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With many charities in need amid the coronavirus pandemic, Congress approved a program that allows Americans to write off up to 0 in charitable donations without filing an itemized return.The program, which was part of the CARES Act approved by Congress in the spring, is intended for those who take a standardized deduction. According to the IRS, 87% of tax filers take a standardized deduction.The IRS encourages tax payers to go to the “Tax Exempt Organization Search” in order to ensure the donation is eligible for a tax deduction. The IRS also reminds Americans to keep records of donations, such as obtaining a receipt of the contribution.“Our nation’s charities are struggling to help those suffering from COVID-19, and many deserving organizations can use all the help they can get,” said IRS Commissioner Chuck Rettig. “The IRS reminds people there’s a new provision that allows for up to 0 in cash donations to qualifying organizations to be deducted from income. We encourage people to explore this option to help deserving tax-exempt organizations – and the people and causes they serve.”More info can be found here. 1143

While answering a question about how she would rule in potential Supreme Court cases involving LGBTQ+ people's rights during her confirmation hearing Tuesday, Judge Amy Coney Barrett used the term "sexual preference" — a term classified as "offensive" by GLAAD.Barrett used the term while denouncing discrimination against gay and lesbian people, during questioning by Senate Judiciary Committee Ranking Member Dianne Feinstein, D-California."Senator, I have no agenda, and I do want to be clear: I have never discriminated on the basis of sexual preference and would not ever discriminate on the basis of sexual preference," Barrett said. "Like racism, I think discrimination is abhorrent."Later in the day, Sen. Mazie Hirono, D-Hawaii, followed up with Barrett about the term."Sexual preference is an offensive and outdated term. It is used by anti-LGBTQ activists to suggest that sexual orientation is a choice. It is not. Sexual orientation is a key part of a person's identity," Hirono said.In response, Barrett apologized, saying "I certainly didn't mean and would never mean to use a term that would cause any offense in the LGBTQ community. So if I did, I greatly apologize for that."The term "sexual preference" is generally deemed to be outdated. On its website, GLAAD lists the term on its website as "one to avoid" as it implies that sexuality is a "choice" that can be "cured."Instead, GLAAD says the preferred term to use is "sexual orientation," saying it is the "accurate description" of "an individual's enduring physical, romantic and/or emotional attraction" to another person.Prior to Barrett's initial comment, Feinstein asked how she would rule in potential cases regarding LGBTQ+ rights given the judge's relationship with Justice Antonin Scalia, who dissented in the case that gave gay people the right to marry in 2015.While Barrett gave credit to Scalia, her former mentor, in her opening statements, she stated multiple times during Tuesday's questioning that she would be her own judge."You'll be getting Justice Barrett, not Justice Scalia," if confirmed, Barrett said Tuesday. 2114

With a growing number of Americans getting tattoos, there is also a larger number getting them removed. New technology is allowing the process to be more complete with less scarring and blistering.  In some ways, users believe it can undo bad choices.A recent Harris Poll shows tattoos are particularly prevalent among younger generations. About half of millennials and a third of Gen Xers say they have at least one, compared to just 13 percent of Baby Boomers. One in eight millennials have regrets about at least one tattoo. The men who own and run "ReversaTatt" David Cope and Wesley Henderson, say they are helping people erase those regrets, one laser session at a time.When a person gets a tattoo, it's a memory of the start of a chapter in life.  They can remember the whole experience of choosing the design and the placement.  In some ways, the laser can offer a page turn into a new chapter: one without that tattoo.Two women, Stephanie Goodman and Stephanie Gray, each came to ReversaTatt recently seeking tattoo removal assistance."They all came from different places and they all have different meanings, but I'm going to keep all these ones, they're not going anywhere," explained Gray.  Gray came to ReversaTatt for her first session to remove a design along her neck.  She says the story why it's coming off is private, but she would like this tattoo to disappear."It was a name, yeah, so it's going to be gone," said Gray.After a consultation, Cope points the PiQo laser at her neck and says, "here comes the heat." In 13 seconds, he backs off. The first treatment is done.  While the pain is a bit more intense than getting the tattoo, according to Gray, it's over quickly. "It was nothing," said Gray."The red from this little stripe here is completely gone," said board certified physician assistant David Cope, pulling up his sleeve and pointing at part of his tribal arm band.  Cope said he got his own tattoo when he was in a medical program as part of a pact to finish. Now, years later, he was encouraged by patients to remove the tattoo to understand the procedure better, so he agreed. "This is kind of an ink explosion kind of feeling in your skin, so it's not just something you've felt before," said Cope.Now, on his second session, parts of the tattoo have completely disappeared and others have started to fade. Getting a tattoo removed by their PiQo laser requires short sessions, a month or so apart, five to 12 times over. Laser tattoo removal clients are 70 percent female, according to recent studies. A Harris Poll of U.S. adults surveyed online in 2015 showed 47 percent of millennials and 36 percent of Gen Xers have at least one, and they're exponentially more likely than their elders to have multiple.  Tattoo removal clinics have grown by 400 percent in the last decade.Click here for FDA suggestions regarding health and safety regarding tattoo removal.ReversaTatt says the laser they use does not cause blistering or scarring like previous methods. The results are more complete too.  Cope claims his clients' tattoos will disappear 98 percent to 99 percent. ReversaTatt has seven locations in Florida including Delray Beach, Boca Raton, Jupiter and Port St. Lucie. 3415

