The Trump Administration's solution to aid the 16 million Americans who are out of a job thanks to coronavirus? One big, shiny, $1,200 check.
As MarketWatch explains, "The Internal Revenue Service will send $1,200 payments to individuals with adjusted gross income below $75,000 and $2,400 to married couples filing taxes jointly who earn under $150,000. The government will also pay $500 per qualifying child." That plan is a little skewed—$1,200, after all, isn't even enough for one month's rent for a studio in NYC's outer boroughs. And for everyone who's receiving the check, there's someone else who, fortunately, is able to work from home and hasn't faced a huge setback due to COVID-19.
If you're one of the lucky ones, or if you're just feeling generous, here are just a few good causes that deserve your donations to help those in need.
WeCount!'s Immigrant Worker COVID-19 Fund: Florida nonprofit WeCount! is on a mission to address the gap in medical support for undocumented immigrants, emphasized by COVID-19.
Immigrant Worker Safety Net Fund: National Day Laborer Organizing Network allocates cash donations to worker leaders, organizers, and volunteers who have already contracted the COVID-19, as well as undocumented laborers who are especially vulnerable to the virus, such as those over 60 or with preexisting health concerns.
National Bailout: Prisons, jails, and detention centers have raised big health concerns in the coronavirus's wake. National Bailout is galvanizing funds to get people out, in an effort to slow the spread. The organization also already hosts an annual #FreeBlackMamas campaign to specifically help incarcerated black mothers each Mother's Day, but donations are welcome and encouraged year-round.
Restaurant Workers' Community Foundation: With restaurants limited to takeout only, many folks in the service industry are taking a major hit. RWCF's emergency relief fund collected $2.8M since its launch in late-March. Of that, half goes directly to individual restaurant workers, 25 percent to non-profits serving restaurant workers, and another 25 percent for zero-interest loans to keep restaurants running.
Coalition for the Homeless: Homeless people are predisposed to major risks year-round, but the pandemic has brought additional attention to their health care. In New York City, the Coalition for the Homeless is providing temporary safe housing to the community thanks to donations.
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Airbnb offers an affordable option for people looking to be more comfortable as they travel.
However, there are downsides to staying in a host's home rather than a hotel. Whereas hotels are designed for constant streams of visitors and often have furniture built to last, at an Airbnb, you may be staying on old or cheap furniture that a host is using in order to maximize their profits.
And while most reputable hotels will have regular room inspections from staff to check for any wear and tear, Airbnb damage disputes are oftentimes he said, she said situations. If you are in an Airbnb and something breaks, there are a few steps you should take in order to ensure that you are not on the hook for damages out of your control.
If you're keeping tabs on the art and tech worlds, you've probably been hearing whispers about "NFTs" for the past month. Just over the past week they've entered the mainstream lexicon.
Twitter founder Jack Dorsey made the news for selling his first ever tweet. The app has been teasing paid subscription models and newsletter-like features, but tweets for sale is "the next frontier."
just setting up my twttr— jack (@jack)1142974214.0
The 2006 tweet went up for auction as an NFT, and the current bid is $2.5 Million. But what does it mean to own that? Why would anyone want to? And what even is an NFT?
Long gone are the days when the majority of Americans dreamed about owning a home with a white picket fence.
The traditional American Dream may be on its deathbed, but that doesn't mean a core component of the vision can't survive. It simply takes a diverse perspective. People can still believe they can attain their own vision of success in society with hard work, knowledge, and risk-taking. Investing in today's American Dream may literally mean investing money in our modern economy, starting with our infrastructure.
Real estate investing in particular is a lucrative method that can boost income and secure a better financial future for many. There's always risk involved, but the payoffs can far outweigh the uncertainty. Selecting solid financial investments is about confidence and competence. If you're looking for some advice on this kind of investment, here are a few savvy tips for new real estate investors.
Stick To a Specific Strategy or Niche
Real estate is a challenging sphere of the business world, one that requires several key skills: groundwork knowledge, networking, perseverance, and organization. True knowledge of the real estate market will come with time and experience, but it's a smart idea to select one area of the market and stick to it. This is the best way to attain in-depth familiarity with your specific niche.
First, choose a geographical area close by and then a niche strategy within it, such as house flips, rental rehabs, or residential or commercial properties. By doing so, you can become aware of current inner working conditions in the market and you'll have a better idea of how these trends may change in the future.
Be Vigilant About Viable Financing Options
While it takes money to make money, you don't have to use all your own money. A common misconception about real estate investing is that you must be wealthy to start off. This isn't straight fact, however. A majority of people can test the waters of real estate investing without a lot of initial cash in their pocket.
Aside from traditional financing options from banks and institutions, private lending options can be worthy solutions. Hard money lenders are popular, reasonable choices, and they tend to have fewer qualification requirements upfront. However, be sure to strategically choose a hard money lender to find the best possible fit.
Master the Art of Finding Good Deals
There may be hundreds of thousands of available properties for sale on the current market, but the bulk of them will never amount to the final money-making result you desire. Another great tip for new real estate investors is to use good math to estimate profit. Taking risks is part of the process, but you have the ability to analyze properties and use networking sources to find the greatest deal. You can't win every deal, but you can steadily work towards a thriving financial future.