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This holiday season, a word of caution from charity experts. If you're able to donate, make sure you do your homework, and make a plan for your money so that it supports a worthy cause.Court documents from September detail a four-state investigation that shut down a sham charity, which, according to investigators, bilked consumers out of millions. They claimed to use donations to help homeless veterans, breast cancer survivors, and disabled law enforcement. But the real people in need got next to nothing."The fraudsters out there are relying on your generosity your good wishes, the fact that you can’t say no when somebody says something like veterans or children or breast cancer- they want to tug on those heartstrings," said Yael Fuchs, President of the National Association of State Charity Officials (NASCO). "NASCO was formed so that state charity regulators can talk to each other, so that we can learn from each other, so that we can share tips and make sure that we are coordinating our enforcement efforts.”They often work together to take down the bad guys. And when they're not doing that, they're proactively following fundraising drives. “Do we see exorbitant amounts of money going to professional fundraisers- do we see big upticks in the salaries that the leaders of the charity are making,” Fuchs said.They look for ways in which people are being taken advantage of. So, how do you know who's good and who's not? Enter organizations like Charity Navigator. “We’re a database with all of the registered nonprofits in the United States,” said Michael Thatcher, President, and CEO of Charity Navigator. Thatcher says the company has grown to be the largest independent evaluator of nonprofits in the country. Basically, they give you all the tools you need to make the right decisions when it comes to donations.“Never charge the donor for access to the information and never charge the charities to be evaluated so you eliminate any potential conflict of interest,” Thatcher said If you're looking to give this year, he recommends focusing on how the organization is run, how they're making a difference in the world. Review their financial data, and ask questions - lots of questions. "How have they pivoted around COVID and how have they stayed true to their mission and also stayed in business?" Thatcher added.NASCO recommends you do extensive research. And be specific about the "cause" you want to support. “Where is my money going- how will it be used? What we always want people to remember is you don’t want to give to a buzzword you’re not just giving to a cause you’re giving to a particular charity so you want to be able to trust that charity to understand what their programs are.” The need will be big this year. And donations will be unpredictable. So, experts also say, make a plan, talk to your family, and give with intent so that your donation goes where it's supposed to. 2923
Those working from home could soon have the option of moving their home temporarily to the island nation of Barbados.According to the Barbados Government Information Service, the country is working on a 12-month “Welcome Stamp” that would allow “persons to come and work from here overseas, digitally so, so that persons don’t need to remain in the countries in which they are.” Prime Minister Mia Amor Mattley said the concept is being refined right now.Barbados is an island on the southeastern side of the Caribbean.“But in order for those things (long-term travel to and from Europe or the U.S.) to truly resonate, what does it mean? It means that what we offer has to be world-class and what we continue to offer is world-class,” Mottley said.The prime minister also called on those living in Barbados to help by doing their part during the pandemic. “If the first tourist is a Bajan, then they must equally, also be the first promoter and the first protector,” she is quoted as saying.Barbados has reported 103 cases of COVID-19 since the pandemic started, and seven deaths from the virus. The island has a population of just under 300,000.Her comments came during a reopening of a restaurant in St. Lawrence Gap on the south side of Barbados.Curfew restrictions in Barbados were lifted in July, and beaches and parks do not have limited hours. Social gatherings are limited to 500 people and social distancing is required in public.According to the U.S. embassy in Barbados, flights to the island resume over the next few weeks depending on the airline. Health screening and wearing masks is required at the airport, and a COVID-19 test will be done upon entry with some travelers being monitored for symptoms for up to 14 days. 1743

Thousands of pages of interview transcripts with the participants of the June 2016 Trump Tower meeting shed new light on how eager Donald Trump Jr. and senior members of the Trump campaign were to obtain damaging information on Hillary Clinton — and how frustrated and angry they were that the material did not come to fruition.The nearly 2,000 pages of interviews do not appear to contain information that would change the course of special counsel Robert Mueller's investigation into Trump's team and Russia. But the transcripts released by the Senate Judiciary Committee fill in new details about how Trump Jr., President Donald Trump's son-in-law Jared Kushner and then-Trump campaign chairman Paul Manafort were expecting a bombshell from Russian lawyer Natalia Veselnitskaya.Rob Goldstone, the British music publicist who arranged the Trump Tower meeting, told the committee he was anticipating a "smoking gun" from Veselnitskaya when he urged Trump Jr. to take the meeting, even though he thought it was a "bad idea and that we shouldn't do it.""I just sent somebody an email that says I'm setting up a meeting for someone that is going to bring you damaging information about somebody who was running to become the President of the United States," Goldstone said. "I thought that was worthy of the words 'smoking gun,' yes."The Senate Judiciary Committee's release Wednesday of the Trump Tower transcripts and hundreds of pages of exhibits provide the most comprehensive view yet into the circumstances surrounding the controversial meeting and the details of the roughly 20-minute encounter, in which Trump's team was expecting dirt from Veselnitskaya.The meeting -- and whether President Trump knew about it -- has become a central focus of Mueller's investigation into Russian meddling in the 2016 election, as well as the congressional Russia investigations. Trump Jr. has told House investigators that he did not