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Moving is stressful enough without throwing a pandemic into the mix.Many Americans may be forced to consider moving as federal foreclosure and eviction moratoriums expire. In the first week of July, 32% of Americans did not make a full, on-time housing payment, according to a nationally representative survey by the website Apartment List. Others may relocate to save money, be closer to loved ones or simply leave a densely populated area.If you’re considering moving, here’s what to know from a financial standpoint, as well as tips to make moving day safer.Budget for extrasAside from the usual expenses like buying boxes, renting a van or hiring movers, plan for extra costs because of the pandemic.You may need to buy heavy-duty supplies to deep-clean your old place, for example, or to sanitize your new accommodations. If you are moving out of a rental unit, some landlords may ask you to pay for professional cleaners or take the cost out of your security deposit.Moving across county or state lines? Check what the quarantine requirements are in your new location, says Jean Wilczynski, a certified financial planner and senior wealth advisor at Exencial Wealth Advisors in Old Lyme, Connecticut. You may have to pay for quarantine accommodations like a hotel or Airbnb if your new apartment or home is not move-in ready, she says.If you are receiving unemployment benefits, check the rules on how your benefits carry forward in your new location and what the taxes are if it is a new state, Wilczynski says. You can typically find this information on your state’s Department of Labor website, she says.If you are unemployed or your income has dropped as a result of the pandemic, you can also check whether you qualify for moving assistance by calling 211.You might not be able to really get to know your new place until you’re living there, so prepare yourself (and your wallet) for surprises like leaky faucets or broken appliances. Landlords and real estate agents may offer only virtual tours. And if you can see the new accommodations in person, you may be required to sign a waiver, wear a mask and avoid touching anything while in the house.Stay safe during the moveHow to move safely depends on whether you are doing it yourself or using movers. Current guidance from the Centers for Disease Control and Prevention suggests that the main way the coronavirus spreads is through respiratory droplets, says Lindsay Slowiczek, pharmacist and drug content integrity manager at Healthline.com. That’s why wearing a mask and staying away from people is important to slow the spread of the virus, she says. Sanitizing surfaces is also an extra precaution worth taking.Moving yourselfIf you’re renting a moving truck, companies like U-Haul offer contactless pickup and drop-off options. Slowiczek suggests sanitizing the door handles, steering wheel, radio and the metal tongue on the seatbelt in the rental van.Using moversBefore picking a moving company, check its website or call and ask about its safety practices in response to the pandemic, Slowiczek says. Ask whether the movers wear masks and gloves during the move.On moving day, she suggests being prepared with a plan to limit interaction with movers and maintain social distancing. This includes packing as many things as you can yourself, or consider using a self-pack moving container as Slowiczek did for her own recent move.If the movers will pack the truck, create a schedule for the movers. For example, ask them to start with a particular room as you stay in another. This is also particularly useful if you live with family members who are vulnerable or immunocompromised, she says. Try to limit their involvement with the move as much as possible.“Plan out the way [the movers] are going to move through the house,” says Slowiczek. “If possible, move all of [your boxes] to one area in your home so they don’t have to come throughout your house as much.”Keep hand sanitizer or soap handy during the move so that you and the movers can use it periodically, she says. (Check on the FDA website that your brand of hand sanitizer is methanol-free, Slowiczek adds). After the move, use disinfectants registered with the Environmental Protection Agency to clean surfaces or furniture.“Just using the product as-is is not enough — read the instructions on how long it should be wet on the surface,” Slowiczek says.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletCan You Have Too Much Credit?Smart Money Podcast: How to Travel Safely, and How to Handle Old DebtsTransition From Work-at-Home Novice to ProAmrita Jayakumar is a writer at NerdWallet. Email: ajayakumar@nerdwallet.com. Twitter: @ajbombay. 4746

More than three weeks after the Parkland, Florida, school shooting, the White House is expected to unveil some proposals on guns and school safety."The President and White House are going to be laying out more specifics -- it's going to be a series of proposals," White House principal deputy press secretary Raj Shah said on ABC's "This Week."Shah said the proposals will be legislative and administrative and also will include recommendations for states. The White House will also be forming a task force to study the issue, Shah said.Shah avoided answering whether the White House will call for universal background checks, which President Donald Trump has said he would support, and instead spoke about improving the current background check system. The White House backs the "Fix NICS" bill introduced by Sen. John Cornyn, a Texas Republican, and Sen. Chris Murphy, a Connecticut Democrat, which intends to improve the information?going into the National Instant Criminal Background Check System.The White House will also support raising the age for buying some firearms."The President has been clear that he does support raising the age to 21 for purchasing certain firearms," Shah said.The White House is expected to ask states to consider raising the age to buy certain firearms and to recommend that states allow school staff to carry concealed weapons, The Wall Street Journal reported Saturday, citing White House officials who have been briefed on the proposal.The White House also is expected to voice support for legislation that would authorize million a year on school safety provisions, including training for teachers and students on ways to prevent violence.Shah, who would not confirm the Journal's reporting ahead of Sunday night's announcement, did tell ABC that there will be a proposal to harden schools.The administration is already moving ahead with a proposal to ban bump fire stocks, devices that allow semiautomatic weapons to fire at a more rapid rate, as Attorney General Jeff Sessions has vowed to do. The Justice Department has submitted a proposed regulation to the Office of Management and Budget for review to prohibit their sale by classifying them as machine guns under federal law. 2257

