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If you’re looking for the best place to live, odds are Colorado is a good place to start.On Tuesday, US News and World Report released its annual list of the best places to live in the US, and four of the top five cities are in Colorado.Topping the list is Boulder, Colorado, followed by Denver at No. 2. The only non-Colorado city in the top five was Austin, Texas, at No. 3. Colorado Springs and Fort Collins rounded out the rest of the top 5. US News and World Report used the job market, housing affordability, quality of life, desirability, net migration ratings, surveys, crime data and school quality to determine its ranking."At the top of this year's Best Places to Live rankings, we see a combination of metro areas that can appeal to people looking for city living or more of a small-town atmosphere, but all offer a balance between cost and quality of living," Devon Thorsby, real estate editor at U.S. News, said.Here is the top 10 list:1. Boulder, CO2. Denver, CO3. Austin, TX4. Colorado Springs, CO5. Fort Collins, CO6. Charlotte, NC7. Des Moines, IA8. Fayetteville, AR9. Portland, OR10. San Francisco, CATo see the full rankings, click here.As for those looking to retire, it probably comes as no surprise, but Florida dominates the list of best cities to retire. The top four cities to retire are all in Florida, led by Sarasota followed by Fort Myers."Moving to a new place for retirement can reduce your cost of living and improve your quality of life," said Emily Brandon, U.S. News senior editor for retirement. "The Best Places to Retire includes information about housing costs, access to quality hospitals and the strength of the job market, which can help you find a retirement spot that will meet your needs."Here is the top 10 list:1. Sarasota, FL2. Fort Myers, FL3. Port St. Lucie, FL4. Naples, FL5. Lancaster, PA6. Ocala, FL7. Ann Arbor, MI8. Asheville, NC9. Miami, FL10. Melbourne, FLSee the full rankings here. 1949

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

If you're looking for the perfect gift for the ranch dressing lover in your life, Hidden Valley may have the perfect gifts for you.As part of the company's holiday outlet, they are offering a mini ranch keg. The mini keg is 9.7 inches high and 6.3 inches in diameter and holds up to five liters of ranch. It includes a year supply of Hidden Valley ranch and costs . You have to pre-order it with shipping on Dec. 1.If the keg doesn't fit your style, they also offer a Hidden Valley ranch fountain with a holiday skirt for 0, an ugly Christmas sweater for and a pair of ranch-themed socks for .You can check out Hidden Valley's entire holiday outlet here. 680

I keep telling you, it's #HotVampireSummer. This just proves my point. Congratulations to Stephenie Meyer and Midnight Sun! pic.twitter.com/txNf0ipnm6— NOVL ?? (@TheNovl) August 13, 2020 194

In an interview with Fox News on Thursday, Donald Trump Jr. stated he "went through the CDC data" and claimed the number of deaths caused by COVID was declining to "almost nothing.""Why aren't they talking about deaths? Oh, oh, because the number is almost nothing. Because we've gotten control of this thing. We understand how it works," Trump Jr. said on “The Ingraham Angle.”Per Johns Hopkins, 90,728 new cases were reported in the U.S., and at least 1,004 Americans died on Thursday.According to the Centers for Disease Control and Prevention, their recent data is “provisional" and often behind data gathered by counties and other sources.The CDC also updated its forecast of virus deaths stating "an uncertain trend in new COVID-19 deaths reported over the next four weeks and predicts that 3,900 to 10,000 new deaths will likely be reported during the week ending November 21, 2020.” 898