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What does defunding the police really mean?From Los Angeles to Minneapolis to New York City advocates are pushing for widespread police reform in the form of reduced police budgets. HOW MUCH WILL BE CUT?So far, American cities are taking a slow approach to the demands of advocates. Leaders in Minneapolis, the site of George Floyd's death, have called for the most significant changes with City Council agreeing to dismantle its police department. Los Angeles' Mayor is calling for 0 million budget cut. Minneapolis' City Council is exploring a 0 million cut. New York City's Comptroller has called on the Mayor to cut the NYPD by .1 billion over the next four years. Depending on the number, cuts to police departments could mean fewer officers and most likely fewer programs offered by police departments. WHERE DO ADVOCATES WANT THE MONEY TO GO?In short, leaders in the Black Lives Matter movement want the money currently allocated to police to be re-invested in communities instead. That could take the shape of city development in an often forgotten part of town or in mental health awareness campaigns. Homeless outreach and improved educational opportunities have also been mentioned. NPR recently profiled an effort in Eugene, Oregon, that dispatches social workers to certain emergency calls instead of officers. Advocates support measures like that as well. WILL CRIME INCREASE?You can't have a discussion on defunding police without exploring the possibility that crime could increase. But there is evidence that crime can actually go down with fewer police officers. A 2017 study found that when NYPD reduced its proactive policing polices in 2015 and 20`14, the number of criminal complaints filed actually decreased in New York City. The Fraternal Order of Police though disagrees. Sgt. Robert Pride, who met with President Trump at the White House this week, said he believes more officers would want to leave law enforcement if major programs were defunded. "That's not a profession I want to be apart of," Pride said. WILL THIS ACTUALLY HAPPEN?Police reform has been talked about before but never on this scale. It will also depend on whether the political pressure on city councils and mayors across the country continue. The "defund" movement is likely in its very early stages. 2316

When Tim Frye retired from his job as a project manager in 2017, he envisioned traveling the U.S. in an RV with his fiancée. But not long after spending about a quarter of a million dollars on a luxurious, 39-foot 2014 Forest River Berkshire motorhome, his fiancée left him — and he was left with a very expensive vehicle in his yard.“I could sell it, but I’d lose a ton of money because I had just bought it and wouldn’t be able to get the full value back,” Frye said. “Or I could rent it out.”Frye, who lives in Flower Mound, Texas, opted for the latter, posting his motorhome on online RV rental marketplace Outdoorsy, which is essentially Airbnb for motorhomes and campervans. Owners coordinate with renters on a meetup spot and handle the vehicle maintenance and cleaning. Outdoorsy handles the booking requests, transactions and RV insurance.In his first two years renting his RV on the site, business already was good for Frye. But everything changed when coronavirus hit. And for Frye’s RV business, things changed for the better.“This is the king of side hustles for me,” Frye said.The coronavirus impact on RV rentingPortland-based Adam Clayton has two 2017 Winnebago Travato campervans available for rent on Outdoorsy. Before the pandemic, Clayton said both RVs were booked solid through October 2020. Given his location about 15 minutes from Portland International Airport, Clayton frequently catered to international visitors looking to road trip through the Pacific Northwest.But when the pandemic hit, all his out-of-towners immediately cancelled their reservations. With Oregon state parks closed, business was slow in March and April. But as parks reopened, Clayton saw a quick uptick in locals. Eager travelers converted from cruising to camping. They ignored international travel in favor of national parks. And that meant a sudden uptick in people looking to rent or buy RVs.It was a similar situation for Andrew Carson, who rents his RVs out of his home in Fredericksburg, Virginia.“As of early March, we had 11 reservations set up throughout the summer, yet once COVID hit, every single one canceled,” he said. “We panicked, thinking, ‘what have we gotten ourselves into?’ But once things started opening back up — around April — RVing became the hottest thing in America.”By May, he had already been booked for 120 days straight. Frye was especially lucky; he never even saw an initial dip.“People came to me because they had trips planned, but suddenly their hotels had canceled on them,” he said. “People were scrambling to find places to stay.”Frye says his bookings are up an average of 70% year-over-year. But while business is up, most RV owners agree that the type of business has massively shifted. It’s a lot of first-timers (Carson estimates about 70% of rentals this year were to first-timers), which means owners have to spend more time with renters during the initial walkthrough, and there’s higher odds of renters running into issues simply for being novices.With the usual RV-friendly spots off the list as music festivals remain canceled and many ski resorts are still closed, people are also shifting where they’re headed.