As Coloradans continue to experience sticker shock each time they open their utility bill, the volume of calls to Energy Outreach Colorado's helpline has been off the charts, topping 16,000 calls per week.

Michel Infante, energy assistance project manager for Energy Outreach Colorado, said they are processing more than 700 new applications each week. The good news is, help is available, even for people who have had to tap the program's funds in the past.

"At EOC, we just want to bring awareness to the folks that are having a hard time right now that we have resources to help them," Infante explained. "And it doesn't necessarily have to be folks that have never asked for this kind of help."

Xcel Energy blames rising natural gas prices for high utility bills, yet its gross profits in 2022 came in at more than $8.3 billion, an increase of more than 10% from the previous year.

Last year, more than 71,000 Colorado customers received more than $87 million in utility-bill assistance. Those who need help paying an energy bill, know someone who does, or are at risk of being disconnected can call the helpline at 866-432-8435.

While high- and middle-income households may not like the big bump in their energy bills, most can write a check without having to cut back on the basics such as housing, food and medicine. Infante pointed out families bringing home significantly smaller paychecks are facing difficult decisions, and many do not have emergency savings.

"If you have a lower-income family who is already struggling, then you increase their utility bill, they are going to have to sacrifice one thing or another to be able to stay warm in the winter," Infante added.

Xcel said investments in wind and solar, which generate electricity without the need to purchase fossil fuels, have blunted $700 million in energy costs, which otherwise would have been passed along to customers.

Infante noted the money being made available to help struggling families keep the heat on in winter comes from former and current customers, in the form of a small fee on their utility bill.

"And that fee goes to support programs such as this one," Infante stressed. "No one should feel bad about asking for help, because we're all kind of putting it in the pot, and we can grab from that pot when we need some help."

Small Business Saturday has come and gone and the North Carolina Sustainable Business Council urged people to keep "shopping local" this season.

The council said supporting homegrown businesses creates jobs and makes communities healthier. One of those businesses is the Little River Pecan Farm, with 100 pecan trees on a 10-acre section of sixth-generation land.

Crissy Neville, the farm's owner, emphasized the need to support local growers. She said shopping at local farms and agro-tourism sites preserves family businesses, but can also benefit the environment.

"Shipping is not involved, trucking is not involved," Neville pointed out. "Essentially, you know, you're buying locally, and that's the best thing that you possibly could do for lowering your carbon footprint."

Neville cited the added benefit of knowing where your food comes from. Studies estimate processed food in the U.S. travels more than 1,300 miles, and produce may travel more than 1,500 miles before reaching the table if it is not grown locally.

Rebekah Miel, owner of Miel Creative Studio in Durham, works with purpose-driven organizations to help them amplify their work. She pointed out local businesses often help their communities in ways beyond offering their products or services.

"Small businesses donate 250% more to local nonprofits and community causes," Miel explained. "That is also exemplified in our business. Our 'Design to Give' model means we give at least 5% back to local nonprofits, 1% of which is to local environmental nonprofits."

Anne Shaw, state director for the Small Business Center Network, said there is nothing "small" about the power of small companies. Their overall contribution to the workforce is enormous.

"The 1 million small businesses that exist in North Carolina, they employ 1.8 million employees," Shaw emphasized. "Which represents about 44% of North Carolina employees."

Shaw added research also shows on average, a local retailer will recirculate about 48% of their revenue back into the local economy, compared to about 14% of revenue from a national chain.


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A new report from the Consumer Financial Protection Bureau found the repayment process for federal student loans has been filled with errors.

Repayments began in October following a three-year pandemic-related pause. Since then, complaints of inaccurate bills, late notices and poor customer service have only increased.

Rep. Ayanna Pressley, D-Mass., said borrowers are struggling to reach loan service providers on the phone while more than 20,000 people received grossly incorrect bills.

"Now imagine opening your mail and seeing a bill for 100,000 dollars. This is ridiculous," Pressley asserted.

Pressley pointed out borrowers' financial situations are as precarious now as they were when the pandemic began and argued they deserve student debt relief. Critics countered American taxpayers should not be saddled with college loan debt they did not incur.

Officials with the Consumer Financial Protection Bureau said they are working to protect student loan borrowers from incompetent or predatory student loan servicers, including the more than 800,000 people who missed their first payment since the pause was lifted because their bills were mailed out too late.

Rohit Chopra, director of the bureau, said borrowers should be cautious, especially when talking to third-parties contracted by loan servicers for bill payments.

"If you're having trouble, please file a complaint," Chopra urged. "We're often able to get those individuals across the country fixes and sometimes clear answers on what really needs to happen."

The Supreme Court struck down President Biden's student loan forgiveness plan earlier this year, affecting more than 800,000 student borrowers in Massachusetts who would have been eligible to have some if not all their debt erased.


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Today is Giving Tuesday, a day when millions of Americans are expected to make charitable donations.

But it can also be a field day for scammers. Experts have tips on how to make sure your contribution ends up in the right hands.

California Attorney General Rob Bonta says charities are required to file financial reports with the state's Department of Justice, so you can go online and check their registration status.

"You can use our registry: search tool@oag.ca.gov, under charities to ensure a charity is in good standing and is up to date with its financial reporting requirements," Bonta explained.

Consumers are urged to read those financial reports, to find out what percentage of their revenue is spent on the mission versus on staff and overhead. Experts also warn people not to fall for high-pressure tactics used on telemarketing calls.

Bonta urged people to check the name, email and web address carefully to be certain you don't fall prey to a scammer posing as a real charity.

"Take, for example, the American Red Cross of California. Sounds good. But that's not the American Red Cross that we know and love," he said. "It sounds like the Red Cross, but that was actually the name of a now-defunct organization that our office ordered to 'cease and desist' back in 2019 for misleading donors."

Officials also advise consumers to be careful if asked to make a donation via text, QR code or portable credit card reader. Verify that the person asking truly represents a legitimate charity, get a receipt, and check your credit card statement right away to make sure you were charged the correct amount.


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