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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

There are 7 billion people in the world. And a full 22% of them -- 1.6 billion -- are fasting from sunup to sundown. Every day. For an entire month.It's Ramadan, the holiest month of the Muslim calendar. But what if you're not a Muslim -- just a caring, considerate person. Is there anything you should do so you don't come across as insensitive to your fasting friends?Short answer: No. Long answer: No.But you can earn some cool points if you follow these 10 tips. 474

There is a good chance this pandemic is having you go to the gas station less often. Fewer trips to the store, after all, means fewer fill-ups.While that may be good for your wallet, it's bad news for governments who rely on gas taxes to fund transportation construction projects. THE ISSUEFor every gallon of gas you buy, 18 cents goes to the federal government and the Highway Trust Fund. That money is then used to pay for transportation projects around the country. Additionally, each state imposes their own gas tax which can range from 14 cents to 57 cents per gallon of fuel. States use that money to fund transportation projects of their own. Simple economics suggest that when Americans drive less, there will be a loss in revenue for states. States are also losing money with sales taxes, tolls and DMV registrations, which is making a problem even worse. WHAT'S BEING CANCELED"The state is collecting less of that money," Alison Black, Chief Economist with the American Road & Transportation Builders Association, said. Black's organization has been tracking which states are cutting projects.Currently, 14 states have announced project delays or cancellations, valued at nearly .5 billion. These include Florida, Georgia, Hawaii, Kentucky, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Ohio, Pennsylvania, Vermont, Washington, and West Virginia. There are 19 local governments and authorities that have announced project delays or cancellations, totally more than .54 billion. Ten states or local areas have vetoed, canceled, or postponed legislative initiatives or ballot measures related to transportation funding because of the pandemic. This includes several major initiatives in California's self-help counties. RELIEF COMING?Many states are lobbying for Congress for a bailout, but that is far from certain. While President Donald Trump, this week, did cut environmental regulations to speed up infrastructure projects, his announcement doesn't address the funding gap. 2017

Thursday marks National Coming Out Day — an LGBTQ holiday that encourages young queer people to be comfortable with their sexuality and live an open lifestyle.2018 marks the 30th anniversary of the first National Coming Out Day, first celebrated in 1988. According to the Human Rights Campaign, the day was started by gay activists Robert Eichberg and Jean O'Leary. Recognized by all 50 states, the day is celebrated each year on the anniversary of the Second National March on Washington for Lesbian and Gay Rights, which took place on Oct. 11, 1987.As a psychologist, Eichberg wrote extensively on the act of "coming out" to friends, family and coworkers. in 1978, he established "The Experience," a community workshop in Los Angeles that encouraged young  LGBTQ people to live an openly gay lifestyle among friends and family.According to Eichberg, when LGBTQ people lived an open lifestyle it made their friends and family more likely to be accepting of queer lifestyles. It also encourages other gay people to live openly and helps develop a support network for those who may be struggling with their sexual identities.The Human Rights Campaign has published a resource guide to coming out, which you can read below. For more information on the Human Rights Campaign and National Coming Out Day, visit the HRC's website.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider.  1471

This year has brought a lot of changes for everyone and there could be a chance that those changes could translate to savings on your insurance policies.Bankrate is encouraging people with home and car insurance to take a fresh look at their policies.“You could save anywhere from a few dollars to a few hundred dollars, but it is going to depend on location, it is going to depend on your lifestyle, and how it has changed vs the past. So, it is worth comparing and really kicking the tires on various insurance policies from different companies,” said Stephen Kates, Insurance Analyst at Bankrate.There are several lifestyle changes that could have happened this year.Many people took on home improvement projects during this pandemic. Some of those may have included adding safety features to our home, which can help save money on home insurance.A lot of Americans are also driving a lot less now, which can help with car insurance.“If you're working from home, like a lot of us, you're probably driving significantly less than you used to and that's something you can bring up to your insurance carrier because that can significantly reduce the amount you pay for your premium,” said Kates.Insurance policies haven't necessarily changed, but the way insurance companies look at lifestyle changes may have changed, so it's worth checking in on your policies. Experts at Bankrate suggest doing so at least once a year. 1429