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Whether you can afford a home depends — a lot — on the city you want to call home. A modest income can go a long way in Cumberland, Maryland, the metropolitan area with the nation’s most affordable houses. In contrast, the least affordable homes are in the San Jose, California, metropolitan area — the center of Silicon Valley.In Cumberland, a median-priced house costs less than two years’ median household income. By contrast, the typical home in San Jose costs about 10 years of household income.NerdWallet calculated affordability for 173 metropolitan areas by comparing the median annual household income and the monthly principal-and-interest payment for a median-priced single-family home. “Median” means half of the values or incomes are higher and half are lower. Those comparisons revealed the five most- and least-affordable markets for buying a home.The lists were compiled using data from the National Association of Realtors, the Census Bureau and NerdWallet surveys.? MORE: How much can you afford in your area? 1045

With Congress unable to agree on another stimulus package, the CARES Act may have been the only chance for many to get an economic impact payment or stimulus check. However, millions of people still haven’t received that check.The Internal Revenue Service (IRS) estimates roughly 9 million people are still owed at least ,200. The Center for Taxpayer Rights estimates another 2 to 3 million people are entitled to and have been fighting to get the 0 for each of their eligible dependents.“There is a whole combination of factors for why people have not received their checks,” said Nina Olsen, the Executive Director for The Center of Taxpayer Rights.One reason some have not gotten their checks is because they did not file a 2018 or 2019 tax return, and they have not gone to the IRS’s “Non-Filer Portal,” which is located on the home page of the IRS’s website.So now, after 5 months, the IRS is sending letters to 9 million people in that category. The IRS has been able to identify who still qualifies for a check, but hasn’t received it, by sorting through its records and checking W-2 forms and 1099s.Those forms also have the non-filer’s address information, and that is the address the IRS is using for the new letters. The letters will inform these non-filers they are still eligible to get a stimulus check under the CARES Act and the steps they need to take to get that money. The steps are simple, either go to the IRS’s website and fill out the non-filer form or file a tax return.“It is also really important that people realize that if they use the non-filer portal they won’t be able to claim the earned income credit and many of these people may be eligible for the earned income credit,” said Olsen. “Those people need to file a regular return rather than use the non-filer portal and I don’t think the IRS has done a really good job of telling people that.”The earned income tax credit (EITC), typically earned by those who have dependent children, can be worth up to ,000. If you fill out the non-filer form in the IRS’s portal but later learn you qualified for additional money from the EITC, you could potentially lose the money from EITC.Outside of the 9 million non-filers getting a letter from the IRS, the 2 to 3 million people still eligible for 0 per dependent are getting a second chance at more CARES Act stimulus money.“Social Security Retirees and disabled people, it gave them less than 48 hours to go online if they had children. That meant they could get an additional 0 and enter that on the non-filer portal. Well a lot of these folks don’t have online access,” said Olsen. "It actually took a lawsuit that is still in the process of being settled for the IRS to reopen the portal.”Those still eligible to claim dependents have until the end of September to claim them through the IRS’s non-filer portal. The 9 million non-filers have until October 15 to take their necessary action. 2941

When Mahdi Hashemian was looking for a bicycle for his 7-year-old daughter Zeynab last week, the Cambridge, Massachusetts, resident decided to skip his local cycle shops in favor of a Black-owned one a few miles away in Boston’s Dorchester neighborhood.At Spokehouse, a bike shop with “Black Lives Matter” painted in large bold letters outside, the pair picked out a simple, white-colored model and had training wheels and a white basket for its handlebars installed.Hashemian, who is set to earn his doctorate from MIT, said he’s been reminded in recent weeks of the outpouring of support he felt from the campus community when President Donald Trump imposed a ban on travelers from Muslim majority countries in 2017, including his native Iran.“It seems small,” he said of his bike purchase, “but a little show of support can mean a lot.”As the May killing of George Floyd by a white police officer in Minneapolis has fueled a worldwide outcry against racism and police brutality, many on social media are encouraging people to spend their money at Black-owned businesses. Lists of local retailers, artisans and manufacturers have been circulating on Instagram, Facebook and Twitter, helping Black-owned businesses raise their profile at a time when the coronavirus pandemic has ravaged the economy.According to Google, searches for “Black owned businesses near me” reached an all-time high last month in the U.S. Yelp has also made it easier for customers to search for Black-owned establishments on the restaurant review site, and Uber Eats says it’ll waive delivery fees for purchases from Black-owned restaurants through the end of the year.