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It’s the classic vision of Election Day – head to your polling place, check in and vote.But this year, the tradition at the base of our democracy will look very different. Ballots will arrive in the mail for more people than ever due to the pandemic.So, how does the process work? It’s streamlined and closely monitored.You, a voter, get your ballot in the mail. You fill it out and seal it in the provided envelope. It’s crucial you don’t forget to sign in the designated area.From there, you can add postage and drop it in the mail. Some cities have ballot drop boxes that go directly to the county with no stamp or post office needed.Once the state has your ballot, it goes through different stations where independent workers open the envelope, scan the ballot, and check to make sure everything is valid. That process is often open for public viewing, either in-person or streaming online.While that’s meant to provide some transparency, mail-in voting is new to millions of people and some worry it’s not safe and secure.The head of the Federal Election Commission recently tried to put worries at bay. She is quoted as saying “there’s simply no basis for the conspiracy theory that voting by mail causes fraud.”And the statistics back that statement up. The Heritage Foundation, a conservative think tank, found 143 voter fraud convictions out of 250 million mail-in ballots cast since 2000. That works out to about eight cases per year, nationwide.If you are voting by mail, there are three easy ways to make sure your ballot counts.1. Fill it out properly. Don’t go outside the lines or make any stray markings on the ballot.2. Sign your envelope and make sure the signature matches what you have on file.3. And vote early. Experts say it’s the best way to make sure your vote counts. 1801

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

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

In the race towards a COVID-19 vaccine, there have been a lot of hurdles. In the spring months, it was learning about a novel virus: how it spreads and affects the body. Then, it was developing a vaccine that was not only effective but safe.Now that Pfizer and Moderna have both announced vaccines with nearly 95-percent efficacy, the challenge is not developing one, but rather getting people to actually get the vaccines.“Maybe 10-15 percent of people are just never going to go get a vaccine because they feel strongly against it,” said Katy Milkman, a professor at the Wharton School of Business at the University of Pennsylvania.Earlier in the summer, 72 percent of Americans said they would take a COVID-19 vaccine, according to a study by the Pew Research Center. But in the months that have followed, that number has steadily declined. Now, according to a recent Gallup poll conducted in early November, 42 percent of Americans said they would not get an FDA-approved COVID-19 vaccine. 1001

Inside the mobile medical unit, there is room for an exam table for an examination. Other, larger containers will be able to have patients come through for COVID tests and vaccines. 189

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