Tuesday, September 10, 2024
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Chase brings payday early to Secure Banking customers

New enhancement builds on the bank’s efforts to give customers more access and value

 

by Corporate News

 

Chase today announced it is giving Secure Banking customers more flexibility over how they manage their money by providing access to direct deposits up to two days early.

Beginning this month, Secure Banking customers will receive access to eligible direct deposits, such as payroll, tax refunds, government benefits, and pensions, up to two business days early. This covers nearly 90 percent of Secure Banking direct deposits.

“Millions of customers rely on payday to keep up with their bills, so having early access helps them manage unexpected expenses and avoid potential late fees,” said Jennifer Roberts, CEO of Chase Consumer Banking. “This is another way we are giving customers more value and greater flexibility over their finances.”

There is no enrollment required. Secure Banking customers who have direct deposit will automatically receive it up to two days earlier. Customers can sign up for direct deposit alerts to be notified when their money is available in their accounts. Customers who already signed up for direct deposit alerts will be notified via text, email or push notifications when funds have been credited to their account.

Chase Secure Banking already helps customers pay bills, cash checks, and send money — all for the same $4.95 monthly service fee. Secure Banking customers:

– Need no minimum deposit to get started

– Pay no overdraft fees because they can spend only what they have

– Have access to 16,000 Chase ATMs and 4,700 branches

– Can review their account and pay bills through the Chase Mobile app and chase.com

– Receive text and email alerts to help them monitor their balance and transactions

“Secure Banking customers have told us that early access was one of the most appealing benefits we could offer,” said Ryan MacDonald, Head of Growth Financial Products. “At a time when budgets are stretched thin by competing priorities, this is a compelling option to give households more control over how they manage their financial lives.”

Chase Secure Banking customers say they save an average of $50 a month on fees, compared to solutions they used before they opened their account.

Mexico agrees to take Venezuelan migrants expelled from US

Newly expelled Venezuelans ‘want answers and we don’t know what to tell them,’ a Matamoros shelter director said

by Mexico News Daily

 

The United States has begun expelling Venezulean migrants to Mexico after the neighboring countries reached a new immigration agreement earlier this week.

The U.S. Department of Homeland Security (DHS) announced Wednesday that “effective immediately, Venezuelans who enter the United States between ports of entry, without authorization, will be returned to Mexico.”

The Associated Press and Reuters reported that expulsions of Venezuelans have already begun.

The DHS said in a statement that the “joint actions with Mexico” were designed to “reduce the number of people arriving at our southwest border and create a more orderly and safe process for people fleeing the humanitarian and economic crisis in Venezuela.”

The announcement of the deal came less than a month before midterm elections in the United States at which the Democratic Party – portrayed as being weak on immigration by its rivals – runs the risk of losing control of Congress.

The DHS said Wednesday that “almost four times as many Venezuelans as last year attempted to cross our southern border, placing their lives in the hands of ruthless smuggling organizations.”

“…The actions the United States and Mexico are announcing today are intended to address the most acute irregular migration and help ease pressure on the cities and states receiving these individuals,” the department said.

The DHS said that the U.S. government’s “comprehensive effort to reduce the irregular migration of Venezuelans also includes a new process to lawfully and safely bring up to 24,000 qualifying Venezuelans into the United States.”

“The United States will not implement this process without Mexico keeping in place its independent but parallel effort to accept the return of Venezuelan nationals who bypass this process and attempt to enter irregularly.”

Secretary of Homeland Security Alejandro Mayorkas said that “these actions make clear that there is a lawful and orderly way for Venezuelans to enter the United States, and lawful entry is the only way.”

“Those who attempt to cross the southern border of the United States illegally will be returned to Mexico and will be ineligible for this process in the future. Those who follow the lawful process will have the opportunity to travel safely to the United States and become eligible to work here.”

The Mexican government noted in its own statement Wednesday that the United States program is for Venezuelans who arrive to that country by air rather than by crossing the land border, and that it is based on the “Uniting for Ukraine” scheme, under which Ukrainians fleeing Russia’s invasion have been able to enter the U.S. to live and work for a period of two years.

The Mexican government also said that the United States had accepted its request to “substantially increase” visas for workers from Mexican and other countries in the region, indicating that there was a precondition for its agreement to accept Venezuelans.

“The United States has announced it will grant 65,000 additional H2-B visas for temporary non-agricultural workers, of which 20,000 will be allocated to people from Central America and Haiti,” the federal government said.

With regard to the DHS announcement on expulsions, the government said it would “temporarily” allow “some people of Venezuelan nationality” to enter Mexico via the northern border.

Mexico has been accepting migrants expelled under the Donald Trump-era “Remain in Mexico” policy and the COVID-related Title 42 provision, but “Venezuelans who crossed illegally into the United States were often allowed to stay because it was difficult to send them back to Venezuela or Mexico,” Reuters reported.

Citing two unnamed U.S. officials, the news agency said that as many as 1,000 Venezuelans per day could be expelled to Mexico under the new agreement. About 300 were sent to Mexico after the deal was announced Wednesday, the sources said.

The Associated Press reported that the United States expelled Venezuelans via several border crossings on Thursday. The news agency said it was informed of the expulsions by Catholic Church shelters in the border cities of Matamoros Ciudad Juárez and Piedras Negras.

“The people are very angry, very annoyed,” said Francisco Gallardo, a priest and director of the Casa del Migrante shelter in Matamoros, where some 120 Venezuelans arrived on Thursday.

