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The holiday season leads the mad dash to the end of the year for businesses, but this year’s dash may look entirely different because of the pandemic.“Especially the grassroots efforts, connecting with them face-to-face. Unfortunately, right now, we can’t do that. So, we need to be thinking about now, ‘How can we get in front of people more frequently?’” said Lacey Book, a business consultant specializing in helping small businesses succeed. “Essentially, we need to get in front of people and cut through the noise of everything else.”In these challenging times, she offered specific tips for navigating through December.Among her ideas:Make sure your business has a web presence that is easy to navigate. It's critical to reaching customers, who are now mostly shopping online.Reach out to repeat customers you’ve had over the months and years through email and social media.Create connections with other businesses by collaborating on marketing and see how you can help them. Being benevolent, she said, goes a long way.Discounts help as well“I think it would really be important to look at, ‘Where in my business can I offer maybe a discount or extend the opportunity for people to buy something at a lower price point?’” Book said. “Because people are also price shopping, where in the past, people were really able to find money for the things that they really wanted. But now, what they’re doing is spending money on what they actually need.”While these tips are aimed at helping businesses get through the pandemic, Lacey Book said it is likely some of the advice will be relevant beyond that, because our shopping habits and expectations may have changed for the long haul. 1694

The housing market has been strong in 2020, but as we head into 2021, it seems the market will continue to buck all home buying and selling trends.“It used to be true the home buying season was spring or summer when kids are out of school,” says Daryl Fairweather, chief economist for Redfin. “The pandemic has changed all that.”It's her job to study the market, follow migration patterns, and make sure both agents and customers are informed.“I predict that the early winter -- January, February -- is going to be an unusually busy home buying and selling season,” Fairweather says.Fairweather said people can move anytime and they're eager to get it over with when they've made the decision to relocate.“People want to move to places that really fit their preferences whether it's a beach town or a lake town or to be closer to their family, people are moving to places that they really want to live in, not just places that are close to the office,” Fairweather said.Jordan Thomas bought a home while the market has been hot.“It's a very quick process, buying was extremely competitive,” Thomas said.Thomas said she was among the many who decided the time to buy is now.“Because the interest rates were so great, I was able to get a really great deal on a larger home for myself,” Thomas said.She was the first to put in an offer on her Houston-area home. Six more offers followed that same day.“Because I was the first to put in the offer and I was aggressive with what I put forth, the first time around was the reason why I ended up getting the home,” Thomas said.And true to Fairweather's prediction about what people want in a home, Thomas was ready to renovate. Like others, she wanted an updated, larger kitchen and a bigger home office.“Two days after I closed on my home, I handed the key over my contractor and said ‘go to town,’” Thomas said.If you're looking at one of those "hot markets,” places like the suburbs, vacation towns, or mountainous and lake areas, Fairweather said, “My advice to buyers is that timing matters.”Fairweather added that buyers should be ready for competition. 2110

The millions of people who were unemployed this year may want to start planning now for tax season. Unemployment income is taxable.If you didn't already choose to have those taxes taken out, a CPA tells us there are other options.You could get ahead of it and make an estimated tax payment for the fourth quarter.The drop in income may also mean you're eligible for other deductions and credits, like the earned income tax credit or the child and dependent care credit.“That's an income-based one that's based on a sliding scale, depending on how much you make. So, if you made less money, you could see more of that,” said Lisa Greene-Lewis, CPA and tax expert at TurboTax.Questions on stimulus payments will also be part of your tax return. That money is not taxable.If you got too much, you do not have to pay it back. But if you didn't get the amount that you're eligible for, you can get it as a recovery tax rebate.While working from home, some people stayed in other states. That could potentially put you on the hook for two state tax returns, depending on how long you stayed there.Because of the 2017 tax law, deductions for working from home will mostly only apply to those who are self-employed.Self-employed workers could also be eligible for new credits. You can claim them when you file or estimate those credits and keep them in your pocket now.“If you were sick or you took care of someone that was sick or took care of a family member, there's a qualified sick and family leave credit, and they can be worth thousands of dollars,” said Greene-Lewis.The IRS hasn't said when the tax filing season will open, but it's usually in early January. 1667

The news of dogs?left tied up, abandoned by owners in Palm Beach County to fend for themselves during Hurricane Irma, disturbed many of you, and us.The question .. will Palm Beach County hold those pet owners accountable?  It's not something the animals asked for, to be abandoned by their families, for a storm. "Absolutely unacceptable. People need to be responsible pet owners in this community," says State Attorney Dave Aronberg."The animals should be a valued part of your family and they should be a part of your plan," says Animal Care and Control Capt. Dave Walesky. More than 50 dogs and 15 cats were surrendered to Palm Beach County Animal Care and Control. Around 38 other dogs, left to fend for themselves, mostly in the Glades area.  "Many of them were loose inside fenced yards, some were loose in the community where they just got turned loose or some were tied and left in small cages," says Walesky. "One of the dogs was left tied to a structure with a bowl of water and a bunch of bananas." It's not just sad, it's a crime. "And there is no excuse for leaving your pet behind to die. We are going to hold accountable those who we can prove left their dogs behind in the storm," says Aronberg.   1261

The Olmsted Locks and Dam project, located on the Ohio River between Illinois and Kentucky, has taken 30 years and billion to complete.  But after three decades, the project is slated to be operational in October.The engineers and workers behind the development say the investment is worth it."The Ohio flows into the Mississippi 16 miles downriver from us, and then it's open passage all the way down to New Orleans and into the ocean,” explains Mick Awbreyk, the Army Corps of Engineers deputy chief for the Olmsted Division. “There is no locks and dams from the Olmsted to the ocean."He says the innovative details that went into the project are “phenomenal and truly world class.”Awbreyk will see the opening of the project, which began in 1988.So, why has it taken so long to complete?“The nature of the project; a lot of different things have led to the duration,” explains Awbreyk of the timeline. “One: it hasn't been fully funded until calendar 2013, fiscal years 2014 and that’s the nature of civil works projects."The dam crosses one of the busiest shipping lanes in the United States. Awbreyk says about 91 million tons of goods on average come through the area per year.“The equivalent of 25,000 semi-trucks worth of cargo passes through this site every year,” says Awbreyk. “You can imagine the wear and tear on the interstates and the highways that would have an extra 25,000 vehicles that will be on there per day."The project's price tag has grown to around billion. Workers here say it's money Americans will see come back to them."It’s widely important. The return on investment on this particular project is 0 million per year to the nation,” says Awbreyk. “That’s a net number, so ultimately it’s a little under a billion price tag; it will pay for itself in five years.” 1817