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It’s a tough time to do your banking if you prefer going to a branch. Hours have been cut at many locations, and social distancing guidelines mean bank lobbies are limiting traffic — assuming they are open at all.For customers who absolutely need to visit branches, banks are taking steps to prevent the spread of COVID-19. Sean Potter of Minneapolis, who blogs at My Money Wizard, saw these precautions during a recent meeting at his local bank. “It was awkward because I had an appointment with the relationship manager, and we still had to maintain 6 feet of distance even though we had to review the same documents together,” he says.Potter appreciates that the branch was trying to ensure his safety, but says he’s now considering other ways to bank. “From now on, it’s online or on the phone,” he says.Here are some ways you can bank without leaving home, along with safety tips if you do need to venture out to a brick-and-mortar branch.Explore online options“A lot of banking can be done with the click of a button,” says Brian Milton, head of retail banking at Union Bank. Union and most other banks and credit unions have robust websites and apps you can use for many banking tasks.Deposit checks. With mobile check deposit, you can snap a photo of a paper check and submit it online, via app or your bank’s secure website.Pay bills. With online bill pay, you can log in to your bank’s webpage and enter the name of the recipient and their contact information. Your bank handles the rest by making an electronic funds transfer or mailing a paper check.Apply for an account. Opening a new checking or savings account can be as easy as going to a bank’s website and submitting an online application. To apply, have your driver’s license and Social Security number handy to prove your identity.Sign documents. Some institutions use digital services such as DocuSign to prepare documents, including loan and account opening paperwork. They can be securely emailed to you, and you can sign them electronically by clicking highlighted prompts.Request payment assistance. Need some leeway with loan payments? Some banks are allowing customers to request arrangements online, including delaying due dates for bills, temporarily reducing monthly payments or asking for fee waivers.Or pick up the phoneKeep your bank’s customer service number nearby. You can use it to speak to a real person about account questions or issues.For example, some banks have announced that customers can call and request to waive non-sufficient funds fees, overdraft fees and monthly service charges.But keep this in mind: If you’re faced with steep fees, it may be better to simply switch to a cheaper bank. Online-only institutions, for example, tend to have low or no monthly service fees, and some offer toll-free customer service numbers staffed 24 hours a day, seven days a week. To learn more, read our primer on online banks.Bank safely at a branchIf you still need to visit a bank branch, here are some ways to protect yourself.Get it on the calendar. “Before you visit your local branch, it’s a good idea to call ahead and schedule an appointment,” Milton says. He adds that doing so helps branches manage occupancy and social distancing requirements.Calling ahead can also help the bank make sure it has a staffer on hand who can help you with a specialized transaction or request, he says.Consider drive-up services. Some banks have drive-up lanes where customers can receive the same services offered inside a branch, such as making cash deposits and withdrawals, and getting money orders, all at a safe distance from other people. You could also withdraw cash from an on-site ATM without the need to interact with a teller.Bring your protective gear. Since you’ll be touching screens, door handles and other public surfaces, consider bringing hand sanitizer or wearing gloves. If you do need to step inside a lobby, you may also be asked to wear a mask for everyone’s protection.Accept the changes. Steve Turner, a publicist in Chesterfield, Missouri, says he visits his local branch a few times a month to make business deposits. “There are signs on the floor showing where people should stand to keep their distance,” he says. Turner has also noticed there’s less small talk with the tellers, and reasons it’s because everyone is wearing a mask. He believes these changes will remain for a while. “It was odd at first, but now it seems like a new normal,” he says.More From NerdWallet3 Ways to Skip Your Bank’s Long Phone LinesLooking for Safer Ways to Pay? Go ContactlessIs My Money Safe in a Bank During the COVID-19 Crisis?Margarette Burnette is a writer at NerdWallet. Email: mburnette@nerdwallet.com. Twitter: @Margarette. 4731

It has been more than two weeks since the Camp Fire devastated parts of California, especially the community of Paradise, but for one pet owner, not all was lost. Andrea Gaylord had to go several weeks not being allowed to return home due to the fire, which was the deadliest in California history. When Gaylord returned home on Wednesday, her dog was there waiting for her. According to KXTV, lost her home in the Camp Fire. But she considers herself fortunate. "You could never ask for a better animal," Gaylord told KXTV. "You really couldn't."Gaylord had some assistance from an animal rescue volunteer who was allowed inside of the evacuation zone. Shayla Sullivan took care of Gaylord's other dog Miguel, which is also Madison's brother. Sullivan would leave food and water at what was left of Gaylord's home in hopes that Madison would come around. Gaylord said when she pulled up to her home in Paradise, Madison was there waiting for her. "Imagine the loyalty of hanging in in the worst of circumstances and being here waiting," Gaylord told KXTV "It was so emotional." 1121

