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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

NASHVILLE — With the popularity of genetic testing kits increasing, more people may begin to experience repercussions where their insurance premiums are concerned.The internet provides people with nearly anything they could possibly want day or night, but you may want to think twice before ordering a take-home genetics test from one of the many sites that offer them.Insurance premiums are determined by what sort of risk a person poses to their insurance company. This means that learning more about your heritage and the health conditions in your family history could lead to your insurance company charging you more.Jason Veirs, president and owner of insuranceexperts.com, warned that "a genetic test through a physician will become part of your medical history." Veirs says the general rule is if it's in your medical records, insurance carriers can ask to see  it. On the other hand, if you are using a consumer genetic testing kit, you will have to decide whether or not your trust that company to keep your results private.In the end, insurance companies cannot force you to take a genetics test and therefore, the choice to use one of these kits is entirely up to you. 1212

National lab companies are offering antibody tests as part of their return to work offerings, but doctors are warning these tests shouldn't be used yet to determine whether it's safe for you to be back in an office.“There is not a perfect antibody test out there right now to determine an individual’s immunity to COVID-19,” said Dr. Susan Bailey, President of the American Medical Association. “The tests are getting better. We've come a long way in the last few months, but we're certainly not ready to do anything like give someone an immunity certificate or anything like that.Quest Diagnostics and LabCorp are two companies offering the testing to employers.LabCorp does say that antibody testing should not be used as the sole basis to diagnose or exclude COVID-19 infection.Quest Diagnostics also emphasizes it is unknown how long antibodies persist following infection, and if the presence of antibodies gives you immunity.That's something the American Medical Association agrees with.“Everything needs to be taken in context. Have you been exposed to COVID-19? How careful have you been? Have you been in any settings where you might have been inadvertently exposed?” asked Bailey. “The lab values themselves may not mean a whole lot. We still have a lot to learn when it comes to what defines immunity to COVID-19.”Bailey also points to early studies on antibodies that indicate they may not last very long. She says she's not sure antibody testing is ever going to be the way to go to determine when someone is safe to go back to work.If you do get an antibody test, it's important to go over it with your doctor so they can help you understand the significance of it.The American Medical Association says antibody tests can be helpful to try to see how many people in an area have been exposed to COVID-19, and also for determining if someone who had COVID-19 is eligible to donate plasma. 1909

NASHVILLE, Tenn. - The 65th Nashville Christmas Parade Organizers have announced that Kid Rock will no longer serve as the Grand Marshal of the Nashville Christmas Parade. The organizers have stated that they believe the Grand Marshal should "personify the spirit of Nashville" and therefore, have invited James Shaw Jr. to hold this honor. Shaw became a hero in the community after stopping a shooting at a local Waffle House earlier this year. This news came after Nashville Mayor David Briley announced he may not participate in the city’s Christmas parade if Kid Rock remained the Grand Marshal. The Mayor’s Office issued a statement Friday, saying “if Kid Rock is still the grand marshal tomorrow, the Mayor is inclined not to participate.” Briley’s statement came just hours after Kid Rock’s appearance on “Fox & Friends,” in which he called Joy Behar a “b----.” “God forbid you say something a little bit wrong, you’re a racist, homophobic, Islamophobic, this that and the other. People need to calm down, get a little less politically correct and I would say love everybody except that Joy Behar b----,” he said. Metro Councilman Freddie O’Connell tweeted he won’t be participating in the event, saying “The choice of Grand Marshal evokes neither the spirit of Christmas nor the inclusivity I think represents the best of Nashville.” 1413

NATIONAL CITY, Calif. (KGTV) — One lucky local struck it rich in a recent SuperLotto Plus drawing, winning a million jackpot.Victor Diaz purchased his SuperLotto Plus tickets from a 7-Eleven at 1601 East 18th Street in National City, according to California Lottery. Although his numbers were randomly chosen, Diaz said he had a good feeling when he saw two of his numbers were 3 and 16, relating it to the Bible verse "John 3:16."His numbers 3, 9, 23, 27, 35 and Mega number 16 ended up being the perfect pick, netting him the million jackpot.The 7-Eleven will also receive 0,000 for selling the winning ticket, the state lottery says.Although Diaz told the lottery he doesn't have plans for the money yet, he and his wife want to buy a house, donate to their church and charities, and start college funds for their children. A family vacation may also be in the cards.Other than that, Diaz said, "We will wait to see what God has planned for us."It wasn't clear if Diaz decided to take the lump-sum payment or annual payments for his jackpot win. 1067