“They’re surprised, they want answers and we don’t know what to tell them,” he said.

Yadimar, a young pregnant Venezuelan woman, and her husband were expelled from El Paso to Ciudad Juárez.

“They didn’t ask us anything. They put a bracelet on us and sent us back,” she told Reuters.

“We’re on the street. We don’t even have money to pay for a place to stay.”

In Mexico City, the director of a group that assists Venezuelan migrants told Reuters that “we’ve been overwhelmed by the news” that those who are apprehended after entering the U.S. illegally will be returned to Mexico.

Lizbeth Guerrero predicted that many Venezuelans who are already in Mexico will continue to the northern border and attempt to enter the U.S. because they have nothing to return to at home, where poverty and crime are major problems.

United States data shows that over 150,000 Venezuelans were apprehended at the U.S.-Mexico border between October 2021 and August 2022, compared to just under 48,000 in the 2021 U.S. fiscal year.

Rosa María González, a National Action Party deputy who heads up the migrant affairs committee of the lower house of Mexico’s Congress, called on the U.S. government to issue more visas to Venezuelans because Mexico’s labor market can’t accommodate all those who have arrived here.

If Venezuelans can’t find a job here and can’t seek asylum in the United States they are at risk of becoming prey for violent crime gangs, she said.

“They make more money out of migration than they do from drugs,” the lawmaker said.

Affordable Connectivity Program (ACP) Enrollment

Event is Happening Saturday, October 22 to help


Residents Get Connected to Home Internet!
WHAT: Volunteers across California are stepping up and joining Get Connected! California, a
statewide outreach and awareness mobilization effort to close the Digital Divide.


Residents are invited to attend Free Affordable Connectivity Program (ACP) Enrollment event
enroll for free or lowcost Internet. Residents will also have an opportunity to win a Chromebook
when they apply for the Affordable Connectivity Program benefit.


WHO: Get Connected! California is a program of the California Emerging Technology Fund that
focuses in on increasing enrollment for the Affordable Connectivity Program (ACP), a federally
funded program with the mission to provide eligible people with free or lowcost Internet access.


WHERE:

City: Alameda, CA 94501
Location: City Hall West
Address: 950 W Square Mall
Hours: 12 AM 3 PM
City: Oakland, CA 94601
Location: Tech Exchange
Address: 2530 International Blvd
Hours: 10 AM 4 PM


City: San Francisco, CA 94102
Location: St. Anthony’s Tenderloin Tech Lab
Address: 150 Golden Gate Ave
Hours: 10 AM 1 PM


City: Calistoga, CA 94515
Location: Calistoga Library
Address: 1108 Myrtle St
Hours: 11 AM 3 PM
WHEN: Saturday, October 22, 2022
PHOTO OPS: Families enrolling in a program to get free or affordable Internet, children with
parents, and people winning a computing device in a raffle.

Abortion is a preeminent issue in midterm elections

by Fr. Shenan J. Boquet

 

Oct. 10, 2022 | – The 2022 midterm elections in the U.S. are shaping up to be the most important elections on the bioethical issues concerning the dignity of human life in living memory, specifically preborn life.

This is hardly surprising, given the Supreme Court’s decision earlier this year to reverse Roe v. Wade. So long as Roe was the law of the land, individual states were severely hampered in what laws they could pass to restrict abortion. With Roe cleared out of the way, states are now free to pass all sorts of laws protecting preborn life.

Naturally, this has galvanized people on both sides of the issue. Pro-life politicians and citizens are jumping at the opportunity to pass laws protecting more preborn children from the violence of abortion. However, on the flipside pro-abortion strategists are seeking every available opportunity to tighten, or expand, pro-abortion laws in liberal states, particularly in light of a recent report that sixty-six abortion facilities have ceased performing abortions since Roe was reversed.

As the New York Times put it in a recent analysis, with Roe gone “every election has implications for [abortion] access.” That same analysis notes that voters in at least seven states are set to vote on ballot initiatives or in governor or legislative races that could have massive implications for abortion.

 

Important Initiatives and Races

In several states, voters will have the opportunity to vote on critical ballot initiatives, some pro-abortion and some pro-life.

In California, Michigan, and Vermont, voters will be asked on whether to place the “right” to abortion, on demand, into the state constitutions.

In California, voters will vote on Proposition 1, a profoundly destructive constitutional amendment that would prohibit state legislators from passing any pro-life legislation. As the state’s official summary reads, Proposition 1 would amend the state constitution, “to expressly include an individual’s fundamental right to reproductive freedom, which includes the fundamental right to choose to have an abortion and the fundamental right to choose or refuse contraceptives.”

In summarizing the arguments against Proposition 1, the state’s voter guide website states, “Proposition 1 is an extreme law that allows late-term abortions at taxpayer expense up to the moment of birth—even if the baby is healthy and the mother’s health is not threatened. Current California law already guarantees a woman’s right to choose, making this extreme and costly proposal unnecessary.”

This is a breathtakingly extreme amendment that would make it impossible for California legislators to pass even the mildest abortion restrictions. If passed, Prop 1 would radically change health care policy by giving even more power to politicians. It poses an existential threat to untold thousands of preborn children every year.