“I’ve already booked two customers who are driving my RV to their parents’ houses,” Clayton said. “Rather than stay inside the parents’ house, they’re going to park in the driveway.”How much money can you make renting out an RV?RV rental marketplace RVshare estimates that owners of Class A RVs (those are the largest, most luxurious of the motorized RVs), can earn as much as ,000 per year through their site.There are also some costs involved, however:Commission fees: Online RV rental marketplaces typically charge a commission. Outdoorsy takes a 20% cut of the total reservation cost. RVshare is less transparent about fees since the commission rate correlates with revenue, but owners say it’s typically a 25% cut.Monthly payments, insurance and maintenance: If you’re financing your RV, you’ll have to make monthly loan payments, which likely also means interest and fees. Plus, factor in expenses like maintenance and RV insurance.Storage: RV storage can also be pricey if you don’t have your own garage to store it in. Expect to pay at least ,500 a year — and even more if you’re in a high-cost-of-living area or have an especially large vehicle.But still, it’s a lucrative side hustle. Frye said after accounting for all those costs, he still pockets ,000 annually on his single RV.Virginia-based Carson owns two Class C motorhomes (those are often referred to as mini-motorhomes). Between insurance and monthly payments on his two RVs, he pays about ,400 a month in RV-business related expenses — which easily pay for themselves. Carson said that this summer he grossed ,500 per month between both RVs.Considerations when getting into an RV-renting side hustleHigher-end vehicles typically work out to be better long-termFrye’s RV is a Class A motorhome, which is essentially a full house on wheels that’s big enough to stand up straight inside, has a full kitchen and bathroom, and sleeps multiple people.While they’re more expensive, Frye said he believes Class A motorhomes more easily retain their value versus a cheaper RV, like a campervan. He also said that since the RV is more expensive for renters, it attracts clientele who are more likely to take care of it.It’s good income, but it’s not passive incomeOwning an RV requires regular work. There’s annual maintenance, but there’s also work to be done with every rental. Between doing laundry, power washing the outside and wiping down the inside, Carson estimates he spends three to six hours cleaning the RV after every trip. He also spends about 30 minutes on the pre-rental walkthrough (and sometimes more if the renter is a newbie). Plus, he spends hours each week scheduling and communicating with renters online.Accept that they won’t be returned in perfect conditionWith strangers driving your RV, it’s bound to get dinged up, especially with more first-time RV renters. Even though RV experts will usually tell you they’re not as hard to drive as you might think, they’re still much tougher to navigate than your average small sedan.“You can’t be too emotionally attached,” Frye said.While sites like Outdoorsy do provide insurance, Frye still acknowledged that putting your RV up for rent is not for you if you’ll be flustered by every little scratch.“If they’re seriously damaged, Outdoorsy insurance pays for it,” Clayton said. “But if it’s something smaller — like a faucet breaks — I just fix it. It’s a business, so treat it like a business. If something gets scratched, don’t freak out.”Location mattersFrye attributes his Texas location as a big factor in maintaining consistent bookings year round, as opposed to owners up north who experience a dip in bookings once it gets colder.And specific locations within that area make a difference too. Carson lives just off of Interstate 95, the main highway along the East Coast, which means easy access for road trippers headed up to Maine or down to Florida.Getting into the RV business nowWith road trips surging in popularity, it’s a lucrative time to adopt RV renting as a side hustle. But if you don’t yet actually have an RV to rent out, good luck.Just before COVID-19 was part of the lexicon, Clayton had run the numbers and was committed to buying a third RV to build his small business sometime in 2020. But just as the rental business is booming under COVID-19, so is the business of owning one.“Every Class B RV — even if it does go on Craigslist — is now exorbitantly priced,” he said. “My only regret prior to all this is that I hadn’t purchased four RVs.”Frye is in a similar boat as Clayton; three years after buying his RV with a fiancée who has since left him, his only regret about buying one RV is not buying more RVs.“The RV market is so hot right now,” he said. “I’m trying to find another one to buy, but suddenly since the coronavirus hit, everyone wants to buy an RV.”And Frye has one more personal reason to add more RVs to his collection: He’s since met someone new — and she and her daughter both love RV camping with him.More From NerdWalletRenting Hotels for Big Events Is Dirt-Cheap … for NowAsk a Points Nerd: How Can I Celebrate the Holidays Without Travel?4 Benefits You Need From Your Travel Credit Card in 2021Sally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 8451

With many charities in need amid the coronavirus pandemic, Congress approved a program that allows Americans to write off up to 0 in charitable donations without filing an itemized return.The program, which was part of the CARES Act approved by Congress in the spring, is intended for those who take a standardized deduction. According to the IRS, 87% of tax filers take a standardized deduction.The IRS encourages tax payers to go to the “Tax Exempt Organization Search” in order to ensure the donation is eligible for a tax deduction. The IRS also reminds Americans to keep records of donations, such as obtaining a receipt of the contribution.“Our nation’s charities are struggling to help those suffering from COVID-19, and many deserving organizations can use all the help they can get,” said IRS Commissioner Chuck Rettig. “The IRS reminds people there’s a new provision that allows for up to 0 in cash donations to qualifying organizations to be deducted from income. We encourage people to explore this option to help deserving tax-exempt organizations – and the people and causes they serve.”More info can be found here. 1143

