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                      | We've reached Hump Day, Daily Money readers. It's Brett Molina here with your Money and Tech headlines for Wednesday. | 
                                                                              | Before we begin, you might be asking yourself "what happened to Tuesday's Daily Money?" Was it a technical glitch? Perhaps. Did a certain editor of this newsletter get distracted searching Amazon Prime Day deals? I can neither confirm nor deny. Just know that we're sorry for the inconvenience, and appreciate your readership. | 
                                                                              | Now, back to those Wednesday headlines: | 
                                                                              | It's the middle of October, and the IRS still hasn't processed a lot of Americans' tax returns, 2.5 million to be exact. This means if you were expecting a refund, you're still waiting for that check to arrive. | 
                                                                              | Another side effect of the struggling economy during this pandemic: donations to nonprofit organizations have plunged. | 
                                                                              | Finally, Apple unveiled the iPhone 12 on Tuesday. We learned everything from when it's available to how much it will cost (hint: it's not cheap). But here's what Apple didn't tell us about the new iPhone. | 
                                                                              | Need more Money and Tech headlines? Keep scrolling. And, again, thanks for reading. | 
                                                                              | Brett Molina, Money/Tech editor | 
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