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Millions of Americans will head to the polls on Tuesday. Many will undoubtedly run into problems trying to cast their vote — be it long lines, language barriers, or intimidation tactics.But remember, all Americans are afforded certain rights when they perform their civic duty — and it's vital that everyone know those rights to ensure every vote is counted.According to the American Civil Liberties Union, these rights are afforded to every voter.Anyone who feels that their right to vote was infringed upon can call the Voter Hotline at 866-OUR-VOTE. The hotline is run by Election Protection, a coalition of lawyer's groups dedicated to voting rights.Voting logisticsIt's not uncommon for polling stations to see long lines on Election Day. But as long as a voter gets in line before that polling station closes, they have the right to vote. Even if there are still hundreds of people ahead of you in line as the polls are closing, stay in line — you will still be allowed to vote.Voters are also allowed to ask for a new ballot if they believe they've made a mistake. All voters should also be given the right to vote on a paper ballot if electronic machines are down.Registration issuesShould a poll worker tell you that you are not listed on a list of registered voters, take the following steps:Have the worker double-check the spelling of your nameAsk if there is a supplemental list of voters.Confirm you are at the correct polling station. If not, ask where your assigned polling station is and how to get there.If the poll worker cannot find your name, ask them to check a statewide system or contact your state's primary election office.Anyone still having issues voting can also vote provisionally. That means a voter can even cast their ballot, but state officials will need to confirm the registration before it is counted. If and when the state guarantees that the voter is registered, the vote is counted.In addition, many states allow voters to register on Eleciton Day. Those states are Alaska, California, Connecticut, Washington, D.C., Hawaii, Idaho, Illinois, Iowa, Maine, Maryland, Michigan, Minnesota, Montana, Nevada, New Hampshire, Rhode Island, Utah, Vermont, Washington, Wisconsin and Wyoming. Voters who register the day of the election in Alaska and Rhode Island are only permitted to vote for President.Rights for voters with disabilitiesFederal law requires that all polling stations be fully accessible to all Americans, including those with disabilities. That law includes not just physical disabilities, but it also covers conditions like vision impairment and dyslexia. All polling stations should consist of at least one booth with a voting system that allows those with disabilities to vote privately and independently.Those with disabilities that prevent them from communicating can also receive help from a person of their choice, so long as that person is not their employer, an "agent" of their employer, or an officer of their worker's union.Finally, poll workers must provide "reasonable accommodations" and help voters with disabilities if they can. They cannot deny a voter with a mental disability the right to vote because they feel they are not qualified.Voters with disabilities should also be comfortable asking poll workers if they feel they are unable to stand in line or have other physical limitations that would prevent them from voting.Language barriersUnder the Voting Rights Act, individual counties are required to provide "bilingual assistance to voters in specific languages." Those counties are required to provide all election materials in those languages.Voters who don't speak English can also bring a helper, as long as they are not an employer, an agent of their employer, or a member of their union.Voter intimidationIt is illegal to intimidate, threaten or attempt to coerce a voter at a polling station, and anyone who does would be charged with a federal crime. Forms of intimidation may include:Anyone who questions your citizenship or criminal recordAnyone that falsely identifies themselves as a poll workerAnyone spreading misinformation at a polling stationBe sure to keep an eye out for familiar sources of misinformation at the polls.Speaking or reading English is not a requirement to vote.Voters do not need to pass a test to vote.Some states do not require a photo ID to vote.Anyone who believes they have been victims of voter intimidation can offer a sworn statement to a poll worker and then cast their ballot. Voters can also call the Voter Hotline at 866-OUR-VOTE for help. 4568

Mail deliveries could be delayed by a day or more under cost-cutting efforts being imposed by the new postmaster general. The plan eliminates overtime for hundreds of thousands of postal workers and says employees must adopt a "different mindset” to ensure the Postal Service survives the coronavirus pandemic. "The initial step in our pivot is targeted on transportation and the soaring costs we incur, due to late trips and extra trips, which costs the organization somewhere around 0 million in added expenses," the 2-page notice states. The plan calls for limiting overtime, late or extra trips are "no longer authorized or accepted.""One aspect of these changes that may be difficult for employees is that.- temporarily - we may see mail left behind or mail on the workroom floor or docks (in P&DCs), which is not typical."Postal Service leaders say in a document obtained by The Associated Press that if postal distribution centers are running late, “they will keep the mail for the next day."The document is dated July 10, and says many of the changes will happen immediately. The changes come a month after a major donor to President Donald Trump, Louis DeJoy, took over the sprawling mail service. 1221

