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This holiday season, a word of caution from charity experts. If you're able to donate, make sure you do your homework, and make a plan for your money so that it supports a worthy cause.Court documents from September detail a four-state investigation that shut down a sham charity, which, according to investigators, bilked consumers out of millions. They claimed to use donations to help homeless veterans, breast cancer survivors, and disabled law enforcement. But the real people in need got next to nothing."The fraudsters out there are relying on your generosity your good wishes, the fact that you can’t say no when somebody says something like veterans or children or breast cancer- they want to tug on those heartstrings," said Yael Fuchs, President of the National Association of State Charity Officials (NASCO). "NASCO was formed so that state charity regulators can talk to each other, so that we can learn from each other, so that we can share tips and make sure that we are coordinating our enforcement efforts.”They often work together to take down the bad guys. And when they're not doing that, they're proactively following fundraising drives. “Do we see exorbitant amounts of money going to professional fundraisers- do we see big upticks in the salaries that the leaders of the charity are making,” Fuchs said.They look for ways in which people are being taken advantage of. So, how do you know who's good and who's not? Enter organizations like Charity Navigator. “We’re a database with all of the registered nonprofits in the United States,” said Michael Thatcher, President, and CEO of Charity Navigator. Thatcher says the company has grown to be the largest independent evaluator of nonprofits in the country. Basically, they give you all the tools you need to make the right decisions when it comes to donations.“Never charge the donor for access to the information and never charge the charities to be evaluated so you eliminate any potential conflict of interest,” Thatcher said If you're looking to give this year, he recommends focusing on how the organization is run, how they're making a difference in the world. Review their financial data, and ask questions - lots of questions. "How have they pivoted around COVID and how have they stayed true to their mission and also stayed in business?" Thatcher added.NASCO recommends you do extensive research. And be specific about the "cause" you want to support. “Where is my money going- how will it be used? What we always want people to remember is you don’t want to give to a buzzword you’re not just giving to a cause you’re giving to a particular charity so you want to be able to trust that charity to understand what their programs are.” The need will be big this year. And donations will be unpredictable. So, experts also say, make a plan, talk to your family, and give with intent so that your donation goes where it's supposed to. 2923

There are now 286 cases of possible and confirmed acute flaccid myelitis in the United States this year, according to the US Centers for Disease Control and Prevention.That includes 116 confirmed cases of the rare polio-like illness, also known as AFM, that leads to sudden onset of paralysis. That's 10 more confirmed cases than the agency reported a week ago. An additional 170 possible cases of AFM are under investigation.More than 90% of the 440 patients with AFM since 2014 have been children younger than age 4. Most of the children with confirmed cases experienced a viral illness with symptoms including fever and cough about three to 10 days before the onset of paralysis, the CDC said this month. 715

Thousands of youth sporting events were canceled this spring due to the COVID-19 pandemic.It's tough enough that kids are missing a whole season of baseball or soccer. But now, soccer moms and dads everywhere are growing frustrated.Many paid hundreds of dollars for their kids to participate in spring soccer leagues that ended up canceled, and refunds are turning out to be elusive. Some families paid over ,000 for two children to join private clubs.One weekend of play, 0 goneJulie Hooper is the mother of a third-grader who only got to play one weekend before the season was shut down."For the spring soccer league, we paid 5," she said.When parents called the head coaches after the cancellation, they did not get what they had hoped."We asked where our money is, and they are keeping all of it and told us we get a 10% discount if we sign up for next season," she said.Hooper said she would understand had they at least continued training, but there have been no tournaments, games or practices, and the club still has the parents' money."I've heard from other teams, other clubs, that they would get money back from tournaments not played," she said.Where is the money?But many clubs are not giving refunds. News reports and Facebook complaints show soccer parents nationwide are asking where the money has gone.Some teams say they prepaid for tournaments and are having problems getting those deposits back from larger sporting organizations. Others say much of the money went to field maintenance and insurance, and those funds are gone for good.Hooper said she doesn't expect a full refund, but "to pay 5 and get so little, it just seems like we should get something back. We feel we are deserving of that because we are all going through hard times."Some soccer clubs are applying for federal pandemic assistance and using that money to refund parents because they say they simply don't have the cash in the bank to give families their money back.As always, don't waste your money.________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money-saving advice, go to www.dontwasteyourmoney.com 2275

