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An executive action President Trump issued Saturday on the deferral of payroll taxes could put more money in your pocket soon. Much is still unknown about how the order will be implemented, but experts say to keep a few things in mind before making plans for that extra cash.1. It’s temporaryMany employees have a 6.2% Social Security tax withheld from their paychecks and remitted to the IRS on their behalf by their employer. “The executive order defers the withholding, deposit and payment of the tax,” says Matthew Keefer, a certified public accountant at Gorfine, Schiller & Gardyn in Owings Mills, Maryland. The deferral period runs from Sept. 1 through Dec. 31.2. You may not qualifyThe deferral is available only to employees whose pretax wages or compensation is generally less than ,000 biweekly, which works out to around 0,000 a year. And currently it doesn’t apply to people who are self-employed, notes Pete Isberg, vice president of government relations at human resources services firm ADP.3. The taxes are due eventually“This is a deferral of taxes, not a forgiveness of taxes,” says Michael Graetz, a tax law professor at Columbia University Law School in New York. “So at the end of the deferral period, all of those taxes will be owed unless Congress changes the law to say that they’re forgiven.”4. Consider setting the extra money aside for nowIf your employer stops withholding and you see a boost in your pay because of it, you might want to hang on to that cash for now, Keefer says. “Unless legislation is passed, the deferred tax from the executive order will be repaid in the future,” he says. Another option, Isberg adds, is to tell your employer to withhold additional money by filling out a new form W-4 at work.Of course, not all households can afford to set money aside these days. Still, if you need the money from this tax deferral now, don’t lose sight of the fact it could mean a tax bill later.5. Some employers may just keep withholding the tax anywayIt can take time for employers to revamp payroll systems, especially if they’re not using a payroll processing company, according to Isberg. Also, employers can be liable for employment taxes, even if they don’t withhold them, he says. “Employers know that, and they’re going to realize that, ‘Look, if I do this, could the IRS come back to me in January and just assess the full amount that should have been withheld?’ Well, technically they can,” Isberg explains.Most employers won’t want to ask their employees to repay four months of taxes, Graetz adds. “This turns out to be a very complicated problem,” he says.More From NerdWalletSome Taxpayers Face a Desperate Wait for IRS RefundsHow to Work Around Delays in Major IRS FunctionsIRS Data: Refunds Lag as Agency, Tax Filers Slow DownTina Orem is a writer at NerdWallet. Email: torem@nerdwallet.com. 2862

As a third-grade elementary school teacher, Reed Clapp never imagined he would be finishing the school year sitting inside the living room of his home. But the COVID-19 outbreak had other plans for this teacher and so many others across the country.Undeterred by a nationwide pandemic, Clapp was determined to finish out this school year the same as any other: with a play that he and fellow teacher, Karen Snyder, have produced for the last five years.“This is one of the most challenging things I’ve ever taken on,” he said, sitting inside the living room of his home in Nashville, Tennessee.The name of the show Clapp and his class would perform in years past was called, “Grammarella,” a satirical production of Cinderella, where every student plays a part of speech. The character Interrogative, for example, can only speak in questions.On the last day of every school year, Clapp’s students would perform the play in front of their classmates at Madison Creek Elementary School in Hendersonville, Tennessee. It’s become such a hit over the years that there’s typically not an empty seat in the school’s library on opening afternoon, which is also closing night. There’s only one showing.But how could Clapp, harness that same kind of magic without his kids physically at school?After a few weeks of thinking, he decided the answer to that question was right in front of him: he’d move the play to Zoom, a virtual video platform.“Instead of saying, ‘we won’t have a play this year,’ we decided to say, ‘how can we do something that is original and something these kids are proud of?” he said.As summer vacation loomed, Clapp and his third-graders began to double down on their work. This energetic 33-year-old teacher with a thick southern drawl knew the script for “Grammarella” would have to be thrown out. So, he started from scratch and came up with an original screenplay, “Zoomarella.”Students auditioned for lead roles on Zoom, and they even practiced social distancing by picking up costumes that Mr. Clapp and Ms. Snyder had left outside on their front porches.Over the course of a few weeks, the play started coming together. Eight and 9-year-old students learned how to be punctual for rehearsal times, that instead of being held in the classroom, they were being held on Zoom. While Clapp’s original intent was to help students learn grammar, he quickly released that “Zoomarella” was teaching his students more important life skills.“Yes, they’re 8 years old, but when we say, ‘we need some light behind you,’ what we’re really saying is, ‘what can you do to put a light behind you?’” he explained.“These kids have become set designers, light designers, camera operators. It’s amazing,” he added.And for students facing isolation at home, rehearsals offered a sense of a vehicle for creativity that might have otherwise been lost when the school closed.“The stuff that has been the hardest is getting facial expressions and acting with your body. You have to use your body and facial expressions and not just when it’s your turn to talk,” explained 9-year-old Autumn Fair.Weeks of practicing finally paid off for Fair and her classmates, as “Zoomarella” was performed without a hitch during the last week of school. And even though the kids might not have been able to hear the applause through their Zoom meeting, Clapp says he couldn’t have been prouder of his kids.“I hope they take away a moment in time that’s been captured in a unique way. Instead of looking back on all this through news stories, they’ll have this play to look back on,” the proud teacher said.Watch “Zoomarella” below: 3619

