April 25, 2024

Media Decoder: Readers to Write Most Ladies’ Home Journal Articles

Diane Malloy is the publisher of Ladies' Home Journal.Bryan McCayDiane Malloy is the publisher of Ladies’ Home Journal.

While women’s service magazines have long relied on readers to contribute content, from first-person accounts to recipes, Ladies’ Home Journal is taking that strategy to new lengths: beginning with the March issue, it will allow readers to produce the majority of its articles.

The 128-year-old magazine, with an average paid circulation of 3.2 million, would be the first major mass-market magazine to draw on user-generated content for most of its pages. It has proved to be a winning formula for other specialty magazines, including Taste of Home, where readers share recipes and food preparation tips. Ladies’ Home Journal will also introduce a new look.

To find amateur writers, the magazine’s editors are looking for contributions across the Web, including on its own Web site, its Facebook page and DivineCaroline.com, which is also owned by the Meredith Corporation and intended to gather stories from women on topics from parenting to beauty.

“We are marrying the authority of print to the authenticity of experience,” said Diane Malloy, who took over as publisher of the magazine in the fall. “We will have real women and their life experiences.”

Ms. Malloy said the approach came about after research showed the magazine’s readers wanted more of their voices reflected in the content and to feel as if they belonged to a community.

“It is reflective of real life,” Ms. Malloy said. “When you have a health issue or a sticky situation, you are likely to reach out to your community, your sister, your friend, your neighbor, your church.”

While most of the content will be user-generated, editors will continue to check facts in articles. Contributors will be paid the usual standard professional rates. And professional experts will also continue to provide advice, often alongside first-person accounts.

In an article for the March issue, for example, a woman describes her experience after discovering a lump in her breast. Running alongside the first-person account is a column by a health expert with advice on battling breast cancer.

Ellen Levine, editorial director of Hearst Magazines with women’s service titles that include Good Housekeeping, Woman’s Day and Seventeen, said that listening to readers and including their voices has long been a part of every magazine editor’s job. “Inviting your readers in and learning from them is what keeps you relevant,” she said.

But will this new editorial-content model aimed at building a community help fend off a decline in advertising revenue?

“Ladies’ Home Journal has always been about the empowerment of women,” said Robin Steinberg, executive vice president for publishing investment at Mediavest, the advertising agency. “This is a natural evolution of the brand based on the socialization of content. This platform and approach allows women to participate and contribute using modern technology and tools.”

Article source: http://feeds.nytimes.com/click.phdo?i=5312bc5a5ab7e0e16ec06212e808ead2

The Haggler: A Cellphone Theft, and a $25,000 Phone Bill

During a recent visit to the Omni Shoreham in Washington, the Haggler was awakened by the blast of a neighbor leaving his room at 6 a.m. And the racket never ceased, because at hotels — surprise! — people enter and exit rooms throughout the day and night.

A bit of research shows that hotel doors slam shut in part because they’re cheap to install and in part because of liability concerns. Owners worry that the doors won’t fully close, which could lead to thefts and other crimes, which could lead to lawsuits.

But, obviously, a mechanism exists that closes a door fully and quietly. The Haggler encountered it this summer at the Hyatt Regency in Albuquerque. The question is why these mechanisms aren’t far more common.

Remember when lousy mattresses were the norm in hotels? Then, in the late 1990’s, some hotels started upgrading their mattresses and boasting about them, as a way to stand apart from the competition. (Westin Hotels and Resorts was a pioneer, with its “Heavenly Bed.”) A few years later, good mattresses were the norm.

You know what we need now? A door war. The Haggler wants to see hotels swap out their wretched clangers for quiet doors, and pronto. By all means, give them goofy, trademarked names, like the “Dream Latch” or the “Shhhhh Lock.” The first to take up this challenge will be hailed as a corporate hero in this space.

O.K., on to our letter, which has nothing to do with doors:

Q. I was in South Africa in May and was assaulted by three people in Johannesburg who took my phone and other valuables. The next day, which was May 2, I filed a police report and, when I arrived back in the United States, I closed the account at the first available opportunity, which was May 4.

