SEATTLE -- There's been a massive amount of consumer spending over the holidays this year, but it's likely that online shopping is the source of the uptick.
Online sales on Black Friday were up 22 percent in 2016 over 2015 sales, topping a record $3.3 billion. What will all the trend toward more online sales - and consumers' expectations of faster delivery times - do to America's cities?
That's where the newly created Urban Freight Lab at the University of Washington comes in. The lab's director, Barbara Ivanov, said cities still manage loading zones with an old technology: a stripe of yellow paint.
"And a lot of times when you look around, all the inventory at the curb is sitting empty,” Ivanov said; "and it could be used more efficiently, more effectively, if we actually had applied more technology to the way that piece of space, that piece of real estate, operates."
Over the next three years, the Urban Freight Lab is collaborating with Seattle's Department of Transportation - which contributed $285,000 to the lab for its research. The lab also is partnering with companies such as FedEx, Costco and Nordstrom, as well as the U.S. Postal Service.
The lab will begin its research with what it calls the "Final 50 Feet" challenge of deliveries. This includes everything from ensuring packages are secure from "porch pirates" to the many facets of commercial deliveries.
Ivanov said if she could start over with the design of a city, she would make sure the city had good alleyways.
"You don't want all this going on, this sort of commercial activity, through the front door of a retail center,” she said. "You want it out of sight, you want more of an environment at the street level that's really friendly to pedestrians and other folks out doing their shopping and going to the office."
E-commerce is likely to continue to rise across the country in the coming years. An online UPS study this summer found that, for the first time, respondents bought more than half of their goods online.
Seattle is home to Amazon, which accounts for the largest slice of online shopping sales.
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This session, Minnesota lawmakers are expected to take a strong look at preventing more fraud attempts against state government. Meanwhile, consumer advocates hope they do not forget about separate scams increasingly targeting everyday citizens.
Organizations such as AARP said consumer fraud has reached a crisis point, with federal data showing U.S. consumers reported losing more than $10 billion to fraud in 2023, a record high.
Cathy McLeer, state director of AARP Minnesota, said in a digital world, it is getting harder for authorities to clamp down on the threats and give people an avenue to recoup what they lost.
"In many cases, these are bad actors who are overseas," McLeer explained. "You can't track them down. And it's very, very difficult for anyone who has been defrauded to get even some of those resources back."
McLeer pointed out such situations can be especially harder on older adults because their life savings can quickly evaporate.
A proposed bill would create a state-managed restitution fund, where proceeds from civil penalties would be redirected and awarded to fraud victims having trouble getting their money back. The bill is sponsored by lawmakers in both parties but it is unclear whether it will gain traction amid other priorities.
A key provision in the bill said Minnesota's attorney general has to bring a case against the scammers and obtain a court order. McLeer argued the extra tool might prompt more people falling prey to fraud to speak up.
"We also know that so much fraud is underreported," McLeer observed. "We believe that having a Consumer Fraud Restitution Fund would provide the incentive for more individuals to report financial crimes, frauds and scams when they happen."
A handful of other states have created similar funds, including North Dakota in 2023. Meanwhile, AARP Minnesota will host an online discussion on the topic Thursday at 10 a.m. CT. The public is invited to take part.
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Military borrowers pay higher costs and face greater financial risks than civilian borrowers when taking out credit to buy a car - according to a new report from the Consumer Financial Protection Bureau.
The report found service members tend to borrow larger sums, at higher interest rates over longer terms.
Rosemary Shahan, president of the Sacramento-based nonprofit Consumers for Auto Reliability and Safety, said yo-yo scams are common - where the victim signs an initial contract on good terms but then the dealer claims the financing fell through.
"And then they say, 'If you don't agree to sign this other contract where we're charging you for a lot of worthless add-ons you don't really want and a higher interest rate,'" said Shahan, "'then we'll report the vehicle stolen, and you'll be in trouble with your command, and it'll ruin your career.' "
The report finds many service members are young and far from family members who might help them negotiate a large purchase.
Last year under former President Joe Biden, the Federal Trade Commission finalized the CARS rule, which would combat dishonest sales tactics. Automakers sued and last month a federal judge put it on hold.
Shahan said the CARS rule would require dealers to tell you the price up front before you even go to the lot.
"It also has additional protections for military service members," said Shahan. "It prohibits car dealers from representing that they're somehow affiliated with the military, or have been approved by the military when that's not true, and would also require them to be more honest about the price of the add-ons and actually get your affirmative approval before adding them."
The Federal Trade Commission under the Trump administration will now have to decide whether to stand behind the rule and fight for it in court, or withdraw it.
Disclosure: Consumers for Auto Reliability and Safety Foundation contributes to our fund for reporting on Consumer Issues, Environmental Justice, Social Justice. If you would like to help support news in the public interest,
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Tax season is in full swing and locations are available across Idaho to assist people with preparing their returns.
The AARP Foundation's Tax-Aide program offers in-person help to people with low and moderate incomes. They don't have to be AARP members.
There are 27 sites available across the Gem State. Tax-aide State Coordinator for AARP Idaho, Karen Cummings, said the program can help people get back money they didn't know they were owed.
"It saves a lot of money and it refunds a lot of money from the IRS," said Cummings. "Some people wouldn't normally, maybe even go get a paid preparer, because it wouldn't be worth their time if they don't have a filing requirement. So, we help a lot of people."
Because filing taxes primarily involves computers now, Cummings said the tax-aide program is especially helpful for people who aren't very computer literate.
Last year in Idaho, volunteers filed more than 14,500 federal returns and nearly 14,000 state returns, with refunds totaling $16.7 million.
Cummings also noted that everyone involved gains something from the experience.
"We both benefit," said Cummings. "Both the volunteers feel good about helping the community and the community is extremely grateful that we're there to help them out."
Volunteers for the program pass IRS-certified tests. The program can help in most cases, although not complex ones.
Most sites will assist people through April 15.
Disclosure: AARP Idaho contributes to our fund for reporting on Consumer Issues, Energy Policy, Health Issues, Senior Issues. If you would like to help support news in the public interest,
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