Whether planning necessary travel in the near term or fantasizing about vacationing in the ever-longer term, you might be curious how the coronavirus pandemic has affected airfare prices.We compared data from our points and miles valuations analysis to determine where and how airfare has changed since this time last year. We looked at the same routes, airlines and booking time frames for both 2019 and 2020, ensuring an apples-to-apples comparison.Although air travel has picked up significantly since the lows in April, the Transportation Security Administration is still reporting about 63% fewer daily screenings than this time last year. Has this drop in air travel demand led to a significant price drop?The short answer is: Yes, prices have fallen.Prices have dropped, but mostly in the short termThe average cost of a domestic round-trip ticket fell 23% in 2020, from 7 in 2019 to 4.This price drop is striking but not surprising given continued low demand. But the trend becomes stronger when breaking out the booking date data, with those made within 15 days dropping much further than bookings made six months in advance.The plot thickens.Airfare for long-term bookings has remained flat year over year. If you book a flight for six months from now, you’re likely to pay roughly the same price as you would have last year. But closer-in bookings, within 15 days, are not only far cheaper than they were in 2019 but also cheaper than long-term bookings.This turns conventional airfare-booking wisdom on its head. Usually, we would recommend booking flights as far ahead as possible to secure low fares. But booking too far in advance is now a recipe for getting fleeced.? Learn more: How to plan holiday travel for maximum flexibility in 2020What’s going on?The management of supply and pricing is usually an exquisitely orchestrated dance in which airlines ensure that every flight is filled to near capacity and every price is competitive. This usually means ramping up prices for nearly full flights at the last minute, when competition becomes stiffer.However, now that demand has dropped and airlines are actually falling over themselves to reduce flight capacity, the game has changed. Airlines are now competing with each other for last-minute bookings, which drives down prices. And they seem to be making up revenue by raising prices on longer-term bookings made by those few brave souls willing to plan in advance. In other words, it’s a buyer’s market for close-in bookings.Of course, these pricing dynamics, like everything this year, are liable to change by the week. If you’re thinking about booking a particular route, set up a price alert on Google Flights or another travel search tool and keep an eye on how the airfare winds are blowing.What do these unusual airfare trends mean for you? Keep it simple: Avoid booking months in advance, set up a price alert and try to shed the normal (and normally smart) habit of avoiding last-minute bookings.More From NerdWalletShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite Airlines(How) Should I Travel for the Holidays?Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. 3242

What to keep in mind with credit card bill payments (READ)Tips on handling your credit cards amid virus outbreak (READ)Help available for renters, homeowners struggling to pay for housing during pandemic (READ)3 ways credit cards can help you ride out a crisis (READ)SAN DIEGO (KGTV) -- Tens of thousands of people in California are being sued for not paying their credit card bills and other types of loan payments. The lawsuits are what's known as rule 3.740 collection cases."A lot of worrying after that, like oh my god, what am I going to do," said Chris Madden. "Stressed out now and just didn't need it."In February, Madden was served with a lawsuit from a debt collection company.During an interview with 10 News that month Madden said he needed to borrow money a few years ago to keep his car. He turned to a lender that could get him money quickly."I figured it was going to be a high-interest rate, like 22% or something," he said. "I started making the payments on it, and then I found out more about it."Madden admits he didn't do a great job getting all the details when he took the money, saying the interest rate wasn't clear. When he finally did look at the fine print, he saw the interest rate was 135%. Court documents show a ,000 loan turned into ,000 owed."They were threatening to take any assets that I have, garnish my wages," Madden said.Madden said he stopped paying. He's being sued by a debt buyer under what's known as a rule 3.740 collections case.According to the 2020 California Rules of Court, "Collections case" means an action for recovery of money owed in a sum stated to be certain that is not more than ,000, exclusive of interest and attorney fees, arising from a transaction in which property, services, or money was acquired on credit."Team 10 discovered a 157% increase in the number of rule 3.740 collections lawsuits filed in San Diego County court from 2015 to 2019. 1927