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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

HUD Secretary Ben Carson directly offered condolences to the family of Jacob Blake after Blake was shot seven times by Kenosha Police officer Rusten Sheskey on Sunday. Carson’s comments come on the fourth night of the Republican National Convention. While Republicans have blasted the Black Lives Matter movement night after night, there had largely been no mention of the incidents that triggered the summer of unrest across the US. 441

If you're planning on receiving or sending mail on Wednesday, you may have to wait an extra day as mail service will be suspended due to Wednesday being declared a national holiday for President George H.W. Bush's state funeral.According to USPS, all post offices will close on Wednesday, and regular mail service will be suspended. USPS says package delivery will also be limited on Wednesday. Wednesday's suspension of mail service is part of a federal government closure ordered by President Donald Trump. Trump issued an executive order on Saturday to close the federal government "as a mark of respect for George Herbert Walker Bush, the forty-first President of the United States."Many other government offices will be closed on Wednesday, including the Social Security Administration. Also, the major domestic stock markets will not open on Wednesday.  892

If it's hard to understand how a service member could end up on the streets, listen to Chris Perry's story.“When I got out, my transition back into civilian life didn’t work out too well," Perry said. "I became homeless for about five or six years and kept getting into a lot of trouble."Perry battled addiction when he left the Marine Corps after eight years of service. He is an Iraq War veteran, who enlisted in the Marine Corps as soon as he could.“I joined when I was 17. My mama had to sign a paper to let me go in early," Perry recalled.When he left the military, he found himself lost in the country he swore to protect.“Honestly, I didn’t see any light at the end of my tunnel," Perry said.Finding that light can take a village, and for Perry, it's not a figure of speech.The tiny homes of Kansas City's Veterans Community Project are a unique approach to the all-too-common problem of veteran homelessness.Army Veteran Brandonn Mixon, who served in Afghanistan, is one of the founders of the Veterans Community Project, and he knows the challenges so many veterans face.“The most successful I’ve ever been was in the military. When I came back home, I couldn’t adjust. I couldn’t transition out of the military mentality back to the civilian-life mentality," Mixon said.The veterans who live in the village get to keep everything inside their tiny home, and the staff helps connect them with services so they can move forward.While some nonprofits may consider factors like whether a veteran looking for help was honorably discharged from the military to join this community, the promise at the core of service is what matters most.“By veteran, I mean, you raised your right hand, you took the oath to serve your country, you could have served one day or 100 years; you’re a veteran in our book," said Bryan Meyer, one of the founders of Veterans Community Project who served in the Marine Corps and was deployed to Iraq in 2003 and 2005.The tiny homes model is expanding nationwide. The Veterans Community Project broke ground on a new village in Longmont, Colorado.The expansion is important because each veteran, like Chris Perry who is now enrolled in community college, is now on the right path.“They got me to a point where there is no going back, so it’s just straightforward from here," Perry said.However, there are still people who took the oath to protect this country and living on its streets in need of help."I know there is a veteran who is sleeping on the streets. There is a veteran crying right now, wanting to commit suicide because there’s nobody who has his back. I’m not going to lie, we’re not going to be done until we find that veteran," Mixon said. "We save his life, we have his back, because he would do that for me, and I owe it to do it for him.” 2794

House Minority Leader Nancy Pelosi said at Wednesday's CNN town hall that she doesn't think campaigning on a potential impeachment of President Donald Trump is a good issue to run on."I do not think that impeachment is a policy agenda," she said.The California Democrat pointed to the ongoing special counsel investigation led by former FBI Director Robert Mueller, saying everyone should "let it take its course" before judging the outcome, and noting the difficult, divisive nature of moving to oust a president."Impeachment is, to me, divisive," Pelosi said. "Again, if the facts are there, if the facts are there, then this would have to be bipartisan to go forward. But if it is viewed as partisan, it will divide the country, and I just don't think that's what we should do." 789