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In a small town in Utah, life moves at a slower pace, and social distancing there is easy.“I think it’s quiet,” said Kelton Wells. “I think it’s a beautiful valley and I just love it up here.”Wells owns Keystone Cabinets, where he employs 12 people, including Ned Miller.“I’ve lived here in the valley my whole life,” said Miller. “It’s fun because I can create what I consider works of art.”In a flurry of dust and noise, solid pieces of wood transform, all while people keep their distance.“We have a little bit better spacing here. We don’t have the close shoulder-to-shoulder contact that somebody would over there, Miller said as he motioned with his hand towards JBS Beef Plant.“I feel bad for the people who work there.”Meatpacking may be a world away from cabinetry, but in terms of distance, they are practically neighbors.In June, COVID-19 swept through the facility, infecting nearly 300 of its workers, but the facility stayed open.“Nobody was running around in panic, throwing picket signs up and wanting everybody to put a ‘C’ on their forehead down at the plant,” Miller said with a smile. “I didn’t get that type of a feeling for it.”They still don’t.“What comes will come and we’ll take it as it goes, I guess,” Well said with a shrug of the shoulders. “I don’t think a lot of people were super alarmed by it.”In a town where everyone knows someone who works at the facility, there is a feeling of “life must go on.”“I mean, we all got to survive. Our work has to get done so we do what we can to keep it going and keep people happy,” Wells said.The CDC set up shop for weeks at the health department, making sure people in this community stayed safe and JBS stayed open.“We’ve got a good plan going with JBS,” Josh Greer, with Bear River Health Department, said. “(JBS) has got great controls in place.”The people in Hyrum, Utah are not alone.JBS has had outbreaks at plants in Colorado, Kentucky, Minnesota, Nebraska, Texas and Wisconsin.“I think people are just trying to do the best they can,” Wells said.In Hyrum, the work will go on, whether it is with meat or with wood.In a place where people come to escape the noise of city life, it is hard to escape the question on everyone’s minds.“When will we return to normal and what is the new normal going to be?” Miller asked. 2304

If you’ve been thinking about buying a car, experts say now is the time to shop. Dealers are offering more incentives than ever before to get drivers back on the road, and because of the coronavirus, you can stay home and find a good deal.“It’s the way the world is going now,” said recent car buyer, Stephanie Given. “Everything’s online.”Given is an ICU nurse working on the frontline of the pandemic, and in the midst of the health crisis, badly needed a new car.“We needed that second vehicle, the more reliable vehicle that we knew would be reliable in this time,” said Given.Her nearly 15-year-old ride was giving out, but, walking in to a dealership made Given anxious. “I have been under a little stress in my work life and personal life, and I was kind of dreading the stress of buying a car,” she said.So, she started her search online. “I found the car online through the Carmax app, and I was kind of let down when I saw the car was in Las Vegas, and it was just a couple seconds and they said, ‘We can ship it to you,’ and I said, ‘What? That’s amazing!’” said Given. Not only did she find the car she was looking for online, she did all the paperwork at home. “I kind of had a hybrid experience. I did my part online and then came to the dealership to pick up and take possession of the car,” she said.Given’s experience is now becoming the norm. Dealers are making it possible to do everything, from shopping to financing, from your couch. Some dealers, like Carmax, will even drop off the car at your door.“We want to take the scary four-hour dealership visit that you’d expect, and allow you to do as many things as you want at home,” said Corey Haire, the Vice President of sales at Carmax.“You can do everything from a virtual walk around where they’ll walk around the vehicle with a facetime phone call and take direction from the consumer as to what they want to look closer at,” said Karl Brauer, an Executive Publisher at Kelley Blue Book and Autotrader.Brauer believes this new way of doing business is here to stay. “I think it’s proving more efficient on both sides,” he said.Brauer said the car industry is expecting to see a big bounce back through the summer and fall. “People are moving into more confident, purchasing mindsets,” he said.According to Brauer, new car sales are down by about 31% compared to spring 2019, but used car sales haven’t taken such a hit—down only about 6%.“I think there are a lot of people are thinking maybe they want their own personal vehicle in lieu of public transportation, but these people aren’t buying a car because they’ve dreamed of one or have wanted one, this is purely for functional purposes,” said Brauer.So if you’re looking for a deal, Brauer said the first step is research, and then, look for combined offers.“We’ve seen deals for 0% financing, which were getting pretty rare recently. We’ve seen deals like deferred payments for three to four months, but we’ve hardly ever seen both of those at the same time,” said Brauer. Some dealers are offering longer term loans too. “If you’re looking at a new vehicle, and one of these 0% 72 or 84-month loans are available to you, that’s real money you’re saving over that kind of time,” he said.If you want the new car smell without the new car price, check out a 2019 model. “They were going to be hard to sell anyways with the 2020 cars coming out, but now they’re even harder to sell with all the incentives going on for the new cars,” he said.Brauer reminds buyers that, with any purchase, make sure you’re financially ready. For Given, she said the car and the price were just right, and the online process sweetened the deal.“I do think it was a little bit of retail therapy. I did something for me during this time, and I needed to do that, but it also filled a need, so it was a win-win,” she said.Need help researching the best car for you? Visit resources HERE. For tips on the car buying process, click HERE. 3949