I’ve had a $39.99-a-month plan with T-Mobile for years. My bill for that month was $25,571.14. I told T-Mobile that I was mugged, and faxed an affidavit of the police report. I got some follow-up calls, but none of the callers knew the history of the case. The departments that were supposed to get back to me never did, and whenever I called T-Mobile to follow up, I was told that the concerned departments would call soon. That did not happen. Now T-Mobile has transferred the bill to a collections agency. Neither T-Mobile nor the agency has disputed my evidence, but they continue to harass me. Can you help? Hasham Mahmood

Washington

A. Let’s get to the most blazing question: How does anyone, thieves included, rack up $25,000 worth of cellphone charges in just three days?

Mr. Mahmood e-mailed his bill. What you see is that somehow a call would begin at, say, 5:08 p.m. and last for 21 minutes. A minute later, at 5:09, a new call would begin and last for 25 minutes. In one half-hour period on May 1, a dozen different calls were placed within 20 minutes, at a total cost of hundreds of dollars.

A rep from T-Mobile explained this mystery with two words: conference calling. Further elucidation was not forthcoming.

This is a timely topic because, two weeks ago, the Federal Communications Commission and wireless carriers agreed that within a year, carriers would start sending alerts to customers who are nearing their monthly limit for voice, text and data services. But even if that system were in place, it would not have helped in the peculiar circumstances encountered by Mr. Mahmood.

Now, there was a three-day lag between the theft of his phone and his close-my-account request. Mr. Mahmood, who works for the World Bank, explains that he didn’t know how to dial T-Mobile’s support number from South Africa and that he was busy flying home for much of the time that calls were being logged.

The Haggler thinks that he should have found a way to send up a semaphore signal to T-Mobile, perhaps via the Internet, while in South Africa. But here is the question for T-Mobile: When an account goes from $39.99 a month to $25,000 in three days, isn’t there some monitoring system that shuts the phone down, whether or not the owner calls?

There is, says Michelle Taylerson, the T-Mobile spokeswoman. And it actually shut down the phone on May 3, before Mr. Mahmood called to unplug his account.

So why did it take two days of multiple conference calls before that system kicked in? The company’s “Care Team” explained in an e-mail that  “typically it takes several days for a foreign carrier to transmit usage records back to us, so there was some delay in obtaining the records.”

O.K. Let’s stipulate that Mr. Mahmood’s situation is the sort of hard case that makes bad law, as lawyers say. And there were failures on both sides here. (The Haggler’s biggest criticism of T-Mobile is the cold shoulder it gave a customer with a legitimate beef about a budget-crushing bill.)

Should Mr. Mahmood nonetheless be on the hook for calls he did not make? T-Mobile took a second look at the matter and last week dropped its demand for $25,571.

“Our Care Team was able to re-evaluate the unusual occurrence and difficult situation Mr. Mahmood was in,” Ms. Taylerson wrote, “and therefore helped find a resolution that was beneficial for the customer.”

E-mail: haggler@nytimes.com. Keep it brief and family-friendly, and go easy on the caps-lock key. Letters may be edited for clarity and length.

Article source: http://feeds.nytimes.com/click.phdo?i=5a4f8f57ddf5bb72ad4648c2870366a7

Bucks: The Struggle to Define What We Truly Need

Carl Richards

Carl Richards is a certified financial planner in Park City, Utah. His sketches are archived here on the Bucks blog and on his personal Web site, BehaviorGap.com.

There seems to be a constant battle between what we have, what we need and what we think we want.

About a year after my wife and I had our first child, we moved into a neighborhood with homes built decades earlier. Each had two or three bedrooms. We soon noticed that when people had a third or fourth child they moved from the neighborhood in search of more space. One day I mentioned this to my next-door neighbor, who was 70 at the time, and he expressed surprise.

He and his wife had raised their five kids in one of the smallest homes on the block.

One of the most challenging personal finance issues we all face is the ever-expanding definition of “need.” Things we once considered clear luxuries have somehow becomes necessities, often without any consideration of how the change in status happened.

Cars that seemed just fine now seem old fashioned. Then there are children and their cellphones. Only a few years ago it would’ve seemed outlandish for 14-year-olds to need one at all, let alone the latest iPhone.

Achieving clarity about the difference between our needs and wants remains one of the biggest challenges in personal finance and a tremendous source of potential conflict within families. While simple in theory, the calculation is much more complex in practice.

One of the most discouraging parts of modern life seems to be this never-ending sense that we should want more. While this may not be true for everyone, it does seem like it’s become more difficult to be content with what we have. Whether it’s the media, our friends or even our family, it can be a challenge to separate real needs from wants. So here are a few of things to think about:

  • What if financial happiness is not about getting more but about wanting less?
  • What if things start out as wants and become needs not because the thing itself has changed but because our feelings about it have changed?
  • What if you can never really get enough of something that you don’t need?