communicate with his father about the meeting before it happened. The White House has said the President weighed in on a misleading statement his son issued after the meeting became publicly known, more than a year later.Trump Jr. — who had emailed Goldstone ahead of the meeting about the dirt, "if it's what you say I love it" — told congressional investigators he was interested in "listening to information" about Clinton in the June Trump Tower meeting. "I had no way of assessing where it came from, but I was willing to listen," he said.Trump Jr. also said he did not inform his father about the meeting ahead of time, because he didn't want to bring him "unsubstantiated" information.And when the damaging information didn't materialize, as Veselnitskaya focused on US sanctions on Russia under the Magnitsky Act that the US passed to punish Russian human rights abuses, the testimony gives new insight into how Trump's team reacted."Jared Kushner, who is sitting next to me, appeared somewhat agitated by this and said, 'I really have no idea what you're talking about. Could you please focus a bit more and maybe just start again?'" Goldstone said of Kushner, who was not interviewed by the committee. "And I recall that she began the presentation exactly where she had begun it last time, almost word for word, which seemed, by his body language, to infuriate him even more."But there is also discrepancy between the meeting participants about how long Kushner was present. While Kushner and Trump Jr. have said the now-White House senior adviser left in the middle of the meeting, others who were there told the committee they remembered Kushner staying the whole time.The committee on Wednesday released transcripts and hundreds of pages of related material from nine people connected to the meeting. The documents contain a record of closed-door committee interviews with five of the eight meeting attendees, including Trump Jr., Goldstone, Russian-American lobbyist Rinat Akhmetshin, translator Anatoli Samochornov and Ike Kaveladze, a Russian with ties to oligarch Aras Agalarov.Following the documents' release, Trump Jr. said the transcripts show he "answered every question asked.""I appreciate the opportunity to have assisted the Judiciary Committee in its inquiry," Trump Jr. said in a statement, "The public can now see that for over five hours I answered every question asked and was candid and forthright with the Committee. I once again thank Chairman Grassley and Ranking Member Feinstein, as well as other members of the Committee and their staff for their courtesy and professionalism."The committee's documents also included responses from Veselnitskaya, as well as a statement from Kushner and a page of notes from Manafort. The committee also included the formal release of the transcript of Fusion GPS co-founder Glenn Simpson, who was not at the Trump Tower meeting but whose transcript was unilaterally released in January by Sen. Dianne Feinstein, the top Democrat on the Judiciary Committee.In January, Senate Judiciary Chairman Chuck Grassley said he planned to release the transcripts because the committee's interviews connected to the Trump Tower meetings had wrapped up. Democrats had pressed Grassley to subpoena Kushner for his testimony or schedule a public hearing for Trump Jr., but he chose not to do so following Feinstein's decision to release the Simpson transcript. 5357
Title insurance: It’s another one of those mysterious fees buried inside the pile of paperwork you’ll receive at your loan closing. Who knows what it’s all about? All you’ve figured out is that lenders require a policy for their protection, and either you or the seller will have to pay for it — and then you’ll be asked if you want an owner’s title policy, too.Here’s how title insurance works, how to decide whether you need your own policy, and how much you can expect to pay. 492
There have been 12 Hurricane Irma-related deaths throughout the state of Florida, Alberto C. Moscoso, a spokesman for Florida Division of Emergency Management, said Tuesday evening.As nightfall approached Tuesday, many people from South Carolina to Florida were staying in darkened homes, dealing with fallen trees and blocked roadways, and hoping they could find gas.The situation in the Sunshine State was trying the patience of people who rode out the storm and those who came home to find widespread devastation and access to their neighborhoods limited at times.Photos of Hurricane Irma's destruction?Power outages in Florida affected almost 5 million homes, organizations and businesses, among them gas stations, which need the electricity to keep pumps working.Two days after Irma made landfall on Cudjoe Key, authorities and a few residents were finally able to reach some of the Florida Keys on Tuesday.What they found was devastating: Based on initial estimates, 25% of the houses on the chain of islands have been destroyed, the Federal Emergency Management Agency said Tuesday. Another 65% suffered major damage."Basically, every house in the Keys was impacted some way," FEMA Administrator Brock Long said.It's still not clear how many casualties Irma caused on the Keys.It's a long wait for those sifting through what's left of their homes throughout Florida in the oppressive heat and high humidity -- doing so while they wait for the power, and thus the air conditioning, to come back on.All customers who lost electricity on the eastern side of the state will likely have power restored by the end of this weekend, Florida Power & Light said Tuesday.An FPL official told reporters at a Broward County news conference that of the 790,000 customers in that county who lost power, 330,000 had their electricity restored Tuesday.The company is focusing its efforts first on schools, hospitals and other critical infrastructure. Gas stations and restaurants are next on the plan, the official said.Customers on the west coast of Florida, where Hurricane Irma made its final landfall, will likely have power restored by September 22, the company has said.But residents like William Rose have bigger concerns. Rose still can't reach his family on the Florida Keys, where about a quarter of the islands' houses are annihilated.He's not sure whether his mother, stepdad, grandmother and aunt survived Irma's wrath."I have no idea, but I'm trying to stay positive," Rose said.Before the Keys lost cellphone service, Rose received a text from his mother, who chose not to evacuate."This is terrible. I will never do this again," the text read. "I'm so glad you got out." 2688
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