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What does defunding the police really mean?From Los Angeles to Minneapolis to New York City advocates are pushing for widespread police reform in the form of reduced police budgets. HOW MUCH WILL BE CUT?So far, American cities are taking a slow approach to the demands of advocates. Leaders in Minneapolis, the site of George Floyd's death, have called for the most significant changes with City Council agreeing to dismantle its police department. Los Angeles' Mayor is calling for 0 million budget cut. Minneapolis' City Council is exploring a 0 million cut. New York City's Comptroller has called on the Mayor to cut the NYPD by .1 billion over the next four years. Depending on the number, cuts to police departments could mean fewer officers and most likely fewer programs offered by police departments. WHERE DO ADVOCATES WANT THE MONEY TO GO?In short, leaders in the Black Lives Matter movement want the money currently allocated to police to be re-invested in communities instead. That could take the shape of city development in an often forgotten part of town or in mental health awareness campaigns. Homeless outreach and improved educational opportunities have also been mentioned. NPR recently profiled an effort in Eugene, Oregon, that dispatches social workers to certain emergency calls instead of officers. Advocates support measures like that as well. WILL CRIME INCREASE?You can't have a discussion on defunding police without exploring the possibility that crime could increase. But there is evidence that crime can actually go down with fewer police officers. A 2017 study found that when NYPD reduced its proactive policing polices in 2015 and 20`14, the number of criminal complaints filed actually decreased in New York City. The Fraternal Order of Police though disagrees. Sgt. Robert Pride, who met with President Trump at the White House this week, said he believes more officers would want to leave law enforcement if major programs were defunded. "That's not a profession I want to be apart of," Pride said. WILL THIS ACTUALLY HAPPEN?Police reform has been talked about before but never on this scale. It will also depend on whether the political pressure on city councils and mayors across the country continue. The "defund" movement is likely in its very early stages. 2316

With no new stimulus bill, many Americans are approaching a financial cliff. Their unemployment benef

When "Saturday Night Live" returns to the airwaves in October, they'll be "live from New York" once again.The comedy sketch show announced it on Twitter with a 12-second video. 184

