I wake up with a new decision to make. Am I going back to campus? Or am I spending the Fall semester taking online classes from the comfort of my childhood bedroom? I’m a rising sophomore at Wesleyan University, and to add insult to injury, I’m also an incoming transfer student. My internal debate about going back to school is near-constant, and despite weighing the pros and cons of each, I still can’t seem to come to a comfortable conclusion.

Around the country, colleges and students are faced with this same, nearly impossible challenge. If schools can’t or won’t open in the fall, they risk closing forever without tuition money. If they do allow students to come back to campus, and an outbreak occurs, they put students, professors, faculty, staff, their families, and the greater community at risk. Students rely on colleges to be their home away from home, a place where they can work and learn in a structured, safe, and healthy environment, not to mention the social benefits.

Consequently, coming back to campus poses a serious financial and ethical question. Like anything else, college and higher education is a business. Consumers want to get the most for their money, and the colleges and universities need consumers to engage to have a sustainable business model. The pandemic has shifted the conversation in many areas of life, higher education included.

This issue is especially complicated because it can be broken down from multiple perspectives. For example, an economic point of view argues that colleges are only re-opening because they need the money. Like many other businesses, they stay open because they have no other choice. Without the money generated through tuition and other forms of revenue like donation and state funding, it would take years for schools to recover from the impact of COVID. But college is a substantial investment for families. Why should consumers be expected to pay full (or reduced) tuition for an experience that is more like a monastery than college? Will the investment really be worth it if schools are simply shut down again because of an outbreak at a campus party?

On the other hand, if students aren’t in school come fall semester, what else would they be doing? Most students are hard-pressed to find a job or internship that’s worth taking a semester off for in this environment. And time off may push back a student’s graduation time, putting them behind the rest of their peers. For very legitimate reasons, students want to come to campus and keep their college experience intact.

This seems to be where my own expectations fall. I have no idea if the situation will improve between now and the spring semester. To me, the only course of action is to enjoy the experience that I will have, even if it means wearing a mask.

Talia is a Washington, DC native and a rising sophomore at Wesleyan University, where she is studying English. Beyond health policy, Talia’s interests are in journalism, law, and social justice.

Understand the opioid epidemic and protect yourselves and loved ones

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Knowing the rights, risks and responsibilities of prescription opioid use is an important first step to addressing the opioid epidemic. Whether you are taking medication to treat pain, or have friends or family members who have been prescribed opioids, knowing the facts can help prevent misuse before it occurs.

NCL recently partnered with the Allied Against Opioid Abuse (AAOA) to create a new batch of resources to help educate consumers about prescription opioid safety. The new Consumer Toolkit includes educational materials to help reinforce the need for patients, caregivers, parents, and others to understand their rights, risks, and responsibilities associated with prescription opioid use.

Prescription opioids are medications prescribed by healthcare providers to treat moderate to severe pain for health conditions that cause ongoing discomfort as well as for pain following surgery or injury. Common prescription opioids include:

  • Oxycodone
  • Morphine
  • Hydrocodone
  • Oxymorphone
  • Codeine
  • Fentanyl

If you are not sure if your medicine is an opioid, check your prescription labels to look for generic names. The National Safety Council also provides a helpful chart of medicines that contain opioids. You should always ask your healthcare provider or pharmacist if you are not able to find the name or have questions.

Watch for risk factors associated with prescription opioids, including:

  • Mixing opioids with other medications, drugs, nutritional supplements or alcohol
  • Taking more than prescribed
  • Taking a high daily dose of opioids
  • Certain conditions such as depression, anxiety, post-traumatic stress disorder, HIV, sleep apnea, or liver or lung disease
  • Pregnancy
  • Older age
  • Family history of substance abuse

Let your doctor know if you or your loved ones have any of these risk factors before filling any opioid prescription.

“Opioid misuse often starts in the home, so safe storage and disposal are key to prevention,” said Sally Greenberg, executive director of NCL. “Make sure that prescription opioids are stored securely and remember to properly dispose of all unused prescription opioids as soon as possible.”

AAOA offers a safe disposal locator for you to find a place to safety get rid of your unused medications. Find details on safe disposal options *here.

