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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’s no secret we’re living in a very divisive time right now. It seems to be Democrats versus Republicans, or conservatives versus liberals. Whether it’s a family member or life partner, many of us are living with someone of an opposing viewpoint.In recent years, Jim Ryan has gotten used to playing pool by himself, but of course, he’d rather not play alone. He says in his old age he’s really appreciated having somebody else by his side.“I’m a widower and it’s nice to have a significant other that can help you out, and you can help them out,” Ryan said.Two and a half years ago, he met a new partner, but it didn’t take long to find out their political opinions were very different. He says he’s been a lifelong Democrat, and she’s a Republican. In a game of pool, if he were solids, she’d be stripes.“She said well, ‘Is that a dealbreaker since we’re opposite viewpoints?’ And I said 'Well, let me get back to you on that’ and we’ve been dating ever since,” Ryan said.Even though their feelings for each other are mutual, Ryan’s partner did not want to be identified in this story. He says she told him there’s too much tension between parties right now. Nonetheless, they have found a way to continue loving each other regardless of their political differences.“Politics, like religion, can be a game changer,” Couple's Counselor Ray Wynfield said.Ray Wynfield has been a couple’s counselor for nearly four decades. He says he offers advice to couples who politically disagree.“It’s a choice, people need to know it’s a choice. You can end a relationship over a church or religion, you can a relationship over politics – over Trump and Biden.”However, if you want to keep the peace between you and your significant other, or another family member, Wynfield says there’s a simple solution.“Don’t discuss it," Wynfield said. "Unless you can discuss it in a kind and respectful way where both people’s opinions and both people’s positions are respected.”Ryan says that’s something he often practices.“There are times where I have to bite my lip, and usually I’m the one that bites my lip,” Ryan said.According to Wynfield, if you and a loved one are struggling to get along in the midst of election season, you can work on skills to find peace between each other.“We need good communication skills, we need skills on how to be aware of our emotions, how to be aware of other people’s emotions,” Wynfield said.If you really do want to discuss politics, he says you shouldn’t react to another person’s views in a hateful way.“Even if you don’t like their candidate, even if you don’t respect their candidate, even if you think their candidate is evil, you don’t say that,” Wynfield said.In his 70 years of life, Ryan says he’s had civil conversations with people of opposing viewpoints. He’d like to see the same happen at the Capitol and all over the country.“I have a lot of friends that are lifelong Republicans and we get along just fine,” Ryan said.Above all else, Wynfield says we need to focus on the good our loving relationships bring us. He says there is so much more to each of us than our political affiliation.“What I hope people do in the next two weeks and after the election regardless of the results – that people can be kind and loving to each other and really appreciate the magic that they can have with a special friend,” Wynfield said. 3368

Instead of planes, trains, automobiles, and hotels, more and more travelers are considering renting an RV for upcoming trips.After all, there is virtually no risk of contracting COVID-19 when you are sleeping and eating in your own home on wheels.But while it appears a great way to travel, you need to know the pros and cons before you rent a camper (that you pull) or motor home (that you drive).It's the vacation rage of 2020, according to Money magazine, which calls RV's "virus friendly," since you drive across the country with your own bedroom and kitchen.But Money says many people end up surprised at the total cost, which can total a lot more than you first think.Know the real costRV rental can range from 0 to 0 per night, similar to a hotel room.Campsites are another to as much as 0 a night, depending on location and amenities.Gas can cost to 0 per day, even with today's low gas prices, as most motor homes get just 5 to 10 miles per gallon.Your auto insurance may not cover the full value of that RV, and your credit card may not cover it at all. That means you may have to pay or more per day for RV insurance.Add it up and you can end up spending 0 - 0 per night, though it is still cheaper than a 0 a night luxury resort.One other downside: many rental RV's are budget models, without all the high-end amenities you see at RV shows. Tour the model first, before you rent.Pull-behind camper or motor home?Campers that you pull tend to rent for less than models you drive.But think twice about a pull-behind camper if you have never towed a vehicle before. You will need an SUV or pickup built for towing, with a tow package that includes brake light hookups.And if you have never towed anything, you could be in for a surprise when you try to back up.A small or mid-size motor home that you drive is usually best for first-timers, experts say.And you have your own COVID-free accommodations, which can be well worth the cost.Bottom line: Campers are a great way to travel safely during the pandemic. Interested? Check a major rental firm like Cruise America. Or rent directly from owners at RV Share.Just know all the costs involved, so you don't waste your money.___________________________Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 2534

