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If you own a 2018 or 2019 Jeep Wrangler, get ready for a recall. According to documents posted to the JL Wrangler Forum, Fiat-Chrysler will soon be launching a recall that covers “certain” 2018-19 Wranglers because a faulty weld in the frame can cause a sudden crash.More specifically, the documents state some of the vehicles may have been built “with a front bar bracket weld located off the seam potentially resulting in the bracket separating from the frame.” If that happens, there may be a reduction in steering response, resulting in a crash without warning.At the time of this story, car owners had not yet been notified and the recall hasn’t been made official on the National Highway Traffic Safety Administration’s website, but the posted documents show dealerships are aware of the impending recall. Some of the vehicles involved in the recall have actually not even been sold yet, so dealerships are being told to withhold sales.  991

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

I love a flyover but It was odd to see one over a mostly empty stadium but I am an unwavering patriot that loves this country, has always respected our flag, supported the men and women in the armed forces as well as those in uniform who serve & protect and for anyone to suggest— Troy Aikman (@TroyAikman) October 20, 2020 335

In an industry like cosmetology, where all services revolve around hair, skin and nails, getting up close and personal to people is a big part of the job.For those looking to make a career in the beauty business, the pandemic is taking a toll. “I had 84 students pre-COVID,” said Donna Kramer, executive director at Empire Beauty School. “I have 72 right now.”Kramer says COVID-19 initially caused the campus to close.It’s recently reopened with new restrictions set by the local health department. Class sizes are smaller, fewer clients can come in due to social distancing and all students have to wear masks.The area that’s taken the biggest hit, however, is attendance.“It’s kind of toying with people’s personal lives,” Kramer said. “We’ve had students that have had to miss a lot of school because of daycare issues. We’ve had students that have had to actually stay away temporarily because their spouses.”According to the U.S. Bureau of Labor Statistics, employment of hairstylists and cosmetologists is projected to drop by 1% by the end of the decade, which is leaving many students concerned that their career opportunities might be going down the drain.“I know a lot of students kind of have that fear of not being able to find a job now with COVID,” said Alexis Lovato, a cosmetology student at Empire Beauty School.Lovato says many of her classmates are concerned about their employment options once their training is complete.“I think a lot of its just worried about being placed and what’s going to be available for them after their graduation,” she said.Kramer says despite the challenges, students are still getting their hours in and while hands-on training may be a little different, it’s a style they can adapt to.“This industry is going to really flourish once we can get through this,” she said. 1826

If you thought your 2020 stress would magically disappear after the yelling stopped, you might have been surprised to find that you were still worried after the results of the presidential election.“For the majority of people, the stress actually didn’t decrease,” said Vaile Wright, a psychiatrist and also a member of the American Psychiatrist Association. The group recently released some numbers that might explain your extra high heart rate.According to the survey by the APA, 17% of Americans did have their stress go down. However, almost 30% said their stress increased.And it’s not a party issue. Over 80% of Democrats, Republicans, and Independents all listed the future of our nation as a significant source of stress“It’s not just whatever side won, it happens to be everybody right now really being concerned about the future of the nation,” said Wright.And three-fourths of Americans are still seriously stressed about the pandemic“We’ve seen increased levels of stress related to the federal response around the pandemic and that really does come down to the inconsistent messaging that we’re seeing. Different people are disproportionately affected by the pandemic specifically, but I don’t think anyone is related to the stress of it, especially as the numbers continue to climb,” said Wright.But it’s not all doom and gloom. Vaile says that there are some things happening that may help lower your blood pressure.“If we can hear some more good news, health news, like effective vaccines move to the market. The more that we have information that’s clear and consistent, that’s science based and that comes from reputable sources, I think those are the kinds of things that can reduce stress,” said Wright.Better coronavirus news combined with the possibility that President-elect Joe Biden can do a better job uniting the country can give Americans something to hope for as we head into 2021. 1918