“It’s great seeing people realize that where they shop can be another form of activism, that it’s a way to put your money where your mouth is,” said Randy Williams, founder of Talley & Twine, a Black-owned watch company in Portsmouth, Virginia. “You’re helping Black businesses become self-sustaining, and that helps the whole ecosystem.”Sales at Talley & Twine these past few months are up more than 300% from the same period last year, partly because more people are shopping online during the pandemic, he said. But the company was also recently mentioned on a number of social media lists of Black-owned businesses, and its Juneteenth-themed watch sold out before the June 19 holiday commemorating the emancipation of enslaved African Americans, Williams said.In Los Angeles, cupcake sales and shipping orders on other sweets are up at Southern Girl Desserts after it was also mentioned on social media lists, said Catarah Coleman, co-owner of the bakery in the city’s Baldwin Hills neighborhood.“It’s not nearly the level of business we had before the virus, but it’s something,” she said. “If we only depended on foot traffic and folks just stayed in their own neighborhoods, I’m not sure we’d be able to keep going.”At Slade’s Bar and Grill in Boston’s historically Black Roxbury neighborhood, online gift card purchases and take-out orders are up significantly as the long running soul food and live music venue — which boasted Malcolm X, Muhammad Ali and Martin Luther King, Jr. as patrons in its heyday — is just starting to reopen after shuttering during the pandemic, said Shawn Hunter, the managing partner.“We’re definitely seeing white customers and customers from outside the neighborhood that we would probably have never seen before,” Hunter said.In nearby Dorchester, Kerri Thibodeau said she drove about half an hour from suburban Stoughton to shop at Pure Oasis, the state’s lone Black-owned retail marijuana shop and one of the few in the nation.The 35-year-old mother of two, who is white, said there’s a marijuana shop about five minutes from her house but she decided to support Pure Oasis after hearing that more than 0,000 worth of marijuana products were stolen from the shop during a large Black Lives Matter protest through Boston last month.“We really need to come together and show that it doesn’t matter the color of our skin,” Thibodeau said after buying some marijuana flower and pre-rolled joints last week.But the business boon hasn’t been without growing pains for some companies. Black-owned bookstores have struggled to keep up with a surge in orders, many of them for a handful of sold-out titles on race relations.In Boston, the owners of Frugal Bookstore, the city’s only Black-owned bookshop, say customers are already seeking to cancel orders and complaining about delays and poor customer service. The Roxbury shop, which raised more than ,000 through an earlier social media campaign to help it weather the economic downturn, said in a note to customers that went viral last week that 75% of the more than 20,000 purchases it’s received are for the same 10 books.At Spokehouse, the Boston bike shop, owner Noah Hicks hopes the interest isn’t a passing fad and that it leads to more concrete efforts to address the challenges facing Black entrepreneurs, including access to capital.Hicks said his nearly five-year-old shop’s sales have tripled this month, compared to last June, in part because bike shops are enjoying brisk business during the pandemic .The shop also received about ,000 in donations after it was robbed during last month’s unrest, though Hicks ended up donating about half to efforts benefiting the local Black community, including covering the costs for a “Ride for Black Lives,” a cycling rally in Boston this past weekend.“People being intentional about their economic purchases is refreshing,” he said. ”But we also want them to help tear down the systems that make it hard for us, not just spend their dollars with us.” 5660

White House chief of staff John Kelly told reporters on Friday that the White House's handling of classified material "wasn't up to the standards" he had previously seen in his governmental career.During an impromptu meeting with reporters after President Donald Trump had departed for the weekend, Kelly explained the security clearance process for White House officials."It came to my notice that the kind of things I was used to in (Department of Defense) in terms of the handling of classified material wasn't up to the standards that I'd been used to," he said.  580

