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An executive action President Trump issued Saturday on the deferral of payroll taxes could put more money in your pocket soon. Much is still unknown about how the order will be implemented, but experts say to keep a few things in mind before making plans for that extra cash.1. It’s temporaryMany employees have a 6.2% Social Security tax withheld from their paychecks and remitted to the IRS on their behalf by their employer. “The executive order defers the withholding, deposit and payment of the tax,” says Matthew Keefer, a certified public accountant at Gorfine, Schiller & Gardyn in Owings Mills, Maryland. The deferral period runs from Sept. 1 through Dec. 31.2. You may not qualifyThe deferral is available only to employees whose pretax wages or compensation is generally less than ,000 biweekly, which works out to around 0,000 a year. And currently it doesn’t apply to people who are self-employed, notes Pete Isberg, vice president of government relations at human resources services firm ADP.3. The taxes are due eventually“This is a deferral of taxes, not a forgiveness of taxes,” says Michael Graetz, a tax law professor at Columbia University Law School in New York. “So at the end of the deferral period, all of those taxes will be owed unless Congress changes the law to say that they’re forgiven.”4. Consider setting the extra money aside for nowIf your employer stops withholding and you see a boost in your pay because of it, you might want to hang on to that cash for now, Keefer says. “Unless legislation is passed, the deferred tax from the executive order will be repaid in the future,” he says. Another option, Isberg adds, is to tell your employer to withhold additional money by filling out a new form W-4 at work.Of course, not all households can afford to set money aside these days. Still, if you need the money from this tax deferral now, don’t lose sight of the fact it could mean a tax bill later.5. Some employers may just keep withholding the tax anywayIt can take time for employers to revamp payroll systems, especially if they’re not using a payroll processing company, according to Isberg. Also, employers can be liable for employment taxes, even if they don’t withhold them, he says. “Employers know that, and they’re going to realize that, ‘Look, if I do this, could the IRS come back to me in January and just assess the full amount that should have been withheld?’ Well, technically they can,” Isberg explains.Most employers won’t want to ask their employees to repay four months of taxes, Graetz adds. “This turns out to be a very complicated problem,” he says.More From NerdWalletSome Taxpayers Face a Desperate Wait for IRS RefundsHow to Work Around Delays in Major IRS FunctionsIRS Data: Refunds Lag as Agency, Tax Filers Slow DownTina Orem is a writer at NerdWallet. Email: torem@nerdwallet.com. 2862

As many Americans face months on end stuck indoors, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.Tell your insurer about your plansThere’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform the company of your plans and clarify your policy’s current coverages and limits. If your home costs more to replace after you’ve improved it, some insurers will pay the new expense to rebuild, but “that’s not every policy, and it may not cover everything you need,” Griffin says. He also recommends once a year reviewing what your home insurance policy covers.In some cases, you may need to change carriers to get the coverage you need. Frank Jones, an independent agent and partner at Mints Insurance Agency in Millville, New Jersey, has seen clients switch insurers because an addition wasn’t covered. “It’s in your best interest to have these conversations now rather than to have a claim denied,” he says.A new desk and computer for remote learning, plus that monitor and chair in your home office will add up and could exceed your personal property coverage limit.Renters insurance policies cover your stuff, but they have limits too. If you have new electronics or office equipment, check with your insurer to make sure you have enough coverage for them.Make an inventory of your propertyTo help you know if you’ve exceeded your policy limits, keep records of what you buy. In fact, Griffin recommends taking inventory of your belongings every year — a written inventory is best, but even a simple smartphone video tour of your home will suffice.Losing a home is an emotional time, Griffin says. When it’s time to file a claim, “you don’t always remember what you have.” An inventory will clearly show what you had before a disaster and will make the claims process easier.Add sufficient coverageStructural changes, such as a full kitchen replacement or adding an in-ground pool, will have the greatest impact on your homeowners insurance. But even something as simple as adding a fence can change the value of your house, and if your home’s value increases, so should its dwelling coverage, Griffin says. Otherwise, in the event of a claim, your insurance policy won’t be enough to rebuild, according to Griffin.When adding coverage, pay attention to how much it would cost to rebuild your home, not how much you spent to upgrade the house, according to Jones. “These are two different numbers,” he explains. “If an addition costs ,000 to put on, the insurance company looks at the rebuild construction cost, and you might not get that back.”Avoid pitfallsOn top of ensuring coverage, a proactive conversation with your agent could help you avoid potential renovation pitfalls. For example, he or she may advise adding building ordinance coverage to protect you from having to pay out of pocket for any expenses that keep your home compliant with local laws and regulations.For renovation projects that are too big to take on yourself, hire a licensed and bonded contractor who carries builders risk coverage to protect expensive construction materials from theft or damage while they are on your property. You can find one through a building trade association.And when you’re doing a home renovation project, take plenty of photos — before, after, and along the way, if you’re able. These could come in handy if you file a claim and need to redo the work.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWallet4 Home Insurance Pitfalls to Avoid During Hurricane SeasonLosing Employee Life Insurance Due to Job Loss: What’s Next?How to Get Cash From Your Life Insurance PolicyBen Moore is a writer at NerdWallet. Email: bmoore@nerdwallet.com. 4353