While Election Day is still 19 days away, voters were already forced to make a decision on Thursday: Donald Trump or Joe Biden.While the decision will not show up on an official ballot or election, the choice Americans were forced to make was on which presidential town hall to watch. While having debates on competing networks might have made things challenging for swing voters, there are not many undecided voters left, according to polls. In a national poll released by "The Hill" yesterday, the survey found that 7% of voters remain undecided. On one network, Joe Biden calmy responded to questions from a socially-distanced audience in Pennsylvania. Meanwhile, President Donald Trump sparred with NBC News host Savannah Guthrie in a competing town hall there.The dueling town halls were held in lieu of a traditional town hall debate. The debate was scrapped after the Commission on Presidential Debates said that tonight’s debate would be held virtually. Trump opted out of a virtual debate, prompting Biden to schedule a forum on ABC News. Yesterday, Trump announced he too would hold a network-televised debate, this time on the NBC family of networks.Trump and Biden plan on debating next week in person for the final time. Biden said he would like to see Trump tested for the coronavirus at the next debate.“Yeah," Biden said when asked if Trump should be tested. "By the way, before I came up here, I took another test, I've been taking it every day, the deep test, you know, the one, they go in both [noses]. Because I wanted to be able to — if I had not passed that test, I didn't want to come here and not expose anybody."White House press secretary Kayleigh McEnany originally stated that Trump was tested multiple times a day. But Trump has acknowledged that he wasn’t tested every day, and said during Thursday’s town hall he was unsure when his last negative test was before announced he was infected with the coronavirus on Oct. 2.“I don't know, I don't even remember,” Trump said. “I test all the time. I can tell you this. After the debate, like, I guess, a day or so, I think it was Thursday evening, maybe even late Thursday evening, I tested positive. That's when I first found out,While Biden answered questions on tax policy, Trump responded to a New York Times story on his personal taxes, and was pressed on details that he reportedly owes 0 million in taxes in the coming years. "I'm treated very badly by the IRS,” Trump said. “They treat me very, very badly. You have people in there from previous administrations. They treat me very badly. But we're under audit. It's very routine in many ways. But we're under audit. They like to change the game, change the rules, do everything,"Biden was pushed on whether he would raise taxes amid a pandemic and higher unemployment.“When I said the Trump tax cuts, about .3 trillion of the trillion in his tax cuts went to the top one tenth of 1%,” Biden said. “That’s what I’m talking about eliminating. Not all the tax cuts that are out there.” 3033

Wings and wagers? Buffalo Wild Wings thinks they're a natural fit.The sports bar chain, which has about 1,200 restaurants in all 50 states, said it is exploring the possibility of offering sports wagering now that the Supreme Court has opened the door for states to legalize sports betting."As the largest sports bar in America, we believe Buffalo Wild Wings is uniquely positioned to leverage sports gaming to enhance the restaurant experience for our guests," a company spokesperson said Thursday. "We are actively exploring opportunities, including potential partners, as we evaluate the next steps for our brand."Three states -- New Jersey, Delaware and Louisiana -- have legalized sports gambling since the Supreme Court decision in May. Before the ruling, Nevada was the only state where it was legal to bet on sports.Many other states are considering legislation that will allow for sports betting in the hopes of cashing in on what could be a multibillion-dollar industry."We're still waiting for state legislatures and regulators to hash out licensing rules, so it's unclear how they'll [Buffalo Wild Wings] have opportunity to participate," said John Decree, head of North America equity for Union Gaming, a boutique investment bank that focuses on the gaming industry.Current there are 43 states with some type of legal casino. But even states without casinos could move to allow sports gambling.Decree said that he thinks it's likely that Buffalo Wild Wings will partner with an established casino or other sports betting entity, rather than try to get licenses on its own as states move to allow sports wagering."It'll be hard for them to try to get licensed in every state that allows it. There's a lot of legal costs and time involved," he said.Much of the coming boom in sports gaming is expected to take place online, especially on mobile apps, meaning that many customers watching games at a Buffalo Wild Wings will be able to place bets at a variety of sports books in their states.Decree said it's likely that some states that allow online wagering will require people to put money on their account in person and using cash, rather than using a credit card.In that case, Buffalo Wild Wings could reach an agreement with some sports books that would allow people to put money on their account in one of their restaurants."That alone can generate a lot of foot traffic," he said.Buffalo Wild Wings was purchased for .9 billion earlier this year by privately-held Arby's. 2533