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If you’re fortunate enough to be able to donate money this year, plenty of causes need your attention.In a year like 2020, choosing where to direct your dollars is like picking your favorite child. Should your money go toward nonprofits providing basic needs, organizations fighting for social justice or a campaign to help local small businesses stay afloat? If you prefer donating your time, how do you give back when volunteer events are limited by the pandemic?Here’s a guide to prioritizing your donations, taking advantage of special tax deductions for 2020 giving and using your holiday spending to make a difference.Tax benefits of giving during the pandemicThis year, in addition to helping those in need, you may be eligible to receive added tax benefits for your donations.As part of the Coronavirus Aid, Relief and Economic Security Act, taxpayers who take the standard deduction are allowed an additional deduction of up to 0 for charitable donations made in cash. Previously, charitable contributions could only be deducted if taxpayers itemized.Taxpayers who itemize can deduct up to 100% of their adjusted gross income for cash donations (up from 60%) made in 2020.These incentives don’t apply to all contributions — only those made to qualifying public organizations, which the IRS defines as “those that are religious, charitable, educational, scientific or literary in purpose.” Contributions to donor-advised funds, nonoperating private foundations and support organizations don’t qualify for the deduction.The IRS website has a tool to look up tax-exempt organizations.Use your values to inform your givingChoosing which cause to support is deeply personal. If you haven’t already, make a list of your values and what you’re grateful for. This list is the basis for your giving plan that can help you determine which causes to prioritize and which ones you can say no to, says Jeannie Sager, director of the Women’s Philanthropy Institute at Indiana University.Sager says you can also use a giving plan to frame your actions outside of hitting the “donate” button.“What kind of volunteerism are you doing? What messages are you sending as you retweet or share things on social media? How does that tie into your philanthropy and your values?” she suggests asking yourself.Early in the pandemic, you may have committed small acts of generosity such as buying gift cards to support your local coffee shop or paying your hairstylist when the salon was shut down.Keep the community spirit going, says Eileen Heisman, president and CEO of National Philanthropic Trust, a public charity that manages donor-advised funds and is based in Jenkintown, Pennsylvania. “I’m a big fan of small grassroots charities,” she says. “A lot of everyday neighborhood arts organizations, small ones, are disappearing.”Research by the Women’s Philanthropy Institute during the early months of the pandemic showed that organizations dedicated to basic needs and health fared better than those focused on religion, and especially better than those serving all other purposes, such as education, the arts and the environment.Resources such as Charity Navigator and GuideStar help you research a charity’s financial health, tax-exempt status and practices. Your local community foundation website can also give you an idea of nonprofits to support.“We encourage people to give deeply to a few causes rather than spreading money out to many causes,” says Grace Chiang Nicolette, vice president of programming and external relations at the Center for Effective Philanthropy in Cambridge, Massachusetts.Unrestricted gifts are typically the most useful to charities, Nicolette says, referring to donations that don’t come with requirements on how the money can be used.Give back while shoppingThis holiday season, 65% of Americans say the pandemic will have an impact on the way they plan to give gifts. At least, 3 in 10 Americans (30%) say they’ll send money or gift cards, and 28% say they’ll ship gifts to loved ones they typically give gifts to in person, according to NerdWallet’s 2020 Holiday Shopping Report.Around 1 in 8 Americans plan to spend more on charitable donations, and almost 1 in 5 plan on spending less on donations in 2020 than they did in 2019, the report says.If you cannot set aside money for donations, use your online holiday purchases to give back. Many online retailers make it easy to donate as you’re checking out or buying gift cards, such as through the Paypal Giving Fund or Amazon Smile program.Heisman suggests using apps that round up your purchases and donate the difference to charity. Boomerang Giving, ChangeUp For Charity and GiveTide are some examples.You can also donate your unused airline miles or credit card rewards to charity, but be aware of the downsides. The charity may not always receive the full amount of your donation and you cannot apply this contribution toward the CARES Act tax deduction.This column was provided to The Associated Press by the personal finance website NerdWallet.More From NerdWalletHow to Maximize Your Online Donation to CharityTax Deductible Donations: Rules for Giving to Charity, How to Get a Deduction & 3 Tips to SaveSmart Money Podcast: The Holiday Shopping EpisodeAmrita Jayakumar is a writer at NerdWallet. Email: ajayakumar@nerdwallet.com. Twitter: @ajbombay. 5348

