Financial Literacy Month might be coming to an end soon, but the Federal Trade Commission wants to help Nevadans year-around spot, avoid and report scams to keep their money safe. The state's residents lost almost $80 million to financial scams in 2023, according to LendingTree, a loan-finding marketplace. The Silver State also saw the highest per-capita losses due to scams at just above $25.

Reid Tepfer, attorney for the FTC's southwest region office, said they received fraud reports from 2.6 million people last year. The most commonly reported was the "imposter" scam.

"When I say imposter scams, I mean people who are pretending to be your bank's fraud department, the government, maybe a relative in distress or a well-known business, even a IT support expert," he explained.

Tepfer added investment-related scams were the fourth most-reported fraud category, with people losing more than $4.6 billion nationwide last year, the most of any category. Tepfer said if something sounds too good to be true, it likely is, and added a scammer will often demand payment by a money transfer or gift card, and will pressure you to act now. A list of warning signs is online at 'consumer.ftc.gov.'

As technology becomes more advanced, so do the scams. Tepfer said it is a scam when someone tries to get you to move your money to protect it - such as asking you to transfer or withdraw funds from a bank or investment account, and added you should always take the time to do your research before making any financial decision - which is exactly what scammers try to discourage.

"The reason they want to create this false sense of urgency is, they don't want you to be able to take a step back and ,ook at the situation with a clear head and realize that something isn't right." he continued.

Tepfer said if you're concerned or want to inquire about a financial account, make sure to contact the responsible financial institution using the phone number on your financial statement. He says if you are scammed, it is also important to file a report with the FTC. You can do this online at 'ReportFraud.ftc.gov' - or by calling 877-382-4357.

Tariffs are disrupting supply chains from China, making it harder for reusable alternatives to compete with single-use plastics.

Jeffrey Delkin, president of Bambu, an Oregon-based company which has been making plastic-free home goods for 20 years, said the Trump administration's 145% tariffs forced the company to lay off their staff in China and make their U.S. staff part-time. Though Chinese tariffs will now drop to 30% for 90 days, Delkin noted it is still a huge jump from the usual 3.5%.

He fears the tariff roller coaster threatens the company's future as well as the market for plastic alternatives.

"Unfortunately, this is a time where we need more small, right-minded, responsibly operated businesses," Delkin contended. "The current conditions are not helping."

Data show even before the trade war, plastic products faced much lower tariffs than their alternatives. This keeps plastic prices low and makes it harder for alternatives to compete. Delkin added since the oil industry receives large government subsidies, plastic producers are better able to absorb extra costs.

Research shows plastics contain harmful chemicals which leech into food, water and the environment. Emissions created during plastic production also contribute to climate change.

Delkin pointed out the public is still learning about the effects of microplastics on overall health, adding more than 90% of plastic produced ends up in landfills.

"It's that kind of stark reality that encouraged us to do what we do and to really promote renewable materials," Delkin explained.

The plastic market continues to grow despite its harmful effects. In 2020, about 370 million tons of plastic were traded, valued at $1.2 trillion.


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A new tool aims to equip Oregonians with the knowledge they need to take control of their personal data and protect their privacy online.

Oregon Consumer Justice created the guide after the Oregon Consumer Privacy Act took effect last summer, empowering residents to control how businesses collect and use their personal data. The guide explained how to request records of collected and sold personal information.

Malena Lechon-Galdos, program coordinator for the Portland-based nonprofit suma, which helped work on the guide, said most people do not understand how much of their data, from internet search histories to social security numbers, is being collected, bought and sold.

"The internet is a tool that everyone at this point needs to utilize, even if it's getting basic resources," Lechon-Galdos pointed out. "How can we do it in a way that is safe?"

The guide includes step-by-step instructions on how to opt out of targeted advertising and stop the sale of personal data.

Cookies, explained Lechon-Galdos, help websites track the personal information people enter, as well as users' locations. All the information is bought and sold by data brokers to create personalized advertisements. Information can also be purchased by federal agencies and used in investigations, Lechon-Galdos added, which has raised concerns about warrantless surveillance.

"What we want the community to know is there are risks here," Lechon-Galdos stressed. "Here is how to mitigate some of these risks so you can feel more knowledgeable, more in control."

The new tool addresses barriers to digital rights awareness, Lechon-Galdos noted, including complex jargon and limited tech access. Oregon Consumer Justice said it hopes the information will help build a network of informed data privacy advocates.


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West Virginia coal miners filed a lawsuit asking a federal judge to temporarily halt the Trump administration's layoffs impacting the Coal Workers Health Surveillance Program.

The National Institute for Occupational Safety and Health houses the program, which offers the screenings free of charge.

Travis Parsons, director of occupational safety and health for the Laborers' Health and Safety Fund of North America and a native West Virginian, said a majority, some 80% to 90% of workers at the program, have now lost their jobs.

"We always lean on NIOSH for research," Parsons noted. "Any time we had a new OSHA rule, we leaned on them for their expertise and to create a safer workplace."

The class action lawsuit against the federal government was filed on behalf of miners by Appalachian Mountain Advocates, Mountain State Justice and Petsonk Labor and Employment Law. Modern changes in mining technology have allowed miners to dig deeper into rock, increasing their exposure to silica dust, which has driven up rates of black lung disease, according to the American Journal of Managed Care.

Parsons added the program NIOSH has unique tasks and expertise which cannot be easily transferred to other agencies.

"They're the only agency in the country that certified respirators and tested respirators," Parsons pointed out.

The Centers for Disease Control and Prevention estimates around 20% of coal miners in Central Appalachia have been diagnosed with black lung disease.


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