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In another sign of the times for retail, Lowe's is closing 51 North American stores.The home improvement chain said Monday that locations are underperforming and the decision will help the hardware chain focus on its most profitable stores and "improve the overall health of its store portfolio."Lowe's (LOW) is shutting down 20 stores in the U.S. and 31 in Canada. The company said that a "majority" of the shuttered stores are within 10 miles of another Lowe's location.The stores will be closed before Feb. 1, 2019. The company will try to find jobs at nearby stores for its employees affected by the closings."We believe our people are the foundation of our business and essential to our future growth," said CEO Marvin R. Ellison.Lowe's is struggling to keep up with its larger rival Home Depot. Ellison, who joined the company in May, has already made some big strategic decisions, including closing all of its Orchard Supply Hardware stores and slashing inventory at its Lowe's stores.The company cut its sales and profit outlook for the year. Its next earnings report is on November 20. 1102

IMPERIAL BEACH, Calif. (KGTV) - The cities of Imperial Beach and Chula Vistas, and the Port of San Diego, are suing the U.S. Section of the International Boundary and Water Commission for allowing sewage to flow from Mexico's Tijuana River Valley into the U.S. 268

Hundreds of rescue personnel dressed in white overalls are sifting through smoldering rubble and mangled cars, searching for the remains of the victims of California's deadliest wildfire.The Camp Fire killed at least 56 people in Northern California and turned the hardest-hit town of Paradise into ash and debris. In the devastating aftermath, cadaver dogs, deputies and coroners are searching the ruins where the town of 27,000 once stood.PHOTOS: California wildfires devastationWith at least 130 people unaccounted for and the number expected to go up, investigators will start collecting DNA samples from relatives of the missing Thursday. More than a quarter of Paradise's residents are senior citizens and most on the list of the missing are 65 or older."This is a daunting task. We feel really bad for the people who don't know what happened to their loved ones and our hearts go out to them," Butte County Sheriff's Investigations Sgt. Steve Collins said. "We want to give them some answers."In Southern California, two people were killed in the Woolsey Fire, bringing the total number of state fire deaths to 58. 1129

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

If you were considering cutting the cord in 2020, then this news may help convince you. Cable TV prices are increasing in the new year, with Comcast and DirecTV planning to raise their rates. 199