The California Conference of Bishops, since day one, have been very vocal in their opposition to Proposition 1:

[The Conference] vehemently opposes Proposition 1 (SCA 10), which looks to enshrine the most extreme forms of abortion into the California Constitution. We believe in protecting life at every age in every stage.… Enshrining this amendment’s language into the constitution will extend the danger of coercive abortion to babies with unquestioned viability.

In response to this grave threat, the bishops are calling upon the state’s 12 million Catholics “to work to raise awareness and vigorous opposition.” Prop 1 must be defeated!

Certainly, the stakes this November couldn’t be higher. Pro-abortion Democrats and advocates for abortion are hoping to win enough seats on both state and federal levels to enshrine abortion “rights” into law, and to stop pro-life state legislatures from passing pro-life laws, or from allowing those laws to go into effect. It is critical that Catholics and committed pro-life Americans show up to the polls and volunteer their time to get out the vote for pro-life initiatives and candidates.

Lives depend on it!

Diets for weight management: Can a high-protein diet help you lose weight?

by Joanne Washburn

 

A high-protein diet is exactly what it sounds like. It’s an eating plan that emphasizes consuming larger amounts of protein than carbohydrates, which generally make up about 45 to 65 percent of your daily calorie intake.

Protein is an important building block of your bones, muscles, cartilage, skin and blood. Therefore, you need to consume large amounts of protein to stay healthy. Protein also supports healthy muscle recovery, ensures healthy immune function and helps maintain good gut health, among other benefits.

Recently, health enthusiasts have been looking into protein for its potential role in weight loss. Previous studies show that protein can make it easier for you to curb your appetite because it can keep you feeling full for longer. As such, protein could help you lose weight or maintain a healthy weight.

Read on to learn more about how a high-protein diet can aid in weight loss.

A high-protein diet for weight loss

There are no hard and fast rules as to what goes into a high-protein diet. Generally, it includes different protein sources like beef, lean pork, poultry, fish, seafood, dairy products, eggs and healthy oils. A high-protein diet also usually restricts carbohydrates, such as bread, pasta, rice, lentils and starchy fruits and vegetables.

A high-protein diet can help you lose weight in many ways. For starters, protein affects levels of certain hormones that influence how full you feel after eating, like ghrelin and glucagon-like peptide 1 (GLP-1). Ghrelin is the hormone that triggers hunger, while GLP-1 is an appetite-reducing hormone.

With protein, your body also burns more calories, For example, if you eat 100 calories of protein, your body will burn 2o to 30 percent of those calories while processing the protein. But if you eat 100 calories of carbohydrates, your body will only burn five to 10 percent of those calories while processing the carbohydrates.

In addition, high protein intake can speed up your metabolism, making you burn more calories even during sleep.

To put it simply, you can lose weight on a high-protein diet. But there’s a caveat. According to experts, the main issue with high-protein diets is they usually restrict carbohydrates, even the healthy ones.

If you don’t get enough carbohydrates, your blood sugar levels could drop to below the normal range. This may cause you to feel hungrier, prompting snacking or overeating. You could end up gaining weight instead of losing it.

Most foods high in carbohydrates are also rich in soluble and insoluble fiber. Soluble fiber dissolves in water. It is transformed into a gel-like substance, which blocks fats that would otherwise be digested and absorbed.

Insoluble fiber, on the other hand, is the indigestible material that attracts water to your stool, making it easier to pass. As such, insoluble fiber helps prevent gastrointestinal blockage and constipation, among other digestive issues.

If you don’t get enough fiber because you’re too busy focusing on protein, it could lead to serious health problems, such as colon cancer and high blood sugar and cholesterol levels.

Some studies also found that a high-protein diet can put stress on your kidneys and cause dehydration. A high-protein diet that includes fatty cuts of meat can also raise your risk of heart disease and other chronic diseases.

If you plan to go on a high-protein diet, make sure to include lean sources of protein and healthy carbohydrates like whole grains, beans and sweet potatoes. Don’t forget about your vegetables, too.

Request for Proposals at Peralta Community College District

The Peralta Community College District (PCCD) is seeking proposals from qualified firms to provide Geotech & CEQA Services, 2118 Milvia Street, Berkeley City College  West(RFP No. 22-23/06).  Proposals are to be delivered to the Purchasing Department, 501 5th Avenue, Oakland, CA 94606 or electronically (via Vendor Registry), until 4:00 P.M. on October 26, 2022.

The project involves the demolition of an existing three story building and the construction of a new six story 60,000 sq. ft. building.

A Mandatory Pre-proposal video conference meeting will be held on October 17, 2022 at 11:00A.M. via Zoom: Conference Meeting ID 884 0214 0248. Register in advance here:
https://peralta-edu.zoom.us/meeting/register/tZwpd-upqjsoHtyNUVZNy9HcNw5Dp4uAhcF_

After registering, you will receive a confirmation email containing information about joining the meeting.

Copies of the pre-proposal documents may be obtained by clicking on the following link: https://vrapp.vendorregistry.com/Bids/View/BidsList?BuyerId=4d041f6c-7568-4c8a-8878-c82684292a3c  or, by contacting the Peralta Community College District, Purchasing Department, 501 5th Avenue, Oakland, California, 94606, Phone (510) 466-7225, Office Hours: 8:30 a.m. to 4:30 p.m.