An open letter to @JoeBiden was published today as a full-color ad in the @WashingtonPost from Tamika Palmer - mother of Breonna Taylor. Here she not only calls on Biden to prosecute the officers who murdered Breonna, but to bring about the change & justice he promised her. pic.twitter.com/Ga71UkSvUI— Shaun King (@shaunking) December 15, 2020 362

As a third-grade elementary school teacher, Reed Clapp never imagined he would be finishing the school year sitting inside the living room of his home. But the COVID-19 outbreak had other plans for this teacher and so many others across the country.Undeterred by a nationwide pandemic, Clapp was determined to finish out this school year the same as any other: with a play that he and fellow teacher, Karen Snyder, have produced for the last five years.“This is one of the most challenging things I’ve ever taken on,” he said, sitting inside the living room of his home in Nashville, Tennessee.The name of the show Clapp and his class would perform in years past was called, “Grammarella,” a satirical production of Cinderella, where every student plays a part of speech. The character Interrogative, for example, can only speak in questions.On the last day of every school year, Clapp’s students would perform the play in front of their classmates at Madison Creek Elementary School in Hendersonville, Tennessee. It’s become such a hit over the years that there’s typically not an empty seat in the school’s library on opening afternoon, which is also closing night. There’s only one showing.But how could Clapp, harness that same kind of magic without his kids physically at school?After a few weeks of thinking, he decided the answer to that question was right in front of him: he’d move the play to Zoom, a virtual video platform.“Instead of saying, ‘we won’t have a play this year,’ we decided to say, ‘how can we do something that is original and something these kids are proud of?” he said.As summer vacation loomed, Clapp and his third-graders began to double down on their work. This energetic 33-year-old teacher with a thick southern drawl knew the script for “Grammarella” would have to be thrown out. So, he started from scratch and came up with an original screenplay, “Zoomarella.”Students auditioned for lead roles on Zoom, and they even practiced social distancing by picking up costumes that Mr. Clapp and Ms. Snyder had left outside on their front porches.Over the course of a few weeks, the play started coming together. Eight and 9-year-old students learned how to be punctual for rehearsal times, that instead of being held in the classroom, they were being held on Zoom. While Clapp’s original intent was to help students learn grammar, he quickly released that “Zoomarella” was teaching his students more important life skills.“Yes, they’re 8 years old, but when we say, ‘we need some light behind you,’ what we’re really saying is, ‘what can you do to put a light behind you?’” he explained.“These kids have become set designers, light designers, camera operators. It’s amazing,” he added.And for students facing isolation at home, rehearsals offered a sense of a vehicle for creativity that might have otherwise been lost when the school closed.“The stuff that has been the hardest is getting facial expressions and acting with your body. You have to use your body and facial expressions and not just when it’s your turn to talk,” explained 9-year-old Autumn Fair.Weeks of practicing finally paid off for Fair and her classmates, as “Zoomarella” was performed without a hitch during the last week of school. And even though the kids might not have been able to hear the applause through their Zoom meeting, Clapp says he couldn’t have been prouder of his kids.“I hope they take away a moment in time that’s been captured in a unique way. Instead of looking back on all this through news stories, they’ll have this play to look back on,” the proud teacher said.Watch “Zoomarella” below: 3619

As coronavirus cases reached a new high on Friday in the US, Dr. Anthony Fauci now believes a mask mandate is necessary to stop the spread of the virus.But Dr. Fauci acknowledges enforcing a mask mandate is a challenge. Adding to the challenge, officials in recent days say that family gatherings are becoming a significant reason why cases are growing throughout the US.“I think that would be a great idea to have everybody do it uniformly,” Fauci said in an interview on CNN on Friday. “And one of the issues though, I get the argument say, 'Well, if you mandate a mask, then you're going to have to enforce it and that'll create more of a problem.' Well, if people are not wearing masks, then maybe we should be mandating it."The University of Washington’s Institute for Health Metrics and Evaluation projects that near universal mask wearing outside of the household would save anywhere from 60,000 to 160,000 lives in the US between now and February 1.While many public institutions, such as grocery stores, restaurants, and other facilities have implemented mask and social distancing policies to help slow the virus, public health officials say smaller, more interment gatherings, are where many are letting their guard down.With colder weather setting in and major holidays upcoming, public health officials are becoming increasingly concerned as cases increase throughout much of the US.“Smaller more intimate gatherings of family, friends and neighbors may be driving infection as well especially as these gatherings move indoors and adherence to face coverings and social distancing may not be optimal,” said Dr. Jay Butler, deputy director of infectious diseases at the CDC. “I recognize that we are all getting tired of the impact that COVID-19 has had on our lives. We get tired of wearing masks but it continues to be as important as it’s ever been and I would say it’s more important than ever as we move into the fall season.”Health and Human Service Secretary Alex Azar agrees with Dr. Butler’s assessment.“We’ve got to keep focused on washing our hands, watching our distance and wearing our face coverings when we can't watch our distance and in particular being careful in household gatherings. This has become a major vector of disease spread,” Azar told CNN’s Jim Sciutto. 2303

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