Top senators eager to target Saudi Arabia over the murder of journalist Jamal Khashoggi?plan to meet Thursday to try to cut a bipartisan deal curtailing US involvement in the war in Yemen, suspend arms sales with the Saudi kingdom and rebuke the crown prince, Mohammed bin Salman.The goal of the senators is to reach bipartisan consensus on a deal that could be on the floor as soon as Monday, according to members involved in the effort."There's a consensus among a lot of us that we want to suspend arms sales and stop support for the war -- how do you best do that?" said Sen. Lindsey Graham, a South Carolina Republican who is directly involved in the effort.Asked if he's spoken to the White House about the push, Graham said bluntly: "They know where I'm at.""It'll have teeth," said Senate Foreign Relations Committee Chairman Bob Corker, a Tennessee Republican, who added that the senators are trying to piece together various proposals into one plan to achieve bipartisan consensus. "We're trying to get everything together so we do something constructive."The move would amount to a rebuke not just to Saudi Arabia -- but also to Trump, who has downplayed the murder of Khashoggi and cast doubt on the crown prince's role?in the murder while also promoting economic ties of the US and Saudi Arabia. Among the ideas: Formally halt arms sales between the kingdom and the US, a top Trump priority, while also limiting the US involvement in the Saudi-led war in Yemen, which the Trump administration supports. Moreover, senators are debating how best to target the crown prince, whether it's through a non-binding resolution blaming him for the murder or seeking to slap him with sanctions."Honestly, left to my own accord, I would focus on (bin Salman)," said Corker, who is retiring at the end of his term in January, but added that any deal would also weigh in on the US involvement in Yemen.Corker also said CIA director Gina Haspel gave the "most precise presentation I've ever heard in 12 years" in the Senate when she briefed senators Tuesday on the Khashoggi murder.He said that a colleague corrected his comments Tuesday that a jury would convict bin Salman in 30 minutes. It would have been "20 minutes," he said the colleague told him.Corker said he would be "benevolent" and give Defense Secretary James Mattis and Secretary of State Mike Pompeo the benefit of the doubt for their prior briefing, saying they may be downplaying a link with the crown prince because they haven't seen the same intelligence that the CIA director has.Without a bipartisan deal, Corker warned that a measure -- drafted by Sens. Bernie Sanders of Vermont, Mike Lee of Utah and Chris Murphy of Connecticut -- to end US support within 30 days for the war in Yemen would pass the Senate as soon as next week."If there's not (a deal), the other one looks to me like it's going to get 51 votes," he said.But with only limited time left in the lame-duck session, GOP leaders are wary about bringing up the measure because it could dominate the floor schedule next week. Because of the unusual process, bringing up the Sanders-Lee-Murphy measure -- without a bipartisan deal to consider amendments -- could open up the floor to a session known as a "vote-a-rama" that could open up the bill to a wide-range of unrelated issues."The conundrum is if we get on it without an agreement on amendments then we've got a vote-a-rama," said Senate Majority Whip John Cornyn, a Texas Republican. "And so there's no germaneness requirement, so everything from criminal justice reform to repeal-and-replace Obamacare to Medicare-for-all are all fair game. That's the conundrum."Cornyn added: "I think we should condemn the murder of Khashoggi in the most emphatic terms but I don't think we should cut our nose off to spite our face with regard to the proxy war in Yemen against Iran." 3885

Think about this: working 80 percent of the hours for 100 percent of the pay.It's a concept a Denver company wondered if it’d work for them. This summer, Uncharted decided to put it to the test.CEO Banks Benitez says he started looking into it in 2019. He brought it to his executive board, and they decided it was something they were going to implement in 2020. Then, COVID-19 happened."So, we asked this question, 'Do we need to be working like crazy hours right now or do we need to really think about how we care for the mental health of our team and give people some space?'" said Benitez.This summer, they launched an experiment, hiring a third-party company to evaluate the efficacy of the experiment. The team worked Monday through Thursday, taking every Friday off. The hours were not made up throughout the week. The team worked four 8-hour workdays.They looked at three main things: performance, culture, and mental health."Performance stayed the same and was constant over the course of the experiment compared to previous performance," said Benitez.Culture, he says, slightly improved at the Denver-based company. People felt just as or a little more connected to members on their team.Lastly, to no surprise, mental health improved."I know that our best work comes when our team is healthy when our team is mentally healthy, when our team is aligned and in touch with each other," said Benitez.Benitez says there’s a different mentality that his employees bring in when they have a four-day workweek. They’re more focused and clearer about priorities. However, there are some downfalls"There’s a little bit less buffer time to kind of just go with the wind. You have to be really thoughtful about how you structure your time. And of course, the benefit of that is, Fridays are off," said Benitez.That helps lead to more downtime and time to refresh before starting the work grind again Monday morning."How do we situate Uncharted within the broader life that they’re living, [whether] that’s family, kids, adventures, travel, all that stuff. And if we can do that, I think the team will come back and perform better," said Benitez. 2153