Governing Codes:

GC 53068

EC 81641                                                        El Reportero 10.14.22

California is a hotspot for catalytic converter theft. Will new laws make a difference?

by Grace Gedye

 

October 13, 2022 – A disproportionate share of catalytic converter thefts happen in California. Here’s what lawmakers are trying to do about it, and why one law-enforcement backed approach didn’t make it out of Sacramento

A beam of light glints beneath Isaac Agyeman’s 2009 Prius, parked outside his Temecula home early one August morning.  One person is under the hatchback, another by its side and a third is stationed nearby. After a few mechanical roars and a quick scoot out from under the car, all three hurry away.

It was the second time Agyeman’s catalytic converter — which scrubs a car’s emissions to make them less toxic and contains precious metals —  had been stolen. This time, he caught the whole thing on camera.

“I was upset. I was really frustrated,” he said. He filed a police report, sent them the footage and called his insurance company. On top of everything, it was his birthday.

Agyeman paid $500 for the repair and his insurance covered the rest. He forked over another $150 to get a protective gate installed over his converter, hoping to deter future would-be thieves, and between $6,000 to $8,000 on an upgraded home security system, he estimates. As of September, he still hadn’t heard anything from the police, he said.

Catalytic converter theft has spiked across the country in recent years, from 1,298 reported thefts in 2018 to 52,206 in 2021, according to claims data from the National Insurance Crime Bureau. The bureau sampled member company claims data to identify catalytic converter theft trends, and a spokesperson wrote in a statement that the numbers don’t represent all thefts.

California hasn’t been immune.

Nationally, 37 percent of catalytic converter theft claims tracked by the bureau in 2021 were in the Golden State — a disproportionate share, even accounting for California’s large population.

About 1,600 are stolen per month in California, per a 2021 presentation from the state’s Bureau of Automotive Repair. Hondas and Toyotas, particularly older Priuses, are most often targeted, according to claims data provided by the AAA Automobile Club of Southern California. Hybrids have two converters and the parts tend to get less wear, making them more valuable, according to the National Insurance Crime Bureau. Thieves sell the converters, which can be removed in minutes with an electric saw, for $50 to $250, the bureau wrote in a statement.

Catalytic converter theft is hard to investigate

Folks all over the state have suffered.

This summer, police recovered 112 converters and arrested 28 people in the Inland Empire. In September, four marked San Francisco Police Department vehicles were relieved of their converters.

In April, staff at Yolo Food Bank in Woodland realized a catalytic converter had been stolen from a Prius they use to make small deliveries. Staff used their own cars to drop off food while the Prius was out of commission, said Maria Segoviano, director of marketing communications at the food bank.

The organization paid about $400 for a shield to protect the converter and began parking the car inside its warehouse. And, because this wasn’t the first time they’d had someone break through a wire fence to get to their parking lot, they decided to invest in an heavy-duty, 8-foot fence.

It set them back $69,200 — which translates to about 81,000 pounds of fruit and vegetables, Segoviano said.

“Catalytic converters obviously have been around forever, and they’ve been getting stolen forever, but never this bad,” said Jared Cabrera, a service writer at Art’s Automotive in Berkeley.

Before the pandemic, it was almost unheard of, he said. Now he estimates he sees four or five cars a week that have had their converters stolen.

The value of the precious metals in converters, particularly rhodium, has skyrocketed since late 2019, potentially driving the surge in theft. Rhodium is currently valued around $14,000 per troy ounce, about eight times the current price of gold.

“It’s so incredibly difficult to investigate these cases, to charge them, and to hold anybody accountable,” said Tamar Tokat, a Los Angeles County deputy district attorney.

It’s rare that people are caught by police while they’re taking the converter, since it happens so quickly. And if law enforcement finds someone with hundreds of converters, it might be suspicious but, said Tokat, because converters are unmarked, they can’t be traced back to a particular car.

“How can we disprove a claim that it came from a junkyard, or disprove a claim that they [were] given it by some other auto mechanic?” said Greg Totten, CEO of the California District Attorneys Association. It’s very difficult under those circumstances to prove to a jury of 12 — beyond a reasonable doubt — that it was stolen, he said.

States take action

Lawmakers across the country have scrambled to curb the catalytic converter crime spree.

Amanda Essex of the National Conference of State Legislatures said remedies have mainly fallen into three categories:

  • Regulating the sale of converters (for example, requiring more documentation).
  • Increasing or creating new criminal penalties.
  • Labeling the converters in some way so they can be traced back to owners.

States have passed at least 37 laws, according to Essex. But the laws are so recent there’s little evidence yet which, if any, are effective.

California lawmakers also produced their own pile of 11 bills this most recent session. Many died early, but four wound their way through several layers of committees and votes. They are:

  • AB-1653, which adds theft of vehicle parts to the list of crimes the California Highway Patrol’s Regional Property Crimes Task Force should prioritize.
  • SB 1087, which limits legal sellers of catalytic converters to people who can prove it came from their own vehicle, and to businesses including licensed auto dismantlers and repair dealers. Fines for breaking the law start at $1,000, and escalate for repeat violations.
  • AB 1740, which requires people or businesses who buy catalytic converters to document the purchase by recording the year, make, model, and VIN number of the car that the converter came from.
  • SB 986, which would require car dealers to etch a car’s unique VIN number onto its catalytic converter if the converter is “readily accessible.” It would also require a traceable method of payment for converters.

The first three bills were signed into law while the fourth failed to pass a late August vote in the Assembly. That bill was sponsored by the Los Angeles district attorney’s office and was aimed at making it easier for law enforcement to investigate and prosecute catalytic converter theft.

