I ate some odd meals last week: a turkey wrap for breakfast one day, cheddar cheese and chocolate cake for dinner the next. On a few occasions, I didn’t exactly know what the heck I was eating. But it was for a good cause. Not only was I saving the planet by reducing food waste—a cause I care about a little—I was eating cheap, a cause I care about a lot.

I was using Too Good to Go, an app-based service just launched in New York City that lets you buy leftover prepared food from grocery stores, restaurants and bakeries that would otherwise hit the trash at the end of the day.

The app lists the day’s options, which can be filtered by location, cuisine and pickup time. Customers reserve, pay in advance and then retrieve their order from the provider. Most options cost $3.99 or $4.99—a third of the menu price. Too Good to Go takes a $1.39 cut.

My favorite feature: You don’t know what you’re getting until you pick up your order. It’s a surprise!

Too Good to Go, which launched in Denmark, says it is already dishing 100,000 meals a day in 14 European countries. Its Sept. 29 New York launch was its first foray into the U.S.

About 90% of the Duck Inn’s current revenue comes from customers enjoying socially distant table service in their outdoor seating area. Especially in places like Chicago where temperatures drop below freezing, it’s one of many restaurants grappling with how to prepare for and survive winter. Photo: Nicolas Silva for The Wall Street Journal

“New York City is ready for it. We New Yorkers are pioneers—we love to be the first ones to do anything,” said Gaeleen Quinn, the company’s East Coast director.

I told Ms. Quinn that I

VATICAN CITY (Reuters) – Pope Francis on Saturday urged people to pull investments from companies that are not committed to protecting the environment, adding his voice to calls for the economic model that emerges from the coronavirus pandemic to be a sustainable one.

Francis spoke in a video message for an online event called “Countdown Global Launch, A Call to Action on Climate Change”.

“Science tells us, every day with more precision, that we need to act urgently … if we are to have any hope of avoiding radical and catastrophic climate change,” he said.

The pope listed three action points: better education about the environment, sustainable agriculture and access to clean water, and a transition away from fossil fuels.

“One way to encourage this change is to lead companies towards the urgent need to commit to the integral care of our common home, excluding from investments companies that do not meet (these) parameters … and rewarding those that (do),” he said.

He said the pandemic had made the need to address the climate crisis and related social problems even more pressing.

“The current economic system is unsustainable. We are faced with a moral imperative … to rethink many things,” he said, listing means of production, consumerism, waste, indifference to the poor, and harmful energy sources.

In June, a Vatican document urged Catholics to disinvest from the armaments and fossil fuel industries and to monitor companies in sectors such as mining for possible damage to the environment.

Other speakers and activists at the online event included actress Jane Fonda, Britain’s Prince William, former U.S. Vice-President Al Gore, and European Commission President Ursula von der Leyen.

(Reporting By Philip Pullella; Editing by Christina Fincher)

Copyright 2020 Thomson Reuters.

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Columns share an author’s personal perspective and are often based on facts in the newspaper’s reporting or from personal experience.

Largely unnoticed amidst this year’s significant events is the current historically low interest rate environment. These low interest rates present an opportunity for making gifts to family members at a low gift tax cost. This article will discuss three possible transfer strategies that are made more attractive by low interest raes.

Intra-family loans. A loan is not a gift because the lender receives a promise to be repaid. For a loan to be respected by the IRS it needs to be a bona fide debt and contain an interest rate at least equal to the monthly published applicable federal rate (AFR). For loans made in September, the short-term (three years or less) AFR is .14% (that’s .0014!); the mid-term (over three years but less than 10 years) AFR is .35%; and the long-term (over 9 years) AFR is 1%. That means a parent or grandparent could loan money to a family member for almost no interest. If the parent or grandparent later wishes to forgive a portion of the loan, they can do so provided the loan was valid and there was no preconceived plan to forgive the loan.

Grantor Retained Annuity Trusts (GRAT). A GRAT is a trust used for estate planning purposes. The basic concept is that the donor transfers property to the GRAT in return for receiving an annuity payment over a period of years. At the end of the GRAT term, whatever is left in the trust passes to the trust’s beneficiaries. A GRAT is effective at passing assets to family members if the rate of return of the trust’s assets