NASHVILLE, Tennessee — A 22-year-old man was killed in a shooting at Opry Mills Mall, which caused chaos for shoppers inside.First responders initially answered a call of an active shooter in the mall, which prompted a heavy police presence, but they learned the call was not accurate once at the scene.The shooting happened inside the mall in a hallway near the Auntie Anne's pretzel shop across from Old Navy around 2:23 p.m. The victim was taken to Skyline Medical Center in critical condition where he later died.According to police officials, a dispute at the mall between two men ended in gunfire. The suspected shooter ran from the mall to a ticketing booth outside. He placed his gun on the booth counter and told the people inside to call 911. He then surrendered to police once they arrived.There was no additional imminent threat known. Both he and the victim are 22 years old and from Nashville.Some Metro Nashville Public Schools were placed on lockout for a short time including Two River’s Middle School, Pennington Elementary School, McGavock Elementary School, Stanford Montessori and Litton Middle School. It has since been lifted.Three students were still at the Academy at Opry Mills when the shooting happened and were able to get out and taken to McGavock High School.Opry Mills Mall spans 1,154,000 square feet with more than 200 stores. It also includes nine sit-down restaurants.Officials said it appeared to have been an ongoing dispute that prompted the shooting. The identities of the victim and suspect have not yet been released.Customers inside the mall were told to stay put and away from the entrances.They said the mall was being swept by officers as a precaution. Police evacuated Bass Pro, Johnny Rockets, the food court and other areas.The Gaylord Opryland Hotel, was placed on lockdown when the shooting occurred, but it has since been lifted. 1974

Millions of small businesses are fighting off permanent closures, looking for every possible penny to help them stay afloat amid the pandemic. However, there is a little-known CARES Act rule that could net small businesses tens of thousands of dollars in just a few weeks, and it helps keep more people employed.Back in March, when Congress passed the CARES Act, most of the focus for businesses was on the billions of dollars allotted for Paycheck Protection Program (PPP) forgivable loans. Congress also included a temporary tax rule, at the same time, for businesses.“If you had a loss in 2018, 2019, or 2020, any of those years, you could carry it back up to five years to generate refunds,” said Chris Catarino, a CPA with the firm Drucker & Scaccetti in Philadelphia.Catarino explained that under the new rule, businesses can generate a tax refund by applying 2020 losses to taxes paid over the past five years, essentially making the tax burden in past years less, netting them the refund.Losses for 2020, though, can only be filed after Dec 31, 2020. However, the temporary rule also applies to 2019 and 2018. So, if a business had losses over those two years, they could carry back those losses to their respective five-year period and possibly generate a refund.Businesses can start filing for a refund on 2018 and 2019 losses now. Catarino explained they would have to file an amended return or 1045 form.“The 1045 is generally quicker,” said Catarino “The IRS is required to respond and process those within 90 days.”The tax refund, under the temporary net operating loss rule, could mean tens of thousands of much-needed dollars for some businesses. However, Catarino pointed out that the biggest refunds would be for businesses with the largest “swing” from the prior years.For example, take a business that did extremely well in 2019. It likely paid a high tax bill that year. Then, this year, it had a significant loss of business. That business could get most of the money it paid in taxes the year prior, possibly even all the money it paid but nothing more than was paid in taxes. The same principle applies to 2018 and 2019.“The idea that they could recoup some taxes that they already paid in the past, today, could really be significant,” said Todd McCracken with the National Small Business Association. “It could mean the difference between keeping your doors open or not.”Although the temporary tax benefit could save some businesses, there is concern that the businesses that may need it the most may not be aware of it.“It is the smallest companies that don’t know, that tend to deal with their taxes once a year,” said McCracken. "They don’t have an ongoing relationship with a CPA. They go have their taxes prepared in the spring and find out, ‘Wow, I could’ve had this benefit all along.’ Next spring, of course, could be too late.”It could be too late for many businesses, especially if another round of coronavirus-related closures occurs and a second stimulus package isn’t passed soon. 3031

MT. LAGUNA, Calif. (KGTV) - A new destination outside San Diego's City limits is challenging people to unglue from technology and live with less.It's called Tiny House Block and is currently made up of 10 tiny homes nestled in Mt. Laguna. "The vision of Tiny House Block is to create a place where community converges, where we celebrate unity through diversity, where we all get to experience our shared humanity," said Jon Block, who co-founded the village with his sister. "Some wise people realized, enough of the madness already! And decided, not for financial reasons, but for happiness, peace of mind, pure lifestyle choice, decided to go smaller."Each of the tiny houses has a theme, including Farmhouse, Stargazer, and Sedona Spirit; they range from 170 sq/ft to 500 sq/ft.A customer favorite is Greenhouse, a tiny house dedicated to cannabis, conversation, and community. "We are creating a resort village here, we want people to have a certain vibration, and they're here to really get away, and they want to connect with other people on a similar type of wavelength," said Block. Block hopes to have 25 homes in the village by next year and invites visitors to stay for a few nights or long term. You can book your tiny house getaway on Airbnb. To learn more about Tiny House Block click here. 1314

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