Car dealers, who would have been tasked with etching numbers onto converters, opposed the bill. They didn’t think it would deter theft, said Brian Maas, president of the California New Car Dealers Association, and they thought it could be expensive. For cars where the catalytic converter is easy to get to, it wouldn’t take much time, he said. But for others — say, a car that has a converter attached to its engine block — the etching could cost hundreds or thousands of dollars, Maas said.

Legislators amended the bill so that it didn’t require VIN numbers if the converter wasn’t “readily accessible” and marking it “would reasonably require the significant removal or disassembly of parts of the vehicle.” But Maas said that standard wasn’t sufficiently defined, and was worried the ambiguity would lead to lawsuits against dealerships. “I can’t tell you today what ‘significant disassembly’ means. I don’t know which car that applies to,” Maas said.

“We’re concerned that our dealers are going to be held responsible for not marking a catalytic converter that ultimately might have been stolen,” he said.

The bill’s author, democratic state Senator Tom Umberg from Garden Grove, said he was “honestly shocked,” in a statement after the bill’s failure.

“I’m not surprised that the auto dealers and car manufacturers would be reluctant to take on this task to support their customers — we engaged in multiple conversations with them in the last seven months.  Frankly, I’m more surprised that the majority of the California State Assembly chose the concerns of the car dealers over the cries of help from their constituents.”

Tokat, with the Los Angeles County district attorney’s office, thinks the two laws regulating the sale of converters will be less effective without the VIN etching bill. “We’ve already had record-keeping laws on the books for many years now and they’ve really been ineffective,” she said.

Still, others see the new laws as a step in the right direction. They won’t completely “wipe out” the issue, said Amanda Gualderama, a legislative advocate with AAA. But the bill limiting who can legally sell converters, SB 1087, closes loopholes in existing laws, she said.

Will Congress step in?

Congress could also mandate that VIN numbers be etched onto converters. Under federal law, cars are already required to label several other parts, including the engine. A bill in congress would add catalytic converters to the list and create a grant program to help pay for marking existing vehicles.

“I kind of think it’s appalling that the manufacturers don’t just voluntarily put the VINs on the catalytic converters because they know they’re a huge target,” said Rosemary Shahan, president of Consumers for Auto Reliability and Safety, a consumer advocacy non-profit.

CalMatters reached out to Ford, Toyota, and Honda. Ford didn’t respond to CalMatters’ questions. Toyota also didn’t answer CalMatters’ questions, but a spokesperson said in a statement, “Catalytic converter theft is an industry wide challenge … the most effective approach requires close collaboration between the broader automotive industry and local and state authorities to devise legislative solutions aimed at eliminating the market for these stolen parts.”

Honda, which didn’t answer questions, directed CalMatters to the Alliance for Automotive Innovation, an advocacy group for car manufacturers.

The Alliance did not make anyone available for an interview but said, via a statement, “Catalytic converter theft is a major problem in California and across the country… We are working closely with policymakers and law enforcement authorities on how legislation or other efforts, including increasing public awareness and enhanced penalties for unlawful possession, can help deter this kind of criminal activity.”

What’s a car owner to do?

There are steps motorists can take to reduce the odds their converter gets stolen, according to the Bureau of Automotive Repair. Parking on a well-lit street — or in a garage if you have one — helps. You can adjust your car’s alarm, to make it more likely to go off if someone tries to get under the vehicle. And there’s a whole niche market of shields, clamps, protective plates and cages that can be installed to protect converters.

But not everyone can park on a well-lit street or in a garage, and gadgets don’t guarantee protection. Cabrera, at Art’s Automotive, says he’s seen cars with theft deterrent devices still wind up with their converters stolen.

For one driver, though, a converter shield has provided security — at least so far. Greg Feldmeth, a retired teacher in Altadena, had his catalytic converter stolen four times beginning in 2020. When he got a Prius years ago, he was happy with the car and its great gas mileage.

“Since then, I’ve wondered if it was the right choice,” he said. He’s become familiar with the “horrible” noise his Prius makes when it no longer has a converter.

After the part was stolen for a fourth time in October 2021, Feldmeth had a protective shield installed. His converter has stayed put since.

California is a hotspot for catalytic converter theft. Will new laws make a difference?

by Grace Gedye

CalMatters

October 13, 2022 – A disproportionate share of catalytic converter thefts happen in California. Here’s what lawmakers are trying to do about it, and why one law-enforcement backed approach didn’t make it out of Sacramento

A beam of light glints beneath Isaac Agyeman’s 2009 Prius, parked outside his Temecula home early one August morning.  One person is under the hatchback, another by its side and a third is stationed nearby. After a few mechanical roars and a quick scoot out from under the car, all three hurry away.

It was the second time Agyeman’s catalytic converter — which scrubs a car’s emissions to make them less toxic and contains precious metals —  had been stolen. This time, he caught the whole thing on camera.

“I was upset. I was really frustrated,” he said. He filed a police report, sent them the footage and called his insurance company. On top of everything, it was his birthday.

Agyeman paid $500 for the repair and his insurance covered the rest. He forked over another $150 to get a protective gate installed over his converter, hoping to deter future would-be thieves, and between $6,000 to $8,000 on an upgraded home security system, he estimates. As of September, he still hadn’t heard anything from the police, he said.

