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It took four days for The Associated Press and other media outlets to call the presidential election for Joe Biden and Kamala Harris. Now, recounts and certification of the results will take a bit longer.With races too close to call in Arizona, Nevada and Georgia, Pennsylvania became the battleground that tipped the Electoral College count in Biden’s favor Saturday afternoon.But within hours of declaring victory, President Donald Trump released a statement saying, “Joe Biden has not been certified the winner of any state.”“Technically it's true. Certifying election results takes a while,” said Kira Lerner, the managing editor of Vote Beat, a non-partisan, non-profit covering election administration and voting.“Canvassing is the process of counting the ballots,” said Lerner. “It's what election officials are doing across the country right now. They're working tirelessly, overnight in some cases, to make sure that every single vote is counted in the certification process. Each state has a different deadline.”Certification happens after canvassing – whereby election officials verify that every single ballot was counted and there were no clerical errors. But tallying has taken longer due to record turnout and a surge in mail-in ballots.Still, six states have a deadline of within one week of the election to certify their results and have already done so. (Delaware, Virginia, Vermont, South Dakota, Oklahoma, and Louisiana).In 26 states and Washington D.C., the certification deadline is between November 10 and the 30. (Wyoming, Mississippi, Florida, Massachusetts, Idaho, Arkansas, North Dakota, Georgia, Utah, Pennsylvania, Michigan, Maine, Kentucky, Ohio, North Carolina, New Mexico, Minnesota, Indiana, Washington D.C., Alaska, Alabama, Nebraska, Montana, Iowa, Colorado, and Arizona).In 14 states, the certification deadline is in December. (Wisconsin, Nevada, Kansas, West Virginia, Washington, Texas, Oregon, Connecticut, Illinois, New York, New Jersey, Missouri, Maryland, and California)The remaining states don’t have deadlines. (Hawaii, New Hampshire, Rhode Island, and Tennessee)“It will be some time before we can formally certify the winner of the presidential contest. But that doesn't mean that we won't know without a doubt who our president elect is, which we already do,” said Lerner.And then there are the recounts. In some states, they are automatically triggered when the victory falls within a razor thin margin. In Georgia, for example that’s .5%.But in the majority of states, candidates, political parties and in some cases voters can request a recount.Currently, the Trump administration is calling for recounts in Wisconsin and Georgia.“In Wisconsin, you have two days after the winner of the race has been certified to call for a recount. In other states, like Georgia, the secretary of state has already said that he will be seeking a recount on Donald Trump's behalf.”Lerner says legal challenges and recounts will likely fail to change the outcome of the election. Electors will vote by mid-December and deliver to officials in Washington just before Christmas. It may take a few more weeks but experts say the official results are unlikely to be delayed. 3213
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

Is getting a new job on the top of your holiday wish list this year? Well, experts say, December is actually one of the best times to look for a job."We’re hearing from many hiring managers that they will still be working to fill their positions over the next couple of weeks," said Robert Half senior regional president Karen Policastro.Policastro says now is as good a time as any to put yourself out there, especially in this highly-competitive job market."Make sure you are extremely active over the holidays because many hiring and decision makers want to be able to have their staff filled and complete and hit the ground running come January," said Policastro.And now, nine months into the pandemic, the job fields that are hiring are a little different."We’ve seen an influx in accounts payable clerks, collections clerks, HR positions. Surprisingly, we have a lot of human resource positions come through," said Policastro.She says with so many people working from home, help desk positions and customer service positions are also in high demand."Companies have had to shift and be extremely flexible due to the pandemic. And these positions have definitely become more in demand," said Policastro.And if you’re one of the millions of service industry workers who have lost their jobs or have had your hours cut, these could potentially be great jobs."If you’ve been in the restaurant industry, you definitely have customer service skills. So, cater your resume and/or online profile, cover letter, to really highlight the customer experience that you were able to provide," said Policastro.Policastro also says a lot of companies are looking to hire temporary or contract positions, especially while they're remote. So, think about those options as well. A lot of places are posting job openings on sites like LinkedIn. Make sure your profile is up to date and says, "Available Immediately". 1909
Is getting a new job on the top of your holiday wish list this year? Well, experts say, December is actually one of the best times to look for a job."We’re hearing from many hiring managers that they will still be working to fill their positions over the next couple of weeks," said Robert Half senior regional president Karen Policastro.Policastro says now is as good a time as any to put yourself out there, especially in this highly-competitive job market."Make sure you are extremely active over the holidays because many hiring and decision makers want to be able to have their staff filled and complete and hit the ground running come January," said Policastro.And now, nine months into the pandemic, the job fields that are hiring are a little different."We’ve seen an influx in accounts payable clerks, collections clerks, HR positions. Surprisingly, we have a lot of human resource positions come through," said Policastro.She says with so many people working from home, help desk positions and customer service positions are also in high demand."Companies have had to shift and be extremely flexible due to the pandemic. And these positions have definitely become more in demand," said Policastro.And if you’re one of the millions of service industry workers who have lost their jobs or have had your hours cut, these could potentially be great jobs."If you’ve been in the restaurant industry, you definitely have customer service skills. So, cater your resume and/or online profile, cover letter, to really highlight the customer experience that you were able to provide," said Policastro.Policastro also says a lot of companies are looking to hire temporary or contract positions, especially while they're remote. So, think about those options as well. A lot of places are posting job openings on sites like LinkedIn. Make sure your profile is up to date and says, "Available Immediately". 1909
In the middle of a pandemic, 13-year-old Jade stood in her kitchen with her phone in her hand, listening intently to the instructions coming from the other end of her Zoom call.It was her first time attempting to make Rice Krispies Treats.“Cooking is one of my favorite things to do, but I still have a lot of things to work on,” she explained as she mixed a small cup of marshmallow with the cereal she’d already poured into a bowl.For Jade and countless other kids across the country, the COVID-19 pandemic has meant a sudden absence of social time with friends who they’d typically see at school. For Jade, the pressures of the pandemic can often be incredible loneliness, even with her grandma, grandpa and mom living at home with her.“Two months ago, we were all hanging out. Now we’re all home. It’s really hard, but I’m getting used to it now,” she said.Before the pandemic began, Jade was enrolled with the group Big Brothers Big Sisters of Central Massachusetts. In an effort to make sure Jade is handling the pressures of the pandemic, Jade’s “Big Sister” and mentor Angela Potts has been scheduling weekly Zoom calls.From the very start of quarantine, the pair decided baking would be the way they would bond from afar.“It keeps your mind off of everything negative that’s going on in the world,” Angela said from her kitchen as she added chocolate chips to the Rice Krispies Treats that she was making.Each week, the pair chooses a recipe, then they schedule a time to cook together. Even though they aren’t meeting in person, it still gives Angela a chance to check on her mentee.“If she needs someone to talk to, to reach out to, I’m here for her and I hope she knows that,” Angela added.Across the country, Big Brothers Big Sisters has turned to virtual meetups to make sure vulnerable kids and teens are still getting one-on-one time with mentors.“Now is the time that kids need that extra support. The world is just in chaos, so we’re letting them know they aren’t alone,” said Courtney Evans who works for the nonprofit.Until Big Brother and Big Sisters can meet with their mentees again safely in person, the organization says virtual meetups are making sure kids don’t slip through the cracks. 2221
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