IMPERIAL BEACH, Calif. (KGTV) - Organizers of the Imperial Beach Sun and Sea Festival say they're ready to go this year, despite a recent sewage spill from Tijuana."It's always on my mind," says Co-Chair Shirley Nakawatase. "I think it's an ongoing situation that we have at the beach."Nakawatase says the spill shouldn't impact the festival, because they only use ocean water for the sandcastle competition. If the water is considered unsafe, they can use fresh water purchased from Cal-Am."We're going to request daily testing to make sure the bacteria count is low," she says, noting that testing will begin on the Monday before the festival.A recent sewage spill dumped 3.5 million gallons of sewage into the ocean south of Imperial Beach, prompting a full closure of the coast in the area. So far this year, Imperial Beach has lost 50 days of beach time because of sewage-contaminated water.RELATED: Imperial Beach Coastline closed due to runoffThe Sun and Sea Festival brings thousands to Imperial Beach every summer for a day of sandcastle competition, concerts, food and more.This year's festival will be on July 13th. The theme is "Under the Sea.""It can just make people smile," says Co-Chair Leah Goodwin. "If you spend the whole day at the beach and give people a memory, that takes you away from some of the craziness. That's why we do this."As for the sewage concerns, Nakawatase says people don't need to worry."Nothing's going to spoil the party," she says. 1481

If you have any old Levi jeans lying around and don't want them anymore, Levi's will take them back.This week, the clothing company launched a denim buyback program through its recommerce website Levi's Secondhand. The way it works is you drop off used Levi’s jeans and denim jackets at participating stores and you'll receive a gift card in exchange.Your items will then be professionally cleaned and then listed on the Secondhand website, "keeping garments in use and out of landfills," Levi's stated on its website.According to Vogue, some of the clothing will be handpicked vintage items, but most will come directly from consumers. 644

IMPERIAL BEACH (KGTV) -- Some South Bay parents said they are frustrated with their internet company after they learned of planned outages during the middle of the school day.Michael Crawford’s daughter is in her first year of high school and like many local students, is starting the year online. Crawford said the transition to virtual learning has not been easy for her. When he learned of the Cox communications outage planned for Tuesday, Crawford said it only added insult to injury. According to a notice he received on his door Friday, the planned service outage was slated to begin at 5 a.m. and last until three in the afternoon.He called Cox Communications, but did not get any answers. “I spent an hour on the phone with them. The lady seemed very sympathetic at first and then she [came] back on the phone and said there’s nothing we could do about it,” Crawford said.His neighbors received the same notice about the planned outage. Crawford questioned why the company doesn’t perform the work later in the day or on the weekends.“I pay them 0 a month for my services and that’s just my house,” Crawford said. “This is a lot of money they’re making and I don’t see why they can’t just pay some overtime for a Saturday. We’re all making sacrifices right now and even the big companies need to make the sacrifices as well.”A Cox Communications spokesperson confirmed the outage due to network upgrades. She said the time on the notice is a window and the average time that a customer is without service is two hours.“We recognize the inconvenience to our customers,” said spokesperson Ceanne Guerra. “Our crews are working really hard to complete this work as quickly as possible. This work is going to support their changing needs as they’re working from home and schooling from home.”Guerra said while they do work during off-peak hours, it is not possible to do so all the time.ABC 10News contacted the Sweetwater Union High School District regarding what students should do during any internet outages. “We ask students to work with teachers individually to ensure they receive their assignments and can work offline as best possible,” said spokesperson Manny Rubio. 2192

I will be leaving the great Walter Reed Medical Center today at 6:30 P.M. Feeling really good! Don’t be afraid of Covid. Don’t let it dominate your life. We have developed, under the Trump Administration, some really great drugs & knowledge. I feel better than I did 20 years ago!— Donald J. Trump (@realDonaldTrump) October 5, 2020 344

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