When Mahdi Hashemian was looking for a bicycle for his 7-year-old daughter Zeynab last week, the Cambridge, Massachusetts, resident decided to skip his local cycle shops in favor of a Black-owned one a few miles away in Boston’s Dorchester neighborhood.At Spokehouse, a bike shop with “Black Lives Matter” painted in large bold letters outside, the pair picked out a simple, white-colored model and had training wheels and a white basket for its handlebars installed.Hashemian, who is set to earn his doctorate from MIT, said he’s been reminded in recent weeks of the outpouring of support he felt from the campus community when President Donald Trump imposed a ban on travelers from Muslim majority countries in 2017, including his native Iran.“It seems small,” he said of his bike purchase, “but a little show of support can mean a lot.”As the May killing of George Floyd by a white police officer in Minneapolis has fueled a worldwide outcry against racism and police brutality, many on social media are encouraging people to spend their money at Black-owned businesses. Lists of local retailers, artisans and manufacturers have been circulating on Instagram, Facebook and Twitter, helping Black-owned businesses raise their profile at a time when the coronavirus pandemic has ravaged the economy.According to Google, searches for “Black owned businesses near me” reached an all-time high last month in the U.S. Yelp has also made it easier for customers to search for Black-owned establishments on the restaurant review site, and Uber Eats says it’ll waive delivery fees for purchases from Black-owned restaurants through the end of the year.“It’s great seeing people realize that where they shop can be another form of activism, that it’s a way to put your money where your mouth is,” said Randy Williams, founder of Talley & Twine, a Black-owned watch company in Portsmouth, Virginia. “You’re helping Black businesses become self-sustaining, and that helps the whole ecosystem.”Sales at Talley & Twine these past few months are up more than 300% from the same period last year, partly because more people are shopping online during the pandemic, he said. But the company was also recently mentioned on a number of social media lists of Black-owned businesses, and its Juneteenth-themed watch sold out before the June 19 holiday commemorating the emancipation of enslaved African Americans, Williams said.In Los Angeles, cupcake sales and shipping orders on other sweets are up at Southern Girl Desserts after it was also mentioned on social media lists, said Catarah Coleman, co-owner of the bakery in the city’s Baldwin Hills neighborhood.“It’s not nearly the level of business we had before the virus, but it’s something,” she said. “If we only depended on foot traffic and folks just stayed in their own neighborhoods, I’m not sure we’d be able to keep going.”At Slade’s Bar and Grill in Boston’s historically Black Roxbury neighborhood, online gift card purchases and take-out orders are up significantly as the long running soul food and live music venue — which boasted Malcolm X, Muhammad Ali and Martin Luther King, Jr. as patrons in its heyday — is just starting to reopen after shuttering during the pandemic, said Shawn Hunter, the managing partner.“We’re definitely seeing white customers and customers from outside the neighborhood that we would probably have never seen before,” Hunter said.In nearby Dorchester, Kerri Thibodeau said she drove about half an hour from suburban Stoughton to shop at Pure Oasis, the state’s lone Black-owned retail marijuana shop and one of the few in the nation.The 35-year-old mother of two, who is white, said there’s a marijuana shop about five minutes from her house but she decided to support Pure Oasis after hearing that more than 0,000 worth of marijuana products were stolen from the shop during a large Black Lives Matter protest through Boston last month.“We really need to come together and show that it doesn’t matter the color of our skin,” Thibodeau said after buying some marijuana flower and pre-rolled joints last week.But the business boon hasn’t been without growing pains for some companies. Black-owned bookstores have struggled to keep up with a surge in orders, many of them for a handful of sold-out titles on race relations.In Boston, the owners of Frugal Bookstore, the city’s only Black-owned bookshop, say customers are already seeking to cancel orders and complaining about delays and poor customer service. The Roxbury shop, which raised more than ,000 through an earlier social media campaign to help it weather the economic downturn, said in a note to customers that went viral last week that 75% of the more than 20,000 purchases it’s received are for the same 10 books.At Spokehouse, the Boston bike shop, owner Noah Hicks hopes the interest isn’t a passing fad and that it leads to more concrete efforts to address the challenges facing Black entrepreneurs, including access to capital.Hicks said his nearly five-year-old shop’s sales have tripled this month, compared to last June, in part because bike shops are enjoying brisk business during the pandemic .The shop also received about ,000 in donations after it was robbed during last month’s unrest, though Hicks ended up donating about half to efforts benefiting the local Black community, including covering the costs for a “Ride for Black Lives,” a cycling rally in Boston this past weekend.“People being intentional about their economic purchases is refreshing,” he said. ”But we also want them to help tear down the systems that make it hard for us, not just spend their dollars with us.” 5660