Arizona is among states that have considered passing consumer privacy laws but have yet to do so. While the state doesn't have anything on the books, one expert contends it is an opportunity for Arizona to take action.

R.J. Cross, co-author of Arizona PIRG Education Fund's "The State of Privacy" report, along with experts from the Electronic Privacy Information Center, evaluated how states' privacy laws aim to protect users. They found what they call "weak, industry-friendly" laws that allow tech companies to collect data about consumers without "meaningful limits."

The more data companies collect from users, she said, the more that data is at risk.

"Industry lobbyists are playing a full-court press in the states, pressuring lawmakers who want to protect consumers to water down their bills," she said, "and it is unfortunate how many times we have seen that be successful."

Cross, director of the PIRG Education Fund's Don't Sell My Data Campaign, said no laws should be written by the companies they are meant to regulate. Despite Congress having failed to enact the American Data Privacy and Protection Act in 2022, the report says state legislators can use its bipartisan framework to adapt existing state laws or create new ones.

More than 80% of Americans are concerned about how companies collect and use their data, according to the Pew Research Center.

As more tech companies collect data, Cross said, the more our data is at risk of being exposed in a breach or hack. That means valuable information can end up in the hands of identity thieves, scammers or brokers that buy and sell data. Cross called on Arizona and federal policy makers to step up and better protect consumers' data, but added that, in the meantime consumers can take proactive steps to protect themselves by not using web cookies and downloading the Consumer Reports app called "Permission Slip" that can tell data brokers to delete their data.

"You can download that," she said, "and send one deletion request to hundreds of companies with one push of a button, saying, 'Hey, if you have my data, I want you to delete it.' Again that is totally free from Consumer Reports and we do strongly suggest that people, while we are waiting for strong regulations, take advantage of that."

While some states have passed laws, Cross said, they have loopholes that allow companies to continue collecting data. She added that certain laws may grant consumers the right to ask for the deletion of their data, but said that could mean individual requests have to be sent to every company, which is what Cross called a "part-time job."

Nearly half of Americans age 50 and older are using credit cards to pay for basic living expenses, according to a new AARP survey, and a Minnesota expert has tips on how to keep that debt from becoming a major problem.

In the same national survey, almost nine in 10 respondents say unexpected expenses have contributed to their credit card debt.

Kevin O'Laughlin, a certified financial advisor at TruMix Advisors in the Twin Cities, said the results aren't surprising, since rising consumer costs take a bite out of savings and Social Security payments can't always keep pace.

He encouraged older adults concerned about their balance going up to do some careful planning.

"I think it comes down to taking a real hard look at where are there opportunities to supplement one purchase for another," he said.

That means, if possible, holding off on non-necessary purchases. Other tips apply to people of any age, including paying more than the minimum monthly amount due on cards. O'Laughlin said you can also call the credit card company and request a lower interest rate or see about transferring your balance to one that has a more desirable rate.

If you're still paying a mortgage, O'Laughlin said seeking a refinancing deal shouldn't be ruled out. As these challenges escalate for seniors, he said, it's a reminder to prioritize the basic needs of this demographic.

"Whether that's through an increase to Social Security checks, or maybe just streamlining the ability to work, part time or in some limited capacity, in retirement to supplement their cash flow needs."

If it all seems overwhelming, he said there are financial planners and programs willing to guide older adults at no charge. O'Laughlin's firm takes on pro bono cases, and he pointed to Lutheran Social Services as another resource. The Minnesota Financial Planning Association also does outreach for these services.

Pennsylvania residents who need assistance filing their income tax returns can use the free services of the AARP Foundation's Tax-Aide program.

You do not have to be an AARP member or a senior citizen to get help.

Kathleen Hoffer, program coordinator for AARP Pennsylvania, said the full-service tax program assists Pennsylvanians with federal, state and local returns. She added their main focus is to serve individuals with low to moderate incomes.

"We helped nearly 74,000 people in Pennsylvania last year and it resulted in $52 million in refunds for those folks," Hoffer reported. "We're doing as best we can, but we could do better especially if we had more volunteers."

Hoffer emphasized the volunteers are trained and IRS-certified to ensure they are up-to-date on the latest changes to the tax code. The nationwide program is available through mid-April. Volunteers have helped 1.7 million people secure nearly $1.3 billion in total refunds.

Hoffer noted individuals in rural, underserved areas may struggle with tax preparation access and adds they are working to assist them through virtual appointments. She explained the program offers several options such as in-person and drop-off services for taxpayers to get assistance.

"We also have assisted tax preparation," Hoffer pointed out. "We have where they can come in and bring their tax documents. They basically work on their tax return themselves. But then we have a counselor who can advise them or answer questions. As they are doing their own returns."

Hoffer emphasized their biggest challenge is recruiting more volunteers. With additional help, they can serve a greater number of people. She added volunteers are needed for administrative tasks, greeting clients, communications and technology support.

Activists who believe Tesla CEO Elon Musk is overstepping his role in the Trump administration will protest today at a Tesla dealership in New Mexico's Sandoval County. Similar protests have taken place in Albuquerque and at Tesla dealerships nationwide.

Musk, the world's richest person, leads the so-called Department of Government Efficiency, tasked with saving money by firing federal employees and dismantling agencies.

Terry Eisenbart with Sandoval County Indivisible said many who have lost their jobs live in New Mexico.

"It is time to stand up and fight back with whatever is at our disposal," Eisenbart contended. "Peaceful protests are a huge way to gain the traction of the people that want to express themselves but don't even know where to begin."

Despite his previous vilification of electric vehicles, President Donald Trump went to bat for Musk's beleaguered car company on Tuesday. He showcased five Tesla vehicles in front of the White House and announced he had purchased one for $80,000. Musk donated $270 million to Trump's 2024 election campaign.

Eisenbart is especially concerned federal services she believes Americans want and need are being eliminated. She cited the closure of the Consumer Federal Protection Bureau on Feb. 8, which, Russell Vought, director of the Office of Management and Budget, called a "woke" and "weaponized" agency. Eisenbart stressed the closure hits close to home.

"The Consumer Financial Protection Bureau, when they shut it down the other day -- my sister has personally benefited by that -- and it made the whole difference in her life, by the actions that organization took on her behalf," Eisenbart explained.

Sen. Elizabeth Warren, D-Mass., was instrumental in establishing the independent agency after the financial crisis of 2007 and 2008. DOGE claims total government savings of at least $105 billion so far but news agencies have not been able to verify the savings.


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