An 11-year-old elephant died at Reid Park Zoo in Tucson, Arizona on Tuesday.Punga, a male, died due to double mesenteric root torsion, also known as twisted gut.The condition is known to occur suddenly and is usually deadly. According to Reid Park Zoo veterinarian Alexis Moreno, torsions are more common in horses than in elephants. The cause is not known. Post-mortem tests could reveal the cause in several weeks. 429

An artificial intelligence tool can help doctors when deciding which COVID-19 patients can be sent home, according to a study that started in May.Researchers at New York University used the AI tool to analyze thousands of COVID-19 cases. The team used data from Asia and Europe to develop the model.It uses lab results, vital signs and oxygen requirements to determine how the patient will do over the next few days.The study has found the AI tool can identify patients that will do well with 90% precision, which could help doctors prioritize care and make discharging plans for others.Doctors always make the final call, but the AI tool can help reaffirm their decisions.“It's augmenting, but it's also teaching a little bit, because you know when the physicians see a patient that looks well, but the models say they may not be well, they can look at the, the features right? The vital signs and labs and other things that are saying that this patient isn't well and then they can start to understand or create a mental model,” said Yin Aphinyanaphongs, Director of Translational Clinical Informatics for DataCore, NYU.The researchers are still running randomized trials for about another two months, looking at the average time patients spend in the hospital.The hope is the AI tool could help reduce the length of stay.“That's extremely compelling because now you don't just show oh I have a model that can predict a favorable outcome, but now you have a model, right, that actually affects the outcome,” said Aphinyanaphongs.Another team at NYU is now conducting a survey among doctors that have used the tool. One facility has already implemented it.The researchers wanted to make sure it's easy for other organizations to start -- so the software can be up and running in about half a day. 1805

Are you looking for some steaks to throw on the grill this weekend or on the Fourth of July?You may want to bring extra money; the pandemic is sending meat prices up sharply this month.High prices are starting to impact consumers, restaurants, and anyone who cooks meat for their business.Tyrique Ramsey and his family have served his community from a food truck for years, but he was forced to raise prices last week as pork costs skyrocketed."We used to be able to get it for .99 a pound, but now we are almost paying .99 a pound," Ramsey said.While chicken and ground beef prices are higher, the worst is steak, where prices have gone up almost 50% this year on some cuts. for a package of steakAt Walmart, basic strip steaks were a pound, which came to for a package of two small, shrink-wrapped steaks.One of the cheapest cuts of meat, chuck roast, was a pound, almost double from a year ago.Ground beef was in the (fatty) to (lean) a pound range as well, a far cry from the normal summertime price of a pound in many supermarkets.Shopper Jackie Thompson says she can't afford it anymore."I think it's ridiculous, it is totally ridiculous," she said. " for a steak!"At a nearby supermarket, bone-in ribeyes were at a pound, bringing the total to for one steak. Top-dollar cuts like filet mignon were nowhere to be found.The Hutchinson family wondered if short supplies to blame."It's still pretty thin in the meat aisle, for sure," they said.Government blames plant shutdowns and slowdownsThe Bureau of Labor Statistics says processing plant shutdowns continue to cause shortages.Even after those plants reopen, many will be on limited schedules with fewer workers.The Labor report says beef prices rose 11% in May. The average retail price of beef roast rose a whopping 19% during the month.In addition, prices for chicken, tomatoes and even ice cream went up the government said.Restaurants forced to raise pricesRamsey has had to explain why his price board has gone up in recent days, just as many restaurants are raising their menu prices."I just had to go up a few more dollars," he said. "But a lot of the customers, they kind of understand, we explain it to them."Grocery stores insist they are not profiting from rising prices. Still, attorneys general offices in several states are investigating the source of these price hikes, which appear to be linked to processing and slaughterhouse shutdowns due to COVID-19.Until the pandemic subsides, prices could remain on the high side. 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 2842

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