Millions of American children are spending this fall semester taking at least some of their classes online, through Zoom, Google Meet and other platforms.And while many of the bugs, glitches and surprise Zoom "bombings" of this past spring have been fixed, experts say many threats remain.Arneesha Collins, parent of an elementary-aged boy, worries what her son is exposed to when she is not watching."I already don't want my son on the iPad or computer a lot," she said, "because when he gets on there he is already on YouTube."Laura Pipitone has two young children doing some learning at home, and says the technology is still frustratingly glitch-filled."Especially on the iPads the younger kids get, I have to log out and log back in every session," Pipitone said.She is afraid to leave her youngest one alone long at the computer."Parents are kind of expected to be in the room, so I feel like I am back in kindergarten," she said. "It's hard!"Cyber security expert Dave Hatter says hackers and predators are looking at all those children learning online as prime targets."These sort of threats against children have risen during the pandemic," Hatter said, "because kids are spending a lot of time online. You get things like 'Zoom bombing' where someone is screaming racial epithets or is semi-clothed and shows up in the video."Four things parents can doHatter, the head of Intrust IT, says parents of online learners need to take four basic security steps to ensure their screens are not open to prying eyes.Step 1: He says you should start by making sure your WiFi router is not using the default 1-2-3-4 password, or using a password that every kid in the neighborhood knows by now."It's difficult for parents to stay on top of this, but the bad guys on the other hand learn what the cool thing is, because they know where the kids will be," Hatter said.Step 2: Make sure you do regular updates of your PC and software, which patches holes that hackers will take advantage of."Installing the Windows updates is an absolute must," Hatter said. "But you gotta make sure you are updating Zoom as well, and the other software you are using on these devices."And he says make sure your school is following the latest suggestions for safe Zooming, such as the teacher being in the room at all times, and guests having to be invited in.Step 3: Hatter says you need to talk to your kids. Instruct your children to watch for strangers popping up online trying to befriend them on TikTok, Instagram, or other sites that, face it, kids often visit when class becomes boring."Warn your kids about this sort of thing. Tell them not to give personal info to someone you don't know; never agree to meet someone," he said.Step 4: Consider parental software for younger elementary-age children. Hatter suggests you look at services like Net Nanny, Norton Family Premier, Qustodio, or Kaspersky Safe Kids that limits sites children can visit, and tells you where they have been. (PCMag rates the top parental software program).Some services will also run your computer through a VPN (Virtual Private Network) that encrypts your data, making it almost impossible for a hacker to peek in.Arneesha Collins is happy her school has moved to a hybrid system, with some in-class learning, but can't wait for the days when full-time school returns."I wish they were back in school, yeah," she said.___________________________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 3701

Manufactured homes are making a comeback. Bloomberg reports since 2009, the homes have been on the rise. Many home buyers are turning to manufactured homes, because they are more affordable.Features that make them appealing to home buyers, include open floor plans, spacious kitchens and big bedrooms and bathrooms. “A lot of people are surprised when they come into our homes for the first time," says Phillip Dickson, with Clayton Homes. "It’s not what they are expecting.”However, there are a few things, aesthetically, that are different. There is a marriage line down the center of a manufactured home. When it’s assembled, it comes in two pieces. In recent years, Dickson says he’s seen an uptick in purchases. He says people are needing affordable housing in this competitive market. According to the National Association of Realtors, an average American home cost about 8,000. A starting price for a manufactured home, with no add-ons, can cost just ,000.When it comes to a manufactured home, there are many housing experts that say factory-built homes depreciate in value. However, Dickson says whether your home is manufactured or not, if you live in a great location, the value of your home will go up. Despite the value of a manufactured home, there are many buyers worried more about the home’s quality. But Dickson says the same requirements put in place for a site build home are still required for manufactured homes. Dickson hopes to break the stigma of how people view a manufactured home. He says if you’re looking to buy a home that you can customize, place where you want and keep it under budget, then a manufactured home might be your best choice.  1760

Many districts across the country are looking ahead to this fall and trying to make plans about how students could, or should, return to the classroom. A nationwide pediatric group is urging local leaders, parents and education systems to collaborate and create policies that allow for as much in-person learning this fall as possible.The American Academy of Pediatrics released guidance on their website based on in-person attendance at schools being not only fundamental to children’s mental, social and physical development, but also playing “a critical role in addressing racial and social inequality … it is critical to reflect on the differential impact SARS-CoV-2 and the associated school closures have had on different races, ethnic and vulnerable populations.”The recommendations include masks, physical distancing, and outdoor play, with more specifics. Such as, the AAP recommends placing desks 3-to-6 feet apart as long as it allows children to attend school; the 3-foot distance can be used when face coverings are also being worn.Middle and high schools should avoid groupings of students inside doing activities involving exhalation, i.e. singing, exercising, etc. according to the recommendations. The AAP also encourages limiting locker use and moving from room-to-room for classes.The guidance extends to school faculty and staff, with the AAP urging districts to make sure adults in schools get the support they need to set a good example and stay healthy.“In the same way that students are going to need support to effectively return to school and to be prepared to be ready to process the information they are being taught, teachers cannot be expected to be successful at teaching children without having their mental health needs supported.The U.S. Centers for Disease Control and Prevention last updated their guidance to schools and care facilities in April and it is focused on quickly stopping an outbreak, cleaning facilities and maintaining continuity in education and meal accessibility.AAP acknowledges any school policy this fall should be flexible and nimble, able to respond to new information about the coronavirus and specific needs in each school, district and region.“Although schools should be prepared to be agile to meet evolving needs and respond to increasing knowledge related to the pandemic and may need to institute partial or complete closures when the public health need requires, they should recognize that staff, students, and families will benefit from sufficient time to understand and adjust to changes in routine and practices.” 2591

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