Catalytic converter theft has spiked across the country in recent years, from 1,298 reported thefts in 2018 to 52,206 in 2021, according to claims data from the National Insurance Crime Bureau. The bureau sampled member company claims data to identify catalytic converter theft trends, and a spokesperson wrote in a statement that the numbers don’t represent all thefts.

California hasn’t been immune.

Nationally, 37% of catalytic converter theft claims tracked by the bureau in 2021 were in the Golden State — a disproportionate share, even accounting for California’s large population.

About 1,600 are stolen per month in California, per a 2021 presentation from the state’s Bureau of Automotive Repair. Hondas and Toyotas, particularly older Priuses, are most often targeted, according to claims data provided by the AAA Automobile Club of Southern California. Hybrids have two converters and the parts tend to get less wear, making them more valuable, according to the National Insurance Crime Bureau. Thieves sell the converters, which can be removed in minutes with an electric saw, for $50 to $250, the bureau wrote in a statement.

Catalytic converter theft is hard to investigate

Folks all over the state have suffered.

This summer, police recovered 112 converters and arrested 28 people in the Inland Empire. In September, four marked San Francisco Police Department vehicles were relieved of their converters.

In April, staff at Yolo Food Bank in Woodland realized a catalytic converter had been stolen from a Prius they use to make small deliveries. Staff used their own cars to drop off food while the Prius was out of commission, said Maria Segoviano, director of marketing communications at the food bank.

The organization paid about $400 for a shield to protect the converter and began parking the car inside its warehouse. And, because this wasn’t the first time they’d had someone break through a wire fence to get to their parking lot, they decided to invest in an heavy-duty, 8-foot fence.

It set them back $69,200 — which translates to about 81,000 pounds of fruit and vegetables, Segoviano said.

“Catalytic converters obviously have been around forever, and they’ve been getting stolen forever, but never this bad,” said Jared Cabrera, a service writer at Art’s Automotive in Berkeley.

Before the pandemic, it was almost unheard of, he said. Now he estimates he sees four or five cars a week that have had their converters stolen.

The value of the precious metals in converters, particularly rhodium, has skyrocketed since late 2019, potentially driving the surge in theft. Rhodium is currently valued around $14,000 per troy ounce, about eight times the current price of gold.

“It’s so incredibly difficult to investigate these cases, to charge them, and to hold anybody accountable,” said Tamar Tokat, a Los Angeles County deputy district attorney.

It’s rare that people are caught by police while they’re taking the converter, since it happens so quickly. And if law enforcement finds someone with hundreds of converters, it might be suspicious but, said Tokat, because converters are unmarked, they can’t be traced back to a particular car.

“How can we disprove a claim that it came from a junkyard, or disprove a claim that they [were] given it by some other auto mechanic?” said Greg Totten, CEO of the California District Attorneys Association. It’s very difficult under those circumstances to prove to a jury of 12 — beyond a reasonable doubt — that it was stolen, he said.

States take action

Lawmakers across the country have scrambled to curb the catalytic converter crime spree.

Amanda Essex of the National Conference of State Legislatures said remedies have mainly fallen into three categories:

  • Regulating the sale of converters (for example, requiring more documentation).
  • Increasing or creating new criminal penalties.
  • Labeling the converters in some way so they can be traced back to owners.

States have passed at least 37 laws, according to Essex. But the laws are so recent there’s little evidence yet which, if any, are effective.

California lawmakers also produced their own pile of 11 bills this most recent session. Many died early, but four wound their way through several layers of committees and votes. They are:

  • AB-1653, which adds theft of vehicle parts to the list of crimes the California Highway Patrol’s Regional Property Crimes Task Force should prioritize.
  • SB 1087, which limits legal sellers of catalytic converters to people who can prove it came from their own vehicle, and to businesses including licensed auto dismantlers and repair dealers. Fines for breaking the law start at $1,000, and escalate for repeat violations.
  • AB 1740, which requires people or businesses who buy catalytic converters to document the purchase by recording the year, make, model, and VIN number of the car that the converter came from.
  • SB 986, which would require car dealers to etch a car’s unique VIN number onto its catalytic converter if the converter is “readily accessible.” It would also require a traceable method of payment for converters.

The first three bills were signed into law while the fourth failed to pass a late August vote in the Assembly. That bill was sponsored by the Los Angeles district attorney’s office and was aimed at making it easier for law enforcement to investigate and prosecute catalytic converter theft.

Car dealers, who would have been tasked with etching numbers onto converters, opposed the bill. They didn’t think it would deter theft, said Brian Maas, president of the California New Car Dealers Association, and they thought it could be expensive. For cars where the catalytic converter is easy to get to, it wouldn’t take much time, he said. But for others — say, a car that has a converter attached to its engine block — the etching could cost hundreds or thousands of dollars, Maas said.

Legislators amended the bill so that it didn’t require VIN numbers if the converter wasn’t “readily accessible” and marking it “would reasonably require the significant removal or disassembly of parts of the vehicle.” But Maas said that standard wasn’t sufficiently defined, and was worried the ambiguity would lead to lawsuits against dealerships. “I can’t tell you today what ‘significant disassembly’ means. I don’t know which car that applies to,” Maas said.

“We’re concerned that our dealers are going to be held responsible for not marking a catalytic converter that ultimately might have been stolen,” he said.

The bill’s author, democratic state Senator Tom Umberg from Garden Grove, said he was “honestly shocked,” in a statement after the bill’s failure.