*Links are no longer active as the original sources have removed the content, sometimes due to federal website changes or restructurings

Consumers for Safe CBD is working to protect, educate Americans

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As America’s premier consumer advocacy organization, with a rich history of fighting to make the marketplace fair, safe, and healthy for consumers, NCL is hard at work on the most important issues in food and drug safety and to collaborate on improving consumer education.

In recent years, NCL has been observing the CBD, or cannabidiol, marketplace exploding, with products lining shelves of grocery stores, specialty shops—even gas stations. Products were appearing to make many claims or hint at miracle cures, and most consumers had no idea how or whether the products were being regulated. Who is making sure these tinctures, oils, gummies, and lotions are safe, and do they do what they claim?

This is why last year, NCL joined forces with the Consumer Federation of America and the Community Anti-Drug Coalitions of America, to create a national campaign called *Consumers for Safe CBD.

NCL had identified a serious need for greater education among consumers about CBD, and that’s why Consumers for Safe CBD was created. Consumers for Safe CBD aims to help educate the public about the risks related to untested, unapproved CBD products on the market, champion the rights of consumers, and call on the U.S. Food and Drug Administration (FDA) and industry to do better to ensure safety and promote a pathway for new products through clinically tested scientific research.

“Cannabidiol, commonly referred to as CBD, is being used in a growing number of consumer products and is illegally sold in stores and on the Internet,” said NCL Executive Director Sally Greenberg. “We’re working to educate consumers and ensure accurate labeling, clear guidelines, and further research to protect against unknown and known risks of CBD products.”

NCL and its partners continue to raise awareness among consumers, policymakers, and regulators about the health risks associated with the unregulated CBD marketplace, in particular with the unproven health claims and often inaccurate labeling of products on the market today. Beyond the known health risks associated with unregulated CBD, there are a number of unscrupulous marketing tactics that prey on unsuspecting consumers. This includes false and dangerous claims that CBD has medical benefits that can prevent and stop the spread of the COVID-19.

By warning consumers about these false claims, participating in media interviews and publishing op-eds across the country, highlighting important research and reports, and sending letters to several retailers, state Attorneys General and Members of Congress, the campaign is working to protect consumers across the country from unapproved and potentially dangerous CBD products.

“We need to better understand the potential health benefits of CBD, but this can only be accomplished through clinical testing and scientifically validated methodologies,” said Greenberg. “We need the FDA to step up for consumers and for the public health.”

The time for action is now. CLICK HERE for more information about the Consumers for Safe CBD effort.

*Links are no longer active as the original sources have removed the content, sometimes due to federal website changes or restructurings

Consumer literacy program for teens launching new season year

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LifeSmarts, the nation’s premier consumer program, has never been more relevant. Launching its 27th year this fall, our consumer literacy educational program and scholarship opportunity for teens provides real-world education for students on core consumer topics and develops critical thinking skills. LifeSmarts curriculum covers five key topic areas: consumer rights and responsibilities, the environment, health and safety, personal finance, and technology. LifeSmarts is creating consumer savvy young people who will be well equipped for adult life in today’s complex, global marketplace.

Since the onset of the coronavirus pandemic this spring, the LifeSmarts program has pivoted to help newly at-home educators, students, and parent-educators make use of the many free educational resources the program provides.

NCL’s LifeSmarts staff created new resources to help students learn from home during this challenging time:

  • New Weekly Quizzes provide an opportunity for students to quiz independently, while allowing coaches to track student scores and progress.
  • LifeSmarts Adventure, the LifeSmarts app, has been relaunched. The app takes competitors on a virtual road trip as they quiz on all LifeSmarts topics.
  • Quality third-party LifeSmarts resources have been vetted and shared with our audience. These include practice sets developed by LifeSmarts, coaches, and coordinators using a variety of online study platforms.
  • Coaches receive weekly program updates featuring LifeSmarts resources to enhance online learning.
  • The LifeSmarts.org home page has been refreshed to focus on learning from home.

The LifeSmarts 2020-2021 season launches next month! This year, the program will offer new and exciting ways for educators and students to get involved in LifeSmarts. New projects this year will include features on over-the-counter medicine safety, Social Security and retirement planning, and a relaunch of the official LifeSmarts Adventure app, new quizzing activities, and more!