When Tim Frye retired from his job as a project manager in 2017, he envisioned traveling the U.S. in an RV with his fiancée. But not long after spending about a quarter of a million dollars on a luxurious, 39-foot 2014 Forest River Berkshire motorhome, his fiancée left him — and he was left with a very expensive vehicle in his yard.“I could sell it, but I’d lose a ton of money because I had just bought it and wouldn’t be able to get the full value back,” Frye said. “Or I could rent it out.”Frye, who lives in Flower Mound, Texas, opted for the latter, posting his motorhome on online RV rental marketplace Outdoorsy, which is essentially Airbnb for motorhomes and campervans. Owners coordinate with renters on a meetup spot and handle the vehicle maintenance and cleaning. Outdoorsy handles the booking requests, transactions and RV insurance.In his first two years renting his RV on the site, business already was good for Frye. But everything changed when coronavirus hit. And for Frye’s RV business, things changed for the better.“This is the king of side hustles for me,” Frye said.The coronavirus impact on RV rentingPortland-based Adam Clayton has two 2017 Winnebago Travato campervans available for rent on Outdoorsy. Before the pandemic, Clayton said both RVs were booked solid through October 2020. Given his location about 15 minutes from Portland International Airport, Clayton frequently catered to international visitors looking to road trip through the Pacific Northwest.But when the pandemic hit, all his out-of-towners immediately cancelled their reservations. With Oregon state parks closed, business was slow in March and April. But as parks reopened, Clayton saw a quick uptick in locals. Eager travelers converted from cruising to camping. They ignored international travel in favor of national parks. And that meant a sudden uptick in people looking to rent or buy RVs.It was a similar situation for Andrew Carson, who rents his RVs out of his home in Fredericksburg, Virginia.“As of early March, we had 11 reservations set up throughout the summer, yet once COVID hit, every single one canceled,” he said. “We panicked, thinking, ‘what have we gotten ourselves into?’ But once things started opening back up — around April — RVing became the hottest thing in America.”By May, he had already been booked for 120 days straight. Frye was especially lucky; he never even saw an initial dip.“People came to me because they had trips planned, but suddenly their hotels had canceled on them,” he said. “People were scrambling to find places to stay.”Frye says his bookings are up an average of 70% year-over-year. But while business is up, most RV owners agree that the type of business has massively shifted. It’s a lot of first-timers (Carson estimates about 70% of rentals this year were to first-timers), which means owners have to spend more time with renters during the initial walkthrough, and there’s higher odds of renters running into issues simply for being novices.With the usual RV-friendly spots off the list as music festivals remain canceled and many ski resorts are still closed, people are also shifting where they’re headed.“I’ve already booked two customers who are driving my RV to their parents’ houses,” Clayton said. “Rather than stay inside the parents’ house, they’re going to park in the driveway.”How much money can you make renting out an RV?RV rental marketplace RVshare estimates that owners of Class A RVs (those are the largest, most luxurious of the motorized RVs), can earn as much as ,000 per year through their site.There are also some costs involved, however:Commission fees: Online RV rental marketplaces typically charge a commission. Outdoorsy takes a 20% cut of the total reservation cost. RVshare is less transparent about fees since the commission rate correlates with revenue, but owners say it’s typically a 25% cut.Monthly payments, insurance and maintenance: If you’re financing your RV, you’ll have to make monthly loan payments, which likely also means interest and fees. Plus, factor in expenses like maintenance and RV insurance.Storage: RV storage can also be pricey if you don’t have your own garage to store it in. Expect to pay at least ,500 a year — and even more if you’re in a high-cost-of-living area or have an especially large vehicle.But still, it’s a lucrative side hustle. Frye said after accounting for all those costs, he still pockets ,000 annually on his single RV.Virginia-based Carson owns two Class C motorhomes (those are often referred to as mini-motorhomes). Between insurance and monthly payments on his two RVs, he pays about ,400 a month in RV-business related expenses — which easily pay for themselves. Carson said that this summer he grossed ,500 per month between both RVs.Considerations when getting into an RV-renting side hustleHigher-end vehicles typically work out to be better long-termFrye’s RV is a Class A motorhome, which is essentially a full house on wheels that’s big enough to stand up straight inside, has a full kitchen and bathroom, and sleeps multiple people.While they’re more expensive, Frye said he believes Class A motorhomes more easily retain their value versus a cheaper RV, like a campervan. He also said that since the RV is more expensive for renters, it attracts clientele who are more likely to take care of it.It’s good income, but it’s not passive incomeOwning an RV requires regular work. There’s annual maintenance, but there’s also work to be done with every rental. Between doing laundry, power washing the outside and wiping down the inside, Carson estimates he spends three to six hours cleaning the RV after every trip. He also spends about 30 minutes on the pre-rental walkthrough (and sometimes more if the renter is a newbie). Plus, he spends hours each week scheduling and communicating with renters online.Accept that they won’t be returned in perfect conditionWith strangers driving your RV, it’s bound to get dinged up, especially with more first-time RV renters. Even though RV experts will usually tell you they’re not as hard to drive as you might think, they’re still much tougher to navigate than your average small sedan.“You can’t be too emotionally attached,” Frye said.While sites like Outdoorsy do provide insurance, Frye still acknowledged that putting your RV up for rent is not for you if you’ll be flustered by every little scratch.“If they’re seriously damaged, Outdoorsy insurance pays for it,” Clayton said. “But if it’s something smaller — like a faucet breaks — I just fix it. It’s a business, so treat it like a business. If something gets scratched, don’t freak out.”Location mattersFrye attributes his Texas location as a big factor in maintaining consistent bookings year round, as opposed to owners up north who experience a dip in bookings once it gets colder.And specific locations within that area make a difference too. Carson lives just off of Interstate 95, the main highway along the East Coast, which means easy access for road trippers headed up to Maine or down to Florida.Getting into the RV business nowWith road trips surging in popularity, it’s a lucrative time to adopt RV renting as a side hustle. But if you don’t yet actually have an RV to rent out, good luck.Just before COVID-19 was part of the lexicon, Clayton had run the numbers and was committed to buying a third RV to build his small business sometime in 2020. But just as the rental business is booming under COVID-19, so is the business of owning one.“Every Class B RV — even if it does go on Craigslist — is now exorbitantly priced,” he said. “My only regret prior to all this is that I hadn’t purchased four RVs.”Frye is in a similar boat as Clayton; three years after buying his RV with a fiancée who has since left him, his only regret about buying one RV is not buying more RVs.“The RV market is so hot right now,” he said. “I’m trying to find another one to buy, but suddenly since the coronavirus hit, everyone wants to buy an RV.”And Frye has one more personal reason to add more RVs to his collection: He’s since met someone new — and she and her daughter both love RV camping with him.More From NerdWalletRenting Hotels for Big Events Is Dirt-Cheap … for NowAsk a Points Nerd: How Can I Celebrate the Holidays Without Travel?4 Benefits You Need From Your Travel Credit Card in 2021Sally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 8451

When you enter the building at Daybreak Senior Services, pictures of blushing brides and anxious grooms greet you.“This is such a historic place,” said Scott Rasmussen, as he looked at the dozens of pictures lining the walls.Although the fashion trends may have faded, the memories have not.For 50 years, the building was a reception hall. It was a place of celebration, a symbol of new life beginning. Now, it’s a home base for those not ready to give up on life.“It’s a gap that needs to be filled and that’s why we’re here,” said Rasmussen, who is the program director at Daybreak Senior Services.Some days, that means joining a rousing game of indoor badminton or laying down the law playing some board games.Instead of wedding gowns, everyone now wears masks. Though you can’t see the smiles, you know they’re under there."One of our participants loves coming here and she calls it, ‘the club,’” Rasmussen said. “She tells everyone that she wants to go to the club, and I think it’s because we’re doing cool stuff.”Sure, they are doing cool stuff, but the biggest goal for Rasmussen is to help seniors from feeling isolated and alone."It is a real thing,” Rasmussen said. "I’ve known seniors that get so depressed that they say they’d rather just be done than have to go through another week of this because it’s just too hard.”Rasmussen said there is a real need in our country to help seniors who aren’t quite ready for full-time assisted living but are not getting all they need at home."If you’re loved one is just staying home all the time, they’re missing out on a part of their life, where they'd still be growing even as an advanced age 65 to 105,” Rasmussen said. “We can always still be growing.”The adult day care partners with programs through the VA and Medicaid and participants can drop in whenever they want. Programs like this are available all over the country."We love all of our participants. We absolutely love them, and we love what we do here because it’s such a valuable thing,” Rasmussen said.COVID-19 may be affecting their numbers some, but Rasmussen says it’s even more reason for people to reach out to their loved ones and check-in.“You need to just ask those questions, because if you don’t ask you just have a feeling of despair and it just gets harder and harder and that makes it difficult on everyone,” Rasmussen said.There may not be a lot of dancing going on or tossing of bouquets but there is hope and commitment to keep on going. 2482

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