“I’m not surprised that the auto dealers and car manufacturers would be reluctant to take on this task to support their customers — we engaged in multiple conversations with them in the last seven months.  Frankly, I’m more surprised that the majority of the California State Assembly chose the concerns of the car dealers over the cries of help from their constituents.”

Tokat, with the Los Angeles County district attorney’s office, thinks the two laws regulating the sale of converters will be less effective without the VIN etching bill. “We’ve already had record-keeping laws on the books for many years now and they’ve really been ineffective,” she said.

Still, others see the new laws as a step in the right direction. They won’t completely “wipe out” the issue, said Amanda Gualderama, a legislative advocate with AAA. But the bill limiting who can legally sell converters, SB 1087, closes loopholes in existing laws, she said.

Will Congress step in?

Congress could also mandate that VIN numbers be etched onto converters. Under federal law, cars are already required to label several other parts, including the engine. A bill in congress would add catalytic converters to the list and create a grant program to help pay for marking existing vehicles.

“I kind of think it’s appalling that the manufacturers don’t just voluntarily put the VINs on the catalytic converters because they know they’re a huge target,” said Rosemary Shahan, president of Consumers for Auto Reliability and Safety, a consumer advocacy non-profit.

CalMatters reached out to Ford, Toyota, and Honda. Ford didn’t respond to CalMatters’ questions. Toyota also didn’t answer CalMatters’ questions, but a spokesperson said in a statement, “Catalytic converter theft is an industry wide challenge … the most effective approach requires close collaboration between the broader automotive industry and local and state authorities to devise legislative solutions aimed at eliminating the market for these stolen parts.”

Honda, which didn’t answer questions, directed CalMatters to the Alliance for Automotive Innovation, an advocacy group for car manufacturers.

The Alliance did not make anyone available for an interview but said, via a statement, “Catalytic converter theft is a major problem in California and across the country… We are working closely with policymakers and law enforcement authorities on how legislation or other efforts, including increasing public awareness and enhanced penalties for unlawful possession, can help deter this kind of criminal activity.”

What’s a car owner to do?

There are steps motorists can take to reduce the odds their converter gets stolen, according to the Bureau of Automotive Repair. Parking on a well-lit street — or in a garage if you have one — helps. You can adjust your car’s alarm, to make it more likely to go off if someone tries to get under the vehicle. And there’s a whole niche market of shields, clamps, protective plates and cages that can be installed to protect converters.

But not everyone can park on a well-lit street or in a garage, and gadgets don’t guarantee protection. Cabrera, at Art’s Automotive, says he’s seen cars with theft deterrent devices still wind up with their converters stolen.

For one driver, though, a converter shield has provided security — at least so far. Greg Feldmeth, a retired teacher in Altadena, had his catalytic converter stolen four times beginning in 2020. When he got a Prius years ago, he was happy with the car and its great gas mileage.

“Since then, I’ve wondered if it was the right choice,” he said. He’s become familiar with the “horrible” noise his Prius makes when it no longer has a converter.

After the part was stolen for a fourth time in October 2021, Feldmeth had a protective shield installed. His converter has stayed put since.

THE ECONOMIC POWER OF HISPANICS AND LATINOS  

What we should learn and do to secure their growth

Sponsored content from JPMorgan Chase & Co.

 

Silvana Montenegro

You don’t have to look too far to see the impact Hispanics and Latinos have on the U.S. economy. Comprising over 20% of the U.S. population, Hispanics and Latinos contribute $2.7 trillion in GDP to the economy and hold $1.9 trillion in purchasing power, up 212% over the last decade

Put simply – if the Latino and Hispanic community in the U.S. stood as a standalone economy, it would be the seventh largest economy in the world.

To mark Hispanic Heritage Month, we sat down with Silvana Montenegro, Global Head of Advancing Hispanics & Latinos at JPMorgan Chase, to discuss the many contributions of Latinos to the American economy and how JPMorgan Chase is helping the community expand its growth opportunities.

What inspires you to do this work?

MONTENEGRO: I was born and raised in São Paulo, Brazil. From an early age, my father and grandmother taught me the importance of hard work, curiosity and creating a world that is fairer for all. They instilled in me the values that have defined my career, including the importance of education and the value of lifting others. Supporting our communities through our Advancing Hispanics & Latinos work at JPMorgan Chase is a passion for me. Every day, I wake up with a strong sense of responsibility to get things done for our communities.

What are some opportunities facing Hispanic and Latino communities?

MONTENEGRO: It’s crucial to continue to tell the community’s full story: we are major contributors to the nation’s economy and the youngest demographic. While we recognize our power and influence, it is important that we tell a positive story. All told, Hispanic entrepreneurs are the fastest growing business segment in the country. We represent nearly one-quarter of all U.S. businesses and grew 140% over the last decade. Hispanic business owners – all 4.37 million– have fueled a tremendous amount of growth. People often associate our communities with headwinds and economic challenges. But when we make assumptions about what’s possible within a community, we miss the opportunity to build together, grow our family wealth and expand economic opportunities in the neighborhoods where we live and work.

Tell us more about the program you lead?

MONTENEGRO: Through our Advancing Hispanics & Latinos program, we are committed to driving meaningful and sustainable change for our communities by focusing on four key areas: careers and skills, financial health and wealth creation, business growth and entrepreneurship and community development.