Is it safe to get together for the holidays? As Thanksgiving approaches, many people are having those discussions, and many are desperate to not only see family, but to travel.Zane Kerby, President and CEO of the American Society of Travel Advisors said, “People are itching to get out there.”The nonprofit organization represents 15,000 travel advisers across the U.S. They often poll consumers and recently learned that people are craving a change of scenery.“People have said, 'You know what? I want to go five, six, seven hours away,'” Kerby said. “They want to do that aspirational trip that they’ve been thinking about before the pandemic and now they really want to do it.”And they're talking about Thanksgiving and wondering whether they should drive or fly.“We asked people point blank what are you going to do for Thanksgiving?” Kerby said. “We’re encouraged, only 15% who normally travel said they weren’t sure they were going to fly this year. Kerby said that there is pent up demand for travel, and there is optimism in the industry.But, if you're talking about getting together, doctors stress that you do so safely.“All of these decisions are weighing risks and benefits and I wish I had a crystal ball,” said Dr. Beth Thielen, an assistant professor of pediatrics at The University of Minnesota Medical School. Dr. Thielen also is an infectious disease doctor. “I wish I could tell you what’s going to happen but I can’t, but I can tell you riskier things and safer things and appreciate that even the most precautions don’t eliminate your risk either.”“I think identifying if you or someone you’re hoping to gather with has those underlying conditions, that you maybe need to be extra cautious about preventing exposures,” she added.Of course, everyone wants to get together and realizes the importance of family.Dr. Thielen advises to limit the number of people, assess your own risk and that of those whom you're considering visiting. She recommends thinking about limiting your exposure to other people in the weeks before you travel.“All of these infections have an incubation period,” Thielen said. “You’re exposed to somebody with the infection taking root but not manifesting itself or detectable by testing for COVID. It’s a few days a week or so before that exposure happens.”We're learning a lot about COVID-19. We know outside is better. Masks are important. And we now know it affects people differently.Kerby said if you're considering flying, know that the industry is taking extreme precautions for travelers.“Between the HEPA filters they use on planes, electrostatic and defogging they're doing after every flight, the air on an airplane is probably better than the air in your home,” Kerby said.While there is a lot of discussion to be had about the holidays and travel, if you can do it safely, everyone wins. 2853

Is it an addictive drug, or a way to actually overcome addiction? The FDA is considering regulating an herbal drug called Kratom. But a group of doctors is pushing back, saying it's part of the solution not part of the problem. They may be color coded, but for Catherine Nieves, the liquid she's pouring in her cups are more than trendy new drinks. She says what's inside them, changed her life."I was homeless and a drug addict who lost custody of my oldest child," Nieves says.Nieves owns a store and prepares drinks made with Kratom, a coffee-like herb. After a C-section a few years back, she started taking Kratom for pain, instead of the addictive opioid Percocet her doctor prescribed."It made the pain just as manageable," Nieves says. "But it was healthier for me mentally just to not get back in the habit with pills when it was something that I was already very sensitive to.But the FDA describes Kratom differently, calling it dangerously addictive, and similar to narcotics like opioids with respect to addiction and death."Yes they interact similar with opioid receptors in the body but the effects are very different," says Oliver Grundmann Ph.D. with the University of Florida.Dr. Grundmann is one of several doctors publicly rejecting the FDA's position on Kratom. He says it doesn't impact breathing the way opioids do, so that lessens the chance of an overdose. And he says the FDA is wrong to link it to 44 deaths in the last decade."So we are not saying that Kratom doesn't have potential adverse effects," Dr. Grundmann says. "But is it positively linked to these deaths? We don't think so."Grundmann believes it should be regulated by the FDA but not as a narcotic."What is at the heart of all of this is we want to consumers to be protected and we want them to have quality products," Grundmann."I have children I have a great life that I've made for myself it's just entirely too much to possibly jeopardize," Nieves says.Nieves wants people who are in her situation to see a safer way out.Nieves says, "It seems like a bottomless hole, addiction. But there is so much hope and Kratom gives people hope." 2147

It is with great excitement that we can announce Elton's return to the stage in North America on January 19, 2022.For more information, please visit https://t.co/CcJKU471U8 #eltonfarewelltour pic.twitter.com/M3qZrR5yYE— Elton John (@eltonofficial) September 23, 2020 274

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