LifeSmarts has plenty to offer educators—teaching tools, resources, and curriculum. And for students, the skills they need to be successful adults, as well as extracurricular activities, community service opportunities, character development, and many
experiences whose memories will last a life-time.

Think LifeSmarts might be right for you or someone you know? Visit LifeSmarts.org to learn more.

Sorting through bogus health claims

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Across the United States, people are rising to the historic health needs and challenges posed by coronavirus, with healthcare workers on the frontlines risking their lives, and businesses pivoting to manufacture much-needed medical and protective supplies.

But deep concerns about the health implications—what happens to people who contract the disease from a health and financial perspective—are top of mind for many of us. And a cynical minority has seized on the crisis to employ unscrupulous, and frankly dangerous, marketing tactics to promote bogus products claiming to protect users against the coronavirus or provide relief for those infected—as well as peddling downright phony coronavirus testing products.

“These false claims touting unproven medical benefits are nothing more than craven attempts to take advantage of fearful consumers,” said NCL Executive Director Sally Greenberg.

“Moreover, they spread misinformation among consumers anxiously seeking ways to stay safe and healthy amidst the coronavirus crisis.”

In an op-ed in The Hill published in May, Greenberg noted that a number of CBD manufacturers and stores are falsely promoting unproven medical benefits of CBD products.

A CBD store in Portland, OR, for example, was recently ordered by the office of the state’s attorney general to take down signs claiming that its products could boost immunity against COVID-19.

“False claims such as this are particularly dangerous as consumers anxiously attempt to stay safe and healthy amidst the coronavirus crisis,” said Greenberg. “The need for science-backed treatments is significant and we must ensure products are tested and regulated for safety.”

Contrary to claims being made by CBD marketers that products containing cannabidiol can help those suffering from coronavirus, recent studies have actually found potential harmful side effects of cannabis products on infected coronavirus patients. Aurelius Data cautions the public against the potential harmful side effects that can come from consuming cannabis products with Tetrahydrocannabinol (THC) if a patient is infected with COVID-19. And studies have shown that many unregulated CBD products have been found to contain THC, though the labels may not disclose this.

“In these uncertain times, we urge consumers to continue to take precautions,” said Greenberg. “We urge everyone to follow CDC guidelines for COVID-19, practice safe social distancing, and at the same time avoid THC products and all untested, unregulated CBD products to help keep your family, friends, and communities safe.”

Consumer guide to general purpose reloadable cards – National Consumers League

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General Purpose Reloadable prepaid cards (GPR) are the fastest growing payment method in the country. They are increasingly popular with consumers who can’t qualify for traditional credit or debit cards or for those who need a convenient way to help them stick to a budget, since the cards generally can’t be overdrawn. While GPR cards have similar uses and even look nearly identical to credit or debit cards, consumers should know that there are important differences in terms of fees and consumer protections.

 

This guide is designed to help consumers learn what makes GPR cards different from other types of plastic cards, about the fees associated with the cards, and understand their rights under the law.

What is a GPR card?
General purpose reloadable prepaid cards (GPR cards) are much like the debit cards that many consumers use. However, they are not linked to a traditional checking account. Consumers can use them to purchase retail items at stores or online, pay bills online, get cash from ATMs, and have paychecks directly deposited onto them. GPR cards can be purchased from retailers like drug stores, grocery stores or check-cashing outlets, bank branches, and online.

  • What is the difference between a GPR card and a bank account debit card?

    • A bank account debit card is linked to your bank’s checking account. GPR cards are not linked to a personal checking account.

    • Your bank account debit card may allow you to spend more than the amount that is in your account if you have opted in to an overdraft service. Prepaid debit cards do not let you spend more money than you have loaded on to a card.

  • What is the difference between a GPR card and a credit card?

    • When you use a GPR card, you are using your own money that you have already loaded on to the card. You can only spend as much money as you have pre-loaded.

    • When using a credit card, you are using borrowed money that you have to pay back at the end of each month (with interest, if you carry a balance). Credit card use is limited by the credit limit on the card.

  • What is the difference between a GPR card and a gift card?

    • GPR cards are reloadable, so when the money on the card is used up, you can add additional funds. Gift cards are often not reloadable.

    • GPR card users can withdraw cash from their cards at an ATM. Gift card holders cannot.

  • What is the difference between a GPR card and a payroll card?