If you’re celebrating the holiday season at home this year because of the COVID-19 pandemic, then you probably aren’t using up your travel rewards points. Instead of watching those points languish, consider turning them into holiday gifts — you can stretch your budget while taking advantage of new offers from credit card issuers.Amid the pandemic, many card issuers are offering more flexibility when it comes to points redemptions, as well as extra statement credits. With 1 in 3 holiday shoppers who accrued credit card debt last holiday season still paying it off, using credit card rewards to finance gifts can be a great way to celebrate the season while avoiding additional debt.Here are some examples of offers you can take advantage of this year:Send a mealFor a limited time, if you have an eligible Capital One travel card, you can use miles to cover restaurant delivery and takeout purchases at a 1:1 rate. That means instead of using your miles to fly home to see family, you can use them to send them a nice holiday takeout meal. You could even join them for it over Zoom.Bank of America? is also offering temporary points-for-food conversions on some of its travel cards, and in some cases a statement credit. Similarly, Chase is allowing some cardholders to redeem points for statement credits against purchases made at grocery stores, restaurants (including takeout and delivery) and home improvement for a limited time.Make a donation in someone’s nameChase is allowing some cardholders to redeem points for statement credits when making donations to qualifying charitable organizations.Treat a friend to coffeeStarbucks credit card holders received 150 bonus Stars earlier this year as part of Chase’s efforts to help consumers during the pandemic. That equates to a handcrafted drink, hot breakfast or parfait — so if you haven’t redeemed those rewards yet, consider putting them toward a (socially distanced) holiday date with a friend.Gift a streaming serviceEight months into the pandemic, we’re still looking for new ways to keep ourselves entertained indoors. Several issuers have cards with temporary or ongoing offers that give you statement credits or bonus rewards for streaming.If you pay for someone else’s streaming service, you can reap the discount or rewards.Cover someone’s exercise programFor a limited time, some American Express cardholders can purchase a membership to at-home fitness program Variis by Equinox and earn statement credits each month. Terms apply. Or, if Peloton is more your speed, some Chase cards earn limited-time statement credits toward eligible memberships.Get cashSome cards also let you redeem travel points for cash back at the same rate.It’s not always the best redemption option. But at a time when travel options may be limited, it can help offset some of the costs of the holidays and even reduce your chances of accruing credit card debt from all that additional spending, which is a real gift to yourself.More From NerdWallet5 Minimalist Tips to Make the Holidays More AffordableCan I Get Preapproved for a Credit Card?7 Times You Might Want to Product-Change a Credit CardKimberly Palmer is a writer at NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. 3256

I'm bi! I want to write a bi character, dammit! Luckily my stubbornness paid off and now I am VERY supported by current Disney leadership. (Thank you @NashRiskin and team!) Not to mention the amazingness of this crew.— Dana Terrace (@DanaTerrace) August 9, 2020 269

If you’re looking for the best place to live, odds are Colorado is a good place to start.On Tuesday, US News and World Report released its annual list of the best places to live in the US, and four of the top five cities are in Colorado.Topping the list is Boulder, Colorado, followed by Denver at No. 2. The only non-Colorado city in the top five was Austin, Texas, at No. 3. Colorado Springs and Fort Collins rounded out the rest of the top 5. US News and World Report used the job market, housing affordability, quality of life, desirability, net migration ratings, surveys, crime data and school quality to determine its ranking."At the top of this year's Best Places to Live rankings, we see a combination of metro areas that can appeal to people looking for city living or more of a small-town atmosphere, but all offer a balance between cost and quality of living," Devon Thorsby, real estate editor at U.S. News, said.Here is the top 10 list:1. Boulder, CO2. Denver, CO3. Austin, TX4. Colorado Springs, CO5. Fort Collins, CO6. Charlotte, NC7. Des Moines, IA8. Fayetteville, AR9. Portland, OR10. San Francisco, CATo see the full rankings, click here.As for those looking to retire, it probably comes as no surprise, but Florida dominates the list of best cities to retire. The top four cities to retire are all in Florida, led by Sarasota followed by Fort Myers."Moving to a new place for retirement can reduce your cost of living and improve your quality of life," said Emily Brandon, U.S. News senior editor for retirement. "The Best Places to Retire includes information about housing costs, access to quality hospitals and the strength of the job market, which can help you find a retirement spot that will meet your needs."Here is the top 10 list:1. Sarasota, FL2. Fort Myers, FL3. Port St. Lucie, FL4. Naples, FL5. Lancaster, PA6. Ocala, FL7. Ann Arbor, MI8. Asheville, NC9. Miami, FL10. Melbourne, FLSee the full rankings here. 1949