As a firm, JPMorgan Chase has committed $30 billion by the end of 2025 to help address the racial wealth gap and break down systemic barriers. This investment empowers us to support and elevate our communities’ potential and promote a pathway to homeownership, affordable housing, entrepreneurship and more.

Access to capital is the biggest challenge for Hispanic and Latino-owned businesses. How can we change this?

MONTENEGRO: The biggest challenge for most Latino-owned businesses is access to capital. While non-profit accelerators like Accion Opportunity Fund – funded in part by JPMorgan Chase – are making strides to fund diverse businesses before you’re eligible for conventional financing, it’s important for Hispanic and Latino business owners to connect with a business expert to get advice. They can make sure you’re leveraging the right tools to manage cash flow, navigate supply chain disruptions, and complete the loan application process.

How is JPMorgan Chase advancing career growth for Hispanic and Latino talent?

MONTENEGRO: JPMorgan Chase is expanding external partnerships and recruiting efforts while developing resources that promote career advancement and mobility. We’re also working with Hispanic Serving Institutions (HSIs) and organizations to deepen college campus relationships, increase student internships and empower future community leaders. We are also launching an internal mentorship program for mid-level professionals to help Hispanic employees connect with colleagues and get meaningful advice on how to progress in their careers.

What other resources does JPMorgan Chase have available to support Hispanic and Latino communities?

MONTENEGRO: This year, we launched the Advancing Hispanics & Latinos Fellowship Program. This program gives students hands-on experience, mentorship and a project-based curriculum to create future opportunities. This summer, we welcomed nearly 200 college sophomores for a six-week program to gain experience for their future careers in banking and finance. We are excited about this program’s impact.

We focus on Hispanic and Latino students by partnering with select student organizations including The Hispanic Scholarship Fund to support scholarship and career development opportunities. Through these partnerships, our senior leaders get to connect with students, share their career experiences and recruit new top talent to the firm. We’re also working with recruiters to bring more Latino mid-level and senior leaders to JPMorgan Chase.

All told, this work empowers Hispanics and Latinos to embrace our differences as strengths, not as barriers. There is so much potential in our communities, and we can find power in that potential to create important economic opportunities.

Visit [link] for more information about how JPMorgan Chase is driving meaningful and sustainable change for Hispanics and Latino communities.

Husband and wife working in home office

The Prosecutor’s Office of Peru files a constitutional complaint against President Pedro Castillo

by the El Reportero wire services

Via RT

 

The head of the Public Ministry, Patricia Benavídes, presented an accusation before Congress for the alleged crimes of criminal organization, influence peddling and aggravated collusion.

The Public Ministry of Peru presented this Tuesday a constitutional complaint against President Pedro Castillo before the National Congress, for alleged acts of corruption that are being investigated in the framework of the Puente Tarata III and Petroperú cases.

The nation’s prosecutor, Patricia Benavides, charges Castillo with the alleged crimes of criminal organization and influence peddling in the first case, and aggravated collusion and aggravated influence peddling in the second.

The complaint also targets former ministers Juan Silva (Transport and Communications) and Geiner Alvarado (Housing, Construction and Sanitation).

Peru’s prosecutor’s office raided the homes of legislators, officials and friends and the sister of President Pedro Castillo on Tuesday amid investigations into cases of alleged corruption in the government.

A team of prosecutors, together with the judicial police, began the operation in Lima and other cities in the country “for the alleged crime of criminal organization,” one of the investigations in which leftist president Castillo is involved.

The investigation known as Puente Tarata III investigates alleged acts of corruption in the public tender for the construction of the Tarata vehicular bridge over the Huallaga River, in the province of Mariscal Cáceres.

This infrastructure work was convened by Provías Descentralizado, an executing unit of the Ministry of Transport and Communications, and was awarded to the Puente Tarata III Consortium, made up of the companies Tableros y Puentes, from Spain, H. B. Metallic Structures and Termirex, from China.

In the PetroPerú case, it is being investigated whether the Peruvian head of state would have received bribes to appoint Hugo Chávez Arévalo as general manager of the state oil company in October 2021.

“New type of coup d’état”

Hours after the constitutional complaint against him was made public, Pedro Castillo, together with the head of the Ministerial Cabinet and ministers, asserted that “the execution of a new form of coup d’état has begun in Peru.”

He also denied the accusations against him. “Today a constitutional accusation is being made knowing that the Constitution itself gives the Government prerogatives to lead the country,” he said at a conference with the international press.

In addition, he condemned the persecution not only of “political leaders” but also of those closest to “those who perform functions in this government.” “They are not going to intimidate us. We are stronger than ever,” he added.

The president denied that he is going to request political asylum or leave the nation. “I am not going to leave the country and, as we have always said, we submit to all kinds of investigation, they have done it in the family environment, they are doing it in the ministerial environment because we know that there is no real foundation,” he declared. .

An “abusive act”

“Today, there are constitutional complaints, persecution, and they don’t mind messing with your own mother. But here I am, and if my blood has to run down the street for the benefit of this town, I have to do it, and if I have to deliver I’m going to do it with life,” Castillo said during a meeting with representatives of the National Coordinator of Workers CAS COVID.

Earlier, the president described the raid by the Prosecutor’s Office on the house of his sister Gloria Castillo Terrones as an “abusive act”, and accused the institution of putting the health of his mother, Mavila Terrones, at risk. address at the time of the operation.