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Hundreds of people had their homes foreclosed on after software used by Wells Fargo incorrectly denied them mortgage modifications.The embattled bank revealed the issue in a regulatory filing this week and said it has set aside million to compensate customers affected by the glitch.The same filing also disclosed that Wells Fargo is facing "formal or informal inquiries or investigations" from unnamed government agencies over how the company purchased federal low-income housing tax credits. The document states the probes are linked to "the financing of low income housing developments," but does not offer further details. 637

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

IMPERIAL BEACH, Calif. (KGTV) -- The City of Imperial Beach announced Tuesday that it will be asking for a federal investigation into a toxic sewage spill at Playas de Tijuana that polluted U.S. beaches.According to the city, the spill on October 26 and 27 sickened local surfers at Imperial Beach, including Mayor Serge Dedina.RELATED: 'Stop the Poop' group protests cross-border sewage spillsWater testing by Tijuana Waterkeeper revealed elevated levels of pollution at Playas de Tijuana. Officials in Mexico have denied there was any sewage spill.“We are asking for State Department investigation into this sewage spill that significantly impacted public health in Imperial Beach. Like the massive February spill, it appears that authorities in Baja California who run the sewage agency, CESPT, are more concerned with covering up pollution than protecting public health,” said Imperial Beach, Mayor Serge Dedina.RELATED: Frustrated Imperial Beach mayor to file a lawsuit to protect city from Mexican raw sewage spill“Federal authorities in Mexico must improve efforts to provide real time information on spills so that we can protect the health of recreational beach users on both sides of the border,” said Mayor Dedina. 1243

If you’re a fan of tequila and cheap drinks, Applebee’s is offering a deal you can take advantage of all-August-long!Through the end of August, Applebee’s is serving up strawberry margaritas (or, more appropriately nicknamed “Strawberry Dollaritas”). To put into perspective, their all-day-long special is less than the price of a soda! The drinks are served in a frosty 10-ounce mug on the rocks with tequila, strawberry and margarita mix — the perfect combination to cool down during the sweltering hot summer.Operating hours and participating locations may vary so before heading out to your favorite Applebee’s location, the company suggest reaching out and making sure they offer the deal. 710

If you're flying across the planet in the next 12 months, you might want to think about routing that trip through one of Asia's top airports.Once again the region's aviation hubs are leading the world when it comes to passenger satisfaction, scooping top prizes in the prestigious annual Skytrax World Airport Awards.Maintaining its position at the top of that chart for an amazing sixth year in a row is Singapore's Changi AirportThe city-state's gleaming facilities fended off stiff competition from the likes of Doha's Hamad International and Hong Kong's International Airport."To be voted the World's Best Airport for the sixth consecutive year is a fabulous achievement for Changi Airport, and this award yet again demonstrates the airport's popularity with international air travelers," Edward Plaisted, CEO of UK-based Skytrax, said in a statement.The annual awards, which were held in Stockholm on Wednesday, are based on millions of airport passenger surveys and have been dubbed "the Oscars of the aviation industry." 1035

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