    • A payroll card is an alternative to paper checks and to bank account direct deposits. Your employer can load your pay directly to a payroll card.

    • Payroll cards are provided by employers to their workers and are not typically marketed or purchasable by consumers. GPR cards are marketed to consumers and available for purchase by the general public.

For tips on how to protect the right GPR card for you, click here.

Alcohol consumption during COVID-19: What the consumer needs to know

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By Nailah John, Linda Golodner Food Safety and Nutrition Fellow

While most people are stuck at home in America during the COVID-19 pandemic, many have increased their alcohol purchase and consumption. During the Great Depression, President Franklin D. Roosevelt reportedly stated at the end of prohibition, “what America needs right now is a drink.” American’s are now facing another crisis, a pandemic and are adhering to this call.

According to a survey done by the research firm Nielsen, off-premise sales of alcohol spiked nationwide following stay-at-home orders. A new study from Alcohol.org stated that 1 in 3 Americans are drinking alcohol while working from home during COVID-19 lockdown. About 32 percent of Americans are more likely to be drinking while working from home, with 36 percent of men and 26 percent of women drinking while working.

In 2018, National Survey on Drug Use and Health (NSDUH) disclosed data showing that 86.3 percent of Americans ages 18 or older reported that they drank alcohol at some point in their lifetime; 70 percent reported they drank in the past year; 55.3 percent reported that they drank in the past month. NSDUH also indicated in 2018 that 14.4 million adults ages 18 and older had Alcohol Use Disorder in the United States. This includes 9.2 million men and 5.3 million women. The survey went onto disclose an estimated 401,000 youth ages from 12 to 17 had Alcohol Use Disorder.

According to Healthline, Americans expressed that their daily routine has changed and many have faced unemployed. This increased uncertainty, anxiety, and fear brought on by the pandemic has resulted in binge drinking.

What is defined as “binge drinking”? The Centers for Disease Control and Prevention (CDC) defines it as a pattern of drinking that brings a person’s alcohol concentration (BAC) to 0.08 g/dl or above. This typically happens when men consume 5 or more drinks or women consume 4 or more drinks in about 2 hours.

Binge drinking has some serious risks and is associated with many health problems, including:

  • sudden infant death syndrome;
  • obesity;
  • chronic diseases such as high blood pressures, stroke, heart disease, and liver disease;
  • cancer of the breast, mouth, throat, esophagus, liver, and colon;
  • memory and learning problems;
  • alcohol use disorders;
  • and fetal alcohol spectrum disorders.

The CDC stated in 2010 that alcohol misuse cost Americans an estimated $249.0 billion. These costs resulted from losses in workplace productivity, health care expenditures, criminal justice costs, and other expenses. Binge drinking was responsible for 77 percent of these costs or $191 billion.

Many consumers are unaware that the U.S. Treasury Department’s Alcohol and Tobacco Tax and Trade Bureau (TTB) has not mandated “Alcohol Facts” on alcoholic beverages. Consumers have access to labeling information that contains nutritional facts on every single thing they consume except alcoholic beverages. As a result, consumers have little means of knowing the most basic information about alcoholic beverages. At the National Consumers League (NCL), we think the need for alcohol labeling is long overdue. Over the last two decades, NCL has petitioned the federal government for standardized “Alcohol Facts” and, this summer, will be calling for action on Alcoholic Beverage Labeling. Join your voice with ours by signing the forthcoming petition addressed to TTB and demand the drafting and implementation of rules that mandate a standardized “Alcohol Facts” label on all alcoholic beverages. It’s time to end the confusion so consumers can make informed and responsible purchasing and consumption decisions.

Hawaii Department of Commerce and Consumer Affairs staff honored with top volunteer award from national consumer literacy program, LifeSmarts

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May 19, 2020

Theresa Kong Kee, Gloryana Akapo named 2020 LifeSmarts State Coordinators of the Year 

Contact: National Consumers League – Carol McKay, carolm@nclnet.org, (412) 945-3242 or Taun Sterling, tauns@nclnet.org, (202) 207-2832

Washington, DC—LifeSmarts, a national teen consumer literacy and scholarship program, has named two Hawaii government officials its 2020 Coordinators of the Year: Theresa Kong Kee, Investor Education Specialist, and Gloryana Akapo, Securities Multi-Media Education Specialist with the Office of the Securities Commissioner, both with the Hawaii Department of Commerce and Consumer Affairs. Kong Kee has served as Hawaii State LifeSmarts Coordinator for 7 years; Akapo joined her as co-coordinator two years ago.

