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Hurricane Willa is nearing the Pacific coast of Mexico as a potentially catastrophic Category 5 storm, after experiencing what the National Hurricane Center called "explosive" strengthening over the past 48 hours.Willa's maximum sustained winds, as of Monday morning, were 160 mph, making it a top-of-the-scale hurricane. Its current intensity is slightly more than Hurricane Michael's when it made landfall in Florida's Panhandle less than two weeks ago.The storm has supercharged at an incredible rate since it formed over the weekend. From Sunday morning to Monday morning, Hurricane Willa strengthened 80 mph in only 24 hours, and went from forming into a tropical storm on Saturday morning to a Category 5 in less than 48 hours.The official forecast from the National Hurricane Center calls for Willa to weaken some before landfall, but the storm is still expected to be a major hurricane, likely still a high-end Category 4, when it makes landfall on Tuesday afternoon. 983

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

In a crisis, long-term planning may lose out to quick and dirty solutions — regardless of the consequences.As the pandemic and its economic fallout continues, more cash-strapped consumers could fall into this trap if the Great Recession is any indicator.A recent report by the Consumer Financial Protection Bureau found that from 2007 through 2010, debt settlements — which can be financially risky — increased. Meanwhile, credit counseling, a debt relief option that keeps consumers in good standing with their creditors, declined.Before you hit a moment of crisis decision-making, understand how to think through debt relief options.Why debt settlement isn’t all it’s marketed to beYou’ve probably heard the radio ads or maybe received a robocall promising a solution to your debt that can cut what you owe by 50% or more.Debt settlement claims are as lofty as the industry’s marketing budget. But these programs aren’t all they’re hyped up to be — and the ads gloss over the downsides.With debt settlement, you stop making payments to creditors and instead direct your money to the debt settlement company, which holds it in an escrow account. Then, typically after several months, the company contacts your creditors and haggles to cut a deal where the creditor accepts less than originally owed. This period of waiting between when you stop paying creditors and the debt is settled (which isn’t guaranteed) is where things can go awry.“There’s no free lunch,” says Glenn Downing, a Miami certified financial planner. “There really are some significant trade-offs with debt settlement. I’d try to make it a last resort.”Debt settlement risks include:Leaving yourself open to lawsuits: When you stop making payments to creditors and debts go delinquent, you can be sued by the original creditor or by a debt collector who purchases the debt. Until the debt is resolved, either through full payment, settlement or bankruptcy, you’re at risk of being sued.Owing a tax bill: The IRS considers any amount of debt settled as taxable income.Saving less than what was advertised: Debt settlement companies often take a fee of around 30% of your original debt balance. So even if you did settle for 50% of what you originally owed, you won’t come out as far ahead as you might expect after you pay the fee to the settlement company. Additionally, your debt can continue to grow when you stop making payments, as late fees and interest are added to your balance.Credit damage: Missing payments and defaulting on your debts are among the worst things you can do to your credit. These marks stay on your credit reports for around seven years and will make you look risky to future creditors, which can result in you not being approved for credit or having to pay higher interest rates.A better choice for long-term financial healthWhat if there was a way to roll multiple credit card payments into one, at a lower interest rate — while preserving your good standing with your creditors?That’s what nonprofit credit counseling agencies offer. These organizations have arrangements with many credit card companies that provide a lower interest rate in exchange for regular monthly payments over three to five years to resolve your debt.But many consumers aren’t aware of these benefits, according to a 2018 Harris Poll survey commissioned by Money Management International, a nonprofit credit counseling agency. It found that 62% of the 2,012 respondents didn’t know credit counseling can roll multiple credit card debts into one payment. And 73% weren’t aware that credit counseling offers lower interest rates on credit card debt.There are some drawbacks if you use a credit counseling agency’s debt management plan. You typically need a regular income to qualify, and if you miss a payment, the agreement can be dissolved, leaving you to manage on your own.But for the long-term health of your credit profile, credit counseling is the clear winner. This debt relief tool generally keeps consumers in good standing with creditors since they’re making good on their obligations. The only harm to their credit profile would come from closing credit accounts, which some agencies require.To find a reputable nonprofit credit counseling agency, look for one that has been certified by the National Foundation for Credit Counseling or the Financial Counseling Association of America.Know when a third option might be bestBefore choosing debt settlement or credit counseling, consider whether:You’re barely able to make regular debt payments.Your monthly debt payments — excluding student loans and housing costs — exceed 40% of your take-home pay.Your debt burden is interfering with your quality of life, for instance keeping you up at night.If so, you might want to consider bankruptcy. Although it’s been stigmatized, this debt relief tool can resolve what you owe faster than credit counseling or debt settlement. In addition, credit scores can start to rebound quickly in the months after filing.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletHow Credit Counseling Can Help YouDebt Settlement: How It Works and Risks You FaceWhen Bankruptcy Is the Best OptionSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 5312