It’s no secret we’re living in a very divisive time right now. It seems to be Democrats versus Republicans, or conservatives versus liberals. Whether it’s a family member or life partner, many of us are living with someone of an opposing viewpoint.In recent years, Jim Ryan has gotten used to playing pool by himself, but of course, he’d rather not play alone. He says in his old age he’s really appreciated having somebody else by his side.“I’m a widower and it’s nice to have a significant other that can help you out, and you can help them out,” Ryan said.Two and a half years ago, he met a new partner, but it didn’t take long to find out their political opinions were very different. He says he’s been a lifelong Democrat, and she’s a Republican. In a game of pool, if he were solids, she’d be stripes.“She said well, ‘Is that a dealbreaker since we’re opposite viewpoints?’ And I said 'Well, let me get back to you on that’ and we’ve been dating ever since,” Ryan said.Even though their feelings for each other are mutual, Ryan’s partner did not want to be identified in this story. He says she told him there’s too much tension between parties right now. Nonetheless, they have found a way to continue loving each other regardless of their political differences.“Politics, like religion, can be a game changer,” Couple's Counselor Ray Wynfield said.Ray Wynfield has been a couple’s counselor for nearly four decades. He says he offers advice to couples who politically disagree.“It’s a choice, people need to know it’s a choice. You can end a relationship over a church or religion, you can a relationship over politics – over Trump and Biden.”However, if you want to keep the peace between you and your significant other, or another family member, Wynfield says there’s a simple solution.“Don’t discuss it," Wynfield said. "Unless you can discuss it in a kind and respectful way where both people’s opinions and both people’s positions are respected.”Ryan says that’s something he often practices.“There are times where I have to bite my lip, and usually I’m the one that bites my lip,” Ryan said.According to Wynfield, if you and a loved one are struggling to get along in the midst of election season, you can work on skills to find peace between each other.“We need good communication skills, we need skills on how to be aware of our emotions, how to be aware of other people’s emotions,” Wynfield said.If you really do want to discuss politics, he says you shouldn’t react to another person’s views in a hateful way.“Even if you don’t like their candidate, even if you don’t respect their candidate, even if you think their candidate is evil, you don’t say that,” Wynfield said.In his 70 years of life, Ryan says he’s had civil conversations with people of opposing viewpoints. He’d like to see the same happen at the Capitol and all over the country.“I have a lot of friends that are lifelong Republicans and we get along just fine,” Ryan said.Above all else, Wynfield says we need to focus on the good our loving relationships bring us. He says there is so much more to each of us than our political affiliation.“What I hope people do in the next two weeks and after the election regardless of the results – that people can be kind and loving to each other and really appreciate the magic that they can have with a special friend,” Wynfield said. 3368

It's been an above-normal day of controversy in Washington D.C. with regard to President Donald Trump and his border wall funding needs.The President met with the top House and Senate Democrats at the White House to talk about the funding, which, if it continues dividing the government, will lead to a shutdown.The deadline for the border wall funding to be approved is Dec. 21 — the end of a current funding extension lawmakers passed after the death of former President George H.W. Bush. Here are some things to know about the situation:? Trump says he will "proudly" shut down the government if Congress doesn't approve his request for billion for the border wall and security, which is designed to keep people in Mexico from crossing into the U.S. illegally 773

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