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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

Moderna says that it will file for Emergency Use Authorization for its COVID-19 vaccine candidate after a primary efficacy analysis showed it to be 94% effective in preventing the virus.In a press release on Monday, Moderna said that a primary efficacy study of its vaccine candidate showed it to be 94% effective in preventing COVID-19 infection and that no participants who received the vaccine developed a severe case of the virus.According to Moderna's press release, of the 30,000 participants who took part in a Phase 3 trial, 196 have since contracted the virus. Of those participants, only 11 had received the vaccine — the other 185 had received a placebo. Only 30 people who took part in the trial have developed a severe case of the virus, all of whom received a placebo shot.The findings are consistent with efficacy figures released by Moderna just weeks ago. Moderna is the second U.S. company to seek Emergency Use Authorization for a COVID-19 vaccine. Pfizer submitted its application earlier this month.Like Pfizer's vaccine, the Moderna vaccine requires two shots that need to be taken 28 days apart. It also needs to be stored at ultra-cold temperatures before injection.Health experts say it is encouraging that there are multiple COVID-19 vaccine candidates that are nearing authorization, as the public will be less reliant on one vaccine in the unlikely event of safety issues.Experts like Dr. Anthony Fauci have said that there is a chance that some Americans in high-risk populations could begin receiving the vaccine in the coming weeks. However, COVID-19 vaccines won't be available for widespread use until the spring.Moderna's vaccine was funded in part by country singer Dolly Parton, who donated million to COVID-19 research at Vanderbilt University earlier this year. 1810

Nearly 15,000 jobs are at stake as General Motors has announced it may be closing as many as five factories.The company said it will close the Detroit-Hamtramck Assembly Plant in Detroit and Warren Transmission Operations in Warren. Other plans closing include the Oshawa Assembly Plant in Oshawa, Ontario, the Lordstown Assembly in Warren, Ohio and the Baltimore Operations in White Marsh, Maryland, WXYZ television station reports.The moves are the first big steps in the century-old GM's transformation. It is closing facilities and reinvesting money away from cars that once dominated roadways and to technology that the company believes will power its future."These actions will increase the long-term profit and cash generation potential of the company and improve resilience through the cycle," CEO Mary Barra said.GM is preparing for the next economic downturn and potential tariffs on auto imports. It will reduce its salaried workforce by 15 percent, including a quarter of the company's executives.A plant in Canada that is closing will eliminate 2,500 jobs. The Canada plant set to close as part of the global restructuring is in Oshawa, Ontario, where it has been open since 1953. The private sector union Unifor said it has been informed there is no product allocated for the plant past December 2019.The union will meet with GM leaders later today.The company's plant closures have been expected due to struggling automobile sales. Layoffs in the United States will affect factory and white-collar workers, The Washington Post reports. 1588

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

Music can move the soul.Learning to carry a tune or play a chord can be a much-needed break from reality“Certainly, it helps people to heal in more than one way,” said Ty Hughes, music director at School of Rock Denver. He’s been teaching students online since the pandemic hit.“A lot of people are inspired to teach themselves a new skill or rather to work on a new skill, and take up a lot of the time they’re finding they have on their hands during these troubled times here,” he said.Recently, Hughes’ student base has grown from children to an older audience.“I’ve had at least about 75% more adults show up on my schedule these days,” he said.People like health care worker Janae Martinez, who started playing her guitar again while staying safe a home“It was very therapeutic for me in general,” she said of playing music. “So, I knew that I needed it again during the pandemic.”The mother of two says practicing playing helps her focus on things other than the virus.“It heals. It quiets my mind,” Martinez said. “It eases my soul if you will.”With more adults taking music lessons and picking up other hobbies during the pandemic, mental health experts say these activities can help the mind and body.“The feeling that I think some people had at the beginning of the pandemic is like, ‘everything is going to hell. How can I make the best of this,’” said Sean Ransom, Ph.D., clinical director at the Cognitive Behavioral Therapy Center of New Orleans.He says if things someone enjoys are taken away, like many were during the COVID-19 crisis, it helps to find something else that brings meaning into their life.“Hobbies have their own benefit that bring us a sense of accomplishment,” Ransom said. “They bring us a sense of growth.”While an online experience might not be enough for some people who prefer more social interaction, there’s still benefits from this type of training.“It’s been an adjustment but that’s what music has always been about is adapting to the times,” Hughes saidHe added that it’s never too late to learn something new.”Music is the healing answer,” Hughes said. ”Music is the magic. That’s what we’re going to keep going at.” 2169

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