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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) — A new initiative between California and Mexico officials could pave the way for solving the persistent issue of sewage flowing from Tijuana to the U.S.The sewage comes as runoff from the Tijuana River or as flow from the Punta Bandera treatment plant, leading to beach closures in Imperial Beach and Coronado. On Friday, officials from California and Mexico met in Imperial Beach to launch the California-Mexico Strategic Dialogue. The inaugural issue is to find solutions to stop the sewage from flowing into the U.S."While other leaders may use the border as an opportunity to distract and divide, we want to use this as an opportunity to convene and advance," said State Assemblyman Todd Gloria, a Democrat. Officials are reporting progress. Tijuana Councilman Manny Rodriguez said he and others just requested 300 million pesos, or about million dollars, to improve processing tanks at Punta Bandera."We need to focus more on treatment, and if we get the money for that, I think this problem can be fixed," Rodriguez said. Imperial Beach Mayor Serge Dedina said the International Boundary and Water Commission is installing an Earthen Dam in the Tijuana River channel to stop any accidental flows during the dry time of year. "That's a really good sign of little things that don't cost taxpayers any money that keep our beaches clean," Dedina said, adding that those kinds of short-term fixes should be a major part of the dialogue. 1480

HOUSTON (AP) — A federal judge has rejected a last-ditch Republican effort to invalidate nearly 127,000 votes in Houston. U.S. District Judge Andrew Hanen’s ruling Monday concerned ballots cast at drive-thru polling centers that were established during the pandemic. The judge's decision to hear arguments on the brink of Election Day drew concern from voting rights activists, and came after the Texas Supreme Court rejected a nearly identical challenge over the weekend.The lawsuit was brought by conservative Texas activists who have railed against expanded voting access in Harris County. Hanen said the opponents to drive-thru centers — who were represented by former Harris County GOP Chairman Jared Woodfill— had no standing to bring a lawsuit. He added that people had already voted and that conservative activists had months to bring a challenge sooner.But Hanen still expressed doubts about whether Texas law allowed anyone to vote from their car, even in a pandemic.“If I were voting tomorrow, I would not vote in a drive-thru just out of my concern as to whether that’s legal or not,” Hanen said.Another 20,000 or more voters were expected to use drive-thru polling locations Tuesday, said Harris County Clerk Chris Hollins, the county’s top elections official. Several voters who already used the drive-thru centers rushed to join mounting opposition to the lawsuit, including a Houston attorney whose wife was 35 weeks pregnant when she cast her ballot. She gave birth to twins Friday.The county is the nation’s third largest and a crucial battleground in Texas, where President Donald Trump and Republicans are bracing for the closest election in decades on Tuesday. 1689
In a little more than a decade, more than 40 million diabetics worldwide could be left without insulin, the drug that is needed to help control the disease. It's a dire prediction from a study published in the journal Lancet Diabetes and Endocrinology that could have life-altering consequences. Health expert Dr. Dahlia Wachs likened insulin to being the key to a door. In most people, it's a naturally occurring hormone the pancreas secretes when we eat sugar so that it can go from the bloodstream and into our cells.But it's a different matter for the millions of people whose bodies either don't make insulin or who have insulin resistance."Type 1 diabetics — they are very dependent on insulin," Wachs said. "They don't make insulin. They get very skinny and we have to give them insulin. There really isn't a lot of other treatments for these Type 1 diabetics.”A shortage of insulin in drug form poses major challenges. "So those with Type 2 diabetes, many of them can take pills, but if they are in poor control we have to give them insulin," Wachs said.Wachs said insulin is expensive to make. She says only three major pharmaceutical companies make it. And the demand isn't the highest here in the United States but other parts of the world, including Africa and Asia. However, the U.S. will have the third highest number of people living with diabetes by 2030.Diabetes is growing at an epidemic rate in the U.S. More than 12 percent of the adult population in Nevada is diabetic, according to the Centers for Disease Control. Every year, 10,000 people are diagnosed with diabetes and an estimated 75,000 have diabetes and don't know it. "So what can we do to prevent the shortage? Well, try to prevent diabetes," she said.That means controlling obesity, exercising and eating healthy. 1943
Hundreds of thousands of dollars in coronavirus relief payments have been sent to people behind bars across the United States, and the IRS wants the money back. The federal tax agency is asking state officials to help claw back the cash it says was mistakenly sent. The legislation that authorized the payments during the pandemic doesn’t specifically exclude jail or prison inmates. An IRS spokesman says the agency is relying on the unrelated Social Security Act, which bans incarcerated people from receiving some types of benefit payments. Some groups say inmates need the money, especially if they've been recently released. 637
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