IMPERIAL BEACH, Calif. (KGTV) - Mayor Serge Dedina delivered the annual State of the City address Monday night.The mayor spoke to a room full of government, community, and business leaders at Burress Auditorium. The address, lasting about 30 minutes, highlighted the cities accomplishments and outlined a vision for the future.“We have one of the safest cities in San Diego County,” Dedina said when discussing the cities crime rate. He also talked about many of the infrastructure projects ahead, as well as affordable housing. The mayor also addressed the elephant in the room at the end of his speech; the ongoing issue of water quality due to Mexican sewage runoff. Dedina reaffirmed the community’s commitment to fighting for clean water and beaches.“I seem to be talking about clean beaches a lot, and since I'm a surfer, that’s fine,” he said, “But we need to redouble our efforts to expand our skate park and senior center and build a swimming pool and do all the things that most communities take for granted.He also talked about the need for more water quality testing and the lawsuit that IB has filed against the federal government, for its role in allowing raw sewage from the Tijuana ?River Valley to flow into local beaches.“We’re in court right now, the federal government twice tried having it thrown out of court, they lost. We’re going to continue to fight. If they’re smart, they’ll settle because we’re gonna win,” he added. 1454

IMPERIAL BEACH (KGTV) — Some South Bay parents are upset after they say their elementary school abruptly canceled an annual Christmas tradition out of deference to families who do not observe the holiday.For years, students at Oneonta Elementary School in Imperial Beach had a December assembly featuring Christmas decorations, Christmas songs and a visit from Santa.This year’s December assembly was held Friday without a Christmas show. Teachers learned of the change Wednesday, according to 6th grade parent Jose Cariman.“No notice to the parents. No notice to the teachers, no advance notice for anything,” he said. “What are they teaching [the students]? Are they teaching them that Christmas is not allowed to be celebrated?”RELATED:San Diego students get 'epic' Christmas surprise from officersPadres players surprise San Diego elementary school students with new bikesVideo from the assembly in 2018 shows children in Santa hats singing Christmas songs on a stage decorated with the words “Merry Christmas” in at least four languages.6th grade student Alexis Sandoval said she was disappointed by the change, particularly for her younger siblings.“It was just super sad because we’re always used to having a nice, fun Christmas party, and now we just can’t have a party for some reason,” she said, noting the school began scaling back aspects of its holiday celebration last year.Oneonta has a new principal, David Trautman, who joined the school in July 2018, according to his LinkedIn page. Trautman declined to comment and referred questions to the South Bay Union School District.RELATED:Sweetwater Union High School District approves interim budget with million shortfallSan Marcos parents sound off against superintendent's hires“South Bay Union School District is dedicated to ensuring that all students, families, and staff feel welcome and included on our campuses and at all District facilities,” Superintendent Katie McNamara said in a statement.McNamara said the district serves a diverse community with a variety of beliefs, both religious and secular, and provided the following guidance to school employees before the holiday season: “While teaching about religious holidays is a permissible part of the educational program, celebrating religious holidays is not allowed in public schools.”“During the time of the year when major religious holidays are celebrated, it is important to remember that not everyone shares the beliefs of the majority,” she added.Miriam Martinez, a parent of a 2nd grader, said she doesn’t understand why some schools in SBUSD went forward with Christmas-themed assemblies when the celebration at Oneonta was canceled. “It’s upsetting because they look forward to it. And it’s unfortunate because not all of us can afford to take them to the mall to see Santa. So some of the kids just do it at school. This is where they get to tell Santa their Christmas list,” she said.A district press release mentions an event at Mendoza Elementary called “Irish You a Merry Christmas.” The event was sponsored by outside groups and held on a Saturday. A district spokesperson did not directly respond to a question about end-of-year assemblies at other schools. “Schools and classrooms have been decorated and are reflective of seasonal themes and many schools have had numerous festive programs,” McNamara said in the statement.Cariman and Martinez said they’d like to see Oneonta handle Christmas like it handles Halloween: parents who don’t want to participate can opt out, and bring their child to school late. Here is the full statement from Superintendent Katie McNamara: 3629

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