LAKEVIEW, Ore. - Oregon's Broadband Advisory Council says 82-percent of adults in the state have Internet access at home, which is well above the national average. But in rural areas, it's a different story.

In Paisley, for instance, the local Internet provider isn't signing up new customers. And for those already connected, the system is overloaded and slow, according to Lake County Commissioner Ken Kestner. He's made it his mission to bring better online access to southern Oregon.

Kestner says the providers don't see the profit in reaching out to small towns, so there's got to be another way.

"We're looking at any options we can FCC grants, USDA grants, whatever," says Kestner. "But still, there's a lot of up-front costs small communities cannot help the private enterprise to get over that hump, to come in and provide that service."

The latest Oregon Broadband Adoption Survey says Internet connection speed and quality "vary significantly across the state," and lack of access is a major factor in central, south central and eastern Oregon, plus the Willamette Valley and the northwest coast. A new report is due November first.

A national coalition, the Rural Broadband Policy Group, wants the Federal Communications Commission (FCC) to treat Internet access like phone service, as a common carrier, what is known as a Title II service.

Whitney Kimball Coe, coordinator of the National Rural Assembly at Center for Rural Strategies, says it would help ensure all Internet users are treated equally.

"It would uphold net neutrality, first of all, and secondly it would close the 'digital divide,'" she says. "Rural America already feels like it's out of sync with that sort of American idea of equal opportunity; and in the political sector, rural America feels like it's not being heard."

The FCC currently considers Internet access a Title I service, Coe explains, with fewer regulations for Internet providers and no requirement to build in rural places. Of the 19-million Americans who don't have Internet access, more than 14-million are in rural areas.

Kestner says Lake County's challenges include inadequate online resources for schools and a link between the hospital in Lakeview and its outlying clinics. He says growing the local economy requires getting online.

"A little town is attractive to many people who would love to come to the rural environment, if they could continue their work by Internet," he says. "That's one hold-back of drawing that class of people into our community."

In the meantime, he says he'll attend every meeting he can of the Oregon Broadband Advisory Council, as an in-person reminder to make rural Oregon a priority.


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Wisconsin lawmakers recently debated reforms for payday loans. Efforts to protect consumers come amid new research about financial pain associated with cash advances offered through smartphone apps. The Center for Responsible Lending is out with findings that detail how "earned wage advances" from digital platforms come with extra costs disguised as things like tips. Traditional payday lenders are often criticized for charging excessive interest rates on loans that are usually around $500.

Lucia Constantine, a researcher with the Center for Responsible Lending, said customers are usually seeking smaller amounts from the apps, but she warns they can be just as costly.

"They are trapping consumers in a cycle of borrowing that is similar to that of a payday loan, " she said.

The report said after using these financial products, customers are seeing overdrafts on their checking accounts increase by 56% on average. Industry leaders deny they're barraging consumers with hidden fees, stressing that features such as suggested tips are optional. More broadly, a bipartisan payday loan reform bill in the Wisconsin Legislature failed to advance this month.

Constantine said like longstanding payday lenders, these cash advance apps can be hard to regulate. Meanwhile, she urged those in a bind to explore other options.

"[They should] try talking to their friends and family as a first source. The other option which I would recommend is reaching out to their credit union or banking institution to see if they can get some sort of small-dollar loan," she said.

She noted places such as credit unions typically provide more transparency on loan costs. According to the report, three-quarters of consumers took out at least one advance on the same day or day after a re-payment was posted.


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Food prices remain high, in Montana and across the country.

A new report by the Federal Trade Commission says the country's largest grocery companies are gouging consumers, by keeping prices artificially high.

Many grocers, retailers and wholesalers have consolidated to cut costs. Grocers continue to blame supply chain problems, even though regulators have said most of those issues have been resolved.

President of the advocacy group Farm Action, Angela Huffman, said retailers were doing more than making up for lost revenue during the pandemic-era supply chain disruptions - and the FTC report says they continue to do so.

"In 2021, the retailer revenues, they rose to more than 6% higher than their total costs, and that those profits are still going up," said Huffman. "So, in the first nine months of 2023, the profits increased to 7%."

At nearly 6.5%, Montana had the nation's ninth-highest grocery price increase in 2023.

The FTC data show Amazon, Kroger and WalMart each gained market share during and after the pandemic - while profits continued to rise.

Other large retailers and wholesalers have consolidated, which they say gives them more buying power and the ability to pass those savings on to customers.

Huffman said that isn't what's happening, and calls on regulators to fine the grocers, or more.

"This would be kind of the farthest extent of what they could do, but go so far as breaking them up," said Huffman. "In years past, they broke up the telephone companies and the railroads and, you know, that would be the ideal outcome for us, is to take away their excessive power."

Huffman also points to a 150% increase in egg prices in 2023, which producers blamed on the avian flu. The FTC says the disease did not justify the drastic price hike.

April is Financial Literacy Month, when the focus is on learning smart money habits but also how to protect yourself from fraud.

One problem on the rise in the Southeast is the "impostor" scam, when scammers represent themselves as fake government agents or bogus businesses. They are really on the prowl for your cash and personal info, costing victims in North Carolina almost $190 million last year alone.

Natalya Rice, Southeast Regional attorney for the Federal Trade Commission, listed some key red flags to look out for.

"Utilizing a payment app, sometimes even cryptocurrency, things like that," Rice noted. "Anyone who contacts you from what seems like it could be a legitimate company or business, if they're asking you to send them money or some type of payment through one of these type of payment methods, that is a red flag that you're dealing with a scammer."

Other warning signs include requests to transfer your funds or even demands for a verification code to access an account. If you have concerns, Rice advised it is best to stop communication and contact the actual company directly. Still other scams big in the Southeast include online shopping, investments and job offers.

Nationwide, a record $10 billion was lost to scams in 2023.

More than 25,000 North Carolina residents reported possible identity theft last year. Rice recommends acting promptly when you realize or suspect you have been scammed. The first step is to contact your financial institution and report the incident to its fraud department. She added it is crucial to notify federal and state agencies for further investigation.

"You can go to reportfraud.ftc.gov and fill out a report there and let us know what happened," Rice noted. "In the state of North Carolina, there's also another place you'll want to report it to, and that's the North Carolina Attorney General's Office."

If you suspect your identity has been compromised, Rice stressed the FTC can assist you in developing a recovery plan. She added getting your money back is never guaranteed but the sooner a scam is reported, the sooner it can be investigated and other people can be warned.


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