LifeSmarts, a consumer education competition that challenges teens in grades 9-12 about personal finance, health and safety, the environment, technology, and consumer rights and responsibilities, is a program of the National Consumers League (NCL). LifeSmarts is coordinated by NCL at the national level and by volunteers who serve as State Coordinators across the country.

“Working together, Theresa and Gloryana run a very successful and competitive LifeSmarts program for students and educators in Hawaii,” said LifeSmarts Program Director Lisa Hertzberg. “They have developed a state LifeSmarts website that includes many resources for educators. They actively promote LifeSmarts through social media to provide resources to their coaches, and they have continued to be especially active during the pandemic.”

LifeSmarts State Coordinators implement the national consumer education program at the local level, bringing to bear their knowledge of best practices for students and educators in their state. State Coordinators promote the program, advise educators, and run online and live state competitions to advance consumer education for the students in their states.

Staff within the Office of the Securities Commissioner in the Hawaii Department of Commerce and Consumer Affairs has served in the State Coordinator role since 2013.

“Theresa and Gloryana work so hard for their state, and it shows; Hawaii’s LifeSmarts program is truly exceptional, when it comes to administration, partnerships, and—most importantly—student participation and success,” said Hertzberg. “The Hawaii LifeSmarts program is robust, and student teams have done very well at the national level. Hawaii is also home to the second largest Junior Varsity (middle school) program in the nation. We are thrilled to honor them this year and congratulate them for a job very well done.”

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About LifeSmarts and the National Consumers League

LifeSmarts is a program of the National Consumers League. State coordinators run the programs on a volunteer basis. For more information, visit: www.lifesmarts.org, email lifesmarts@nclnet.org or call the National Consumers League’s communications department at (202) 835-3323.

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit www.nclnet.org.

More tips for staying healthy during the COVID-19 outbreak and beyond

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By Sally Greenberg, NCL Executive Director

COVID has changed the way we live and has brought with it some drastic changes, like social distancing.

While we don’t want to live like this any longer than we have to, there are new habits that will not only help us get through this challenging time, but can stay with us as helpful tools in our everyday lives.

  1. Maintain hand hygiene, cough and sneeze etiquette. Wash your hands with antibacterial soap and cover your nose and mouth when you sneeze or cough.
  2. Wear face coverings. Even in pre-COVID times, it has been common practice in other countries to wear face masks to protect oneself from those sick with a cold or flu and to protect others when you are sick.
  3. Establish routines. It’s important for your mental, emotional, and physical health to maintain healthy eating habits and to get adequate sleep.
  4. Be wise on portion size. Most of us are less active during this time and it’s easy to overeat. Drink plenty of water and buy small cans of soda rather than super-sized containers.
  5. Plan your meals. This will help you reduce the number of trips you take to the grocery store, stick to your budget, and avoid food waste. Knowing what portions are appropriate for you and your family is also helpful. Try not to overdo it with fast food consumption, which tends to be higher in fat, salt, and sugar.
  6. Stay physically, mentally active. Walk outside and get some sunshine! If that’s not an option, there are plenty of workouts on YouTube! Pilates, yoga, Zumba, and many other exercise programs are available for free if you can’t get out of the house.
  7. Keep everyone connected. We have so many options nowadays like phone calls, text, Facetime, Zoom, and more. Houseparty, for example, is a newly popularized app that allows you to play games with a group of family and friends.
  8. Get some sun! Vitamin D is important for the immune response and getting sun will increase your vitamin D reserves. Open shades and windows while sitting in sunny areas of your home. And, if possible, go outside. Just remember to adhere to social distancing guidelines (maintaining 6+ feet between yourself and others).
  9. Manage your environment. This is especially important for those of us working from home. If you have the ability, designate a work area so that you can keep your work life and personal life separate.
  10. Stay informed. Pay attention to the Center for Disease Control (CDC) and check your local government website. Getting your news from a variety of sources will ensure that you’re in the know about new developments in the fight against COVID-19 internationally and locally.