From personal experience, I know that the shiny new toy I just had to have often ends up in a pile of things that I eventually need to sell on eBay. I’m not the only one that’s fighting this battle. It’s yet another example of why personal finance can be so complex. Because there’s no definitive list of the 100 things that every family must have, these end up being very personal decisions

I’ve talked about some of the ways I’ve seen people look for balance between wants and needs. They include things like sleeping on a decision overnight. My personal rule is that before I buy a book, it has to sit in my Amazon shopping cart for five days.

What have you done to help better define the difference between a want and need? And how have you focused more on being content with what you have instead of always striving for what you think you want?

Article source: http://feeds.nytimes.com/click.phdo?i=81db0383442b82088c0e7fcd964b72c2

Chicago News Cooperative: Expenses, Lender Games and Illness Added Up

A bank lent her $142,000, which covered the sale price and loan fees, and provided $20,000 to fix up the place. To Ms. Carter, it seemed as if the bank was paying her $20,000 to take the loan. She did not even have to come up with a down payment.

After the deal closed, Ms. Carter discovered the house needed structural work that would cost far more than $20,000. Then the man she married about a year after moving in received a diagnosis of late-stage cancer.

Ms. Carter soon fell behind on her mortgage. After a bank advised her that the best way to settle her mortgage debt was to evacuate and let a lender sell the house, the couple moved out. Instead, banks let the house deteriorate, and now it is an eyesore in its Englewood neighborhood — the kind of house that devastates nearby property values.

“This place is a disaster,” said a neighbor, Ernest Hearny, surveying the trash-strewn yard of the boarded-up home. “There’s nothing inside. Gangbangers got in there and got high, had sex. The odor is so bad. They took the pipes, the plumbing, everything. It started going downhill when the people moved out. ”

Ms. Carter’s story is more than an all-too-familiar tale about the ravages of predatory lending. It is also an example of why the Woodstock Institute, a nonprofit research group specializing in housing issues, just reported that Chicago’s inventory of foreclosed homes continues to be at record levels. Red tape, clogged courts, victimized borrowers and overwhelmed banks have created a glut of abandoned homes mired in a foreclosure nightmare.

The federal government and big banks have offered programs to mitigate the damage for overwhelmed borrowers.  But as Ms. Carter and her husband struggled to stay in their home they tried to tap into the tools, only to be driven to the brink of bankruptcy as their home descended into blight.      

“It was my first time buying a house by myself,” said Ms. Carter, 60. “I did a poor job. I’m telling everyone I know not to do this. I wanted a place of my own so bad that I didn’t follow the proper steps.”

Ms. Carter’s financial quagmire began when a friend in the mortgage business told her about a distressed two-flat on South Morgan. A bank had foreclosed on the property and was looking for a buyer.  

“We thought it was a good deal even though it needed repair,” said Ms. Carter, who did not hire a home inspector. She and her husband-to-be Morgan Carter, a former WVON-AM radio host and newspaper publisher, planned to live on the first floor and convert the second into rental property.

At the suggestion of a mortgage service company that is now defunct, Ms. Carter obtained the $142,000 loan from Washington Mutual Bank. (Years later, WaMu was accused by a United States Senate investigative committee of igniting a “mortgage time bomb” by making thousands of subprime loans that were destined to go bad.)

After she agreed on the price, John Ptak of the Westland Group in Crystal Lake issued an appraisal that valued the property at $142,000, a perfect match to her WaMu loan. The Westland Group’s telephone has been disconnected, and Mr. Ptak did not respond to an e-mail.

In December 2004, the couple moved in, confident that the $20,000 would cover the repair work.

“I called heating, plumbing contractors, an electrician, to come in and tell me what I had to do,” she said, “and they started telling me they didn’t know how anyone could have sold the house to me because it wasn’t up to code.” The contractors’ estimates totaled $50,000.

The couple married. Then in late 2005, Mr. Carter became ill. “He was going in and out of the hospital, and our income fell,” Ms. Carter said. She was soon missing mortgage payments.

joshea@chicagonewscoop.org

boshea@chicagonewscoop.org

Article source: http://feeds.nytimes.com/click.phdo?i=eca2d75e58e86f8260f241f6f0983505