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As coronavirus cases spike around the country this fall, and cities impose new or stricter stay-at-home policies, Americans continue a trend this year of moving away from big cities and heading to affordable, smaller metro areas or suburbs.In the last few months, Santa Barbara, Louisville, Buffalo, Burlington, and El Paso were the top five cities with more people looking to move there compared to people looking to leave, according to data from Redfin, a home listing company.Redfin looked at data from the third quarter of 2020, and compared it to data from 2019 about how many people were looking into moving to or leaving certain metro areas.“Remote work has opened up a whole new world of possibilities when it comes to buying a home,” said Redfin chief economist Daryl Fairweather in a release from the company. “Many residents of expensive areas like New York or Los Angeles couldn’t manage to afford rent and save for a home at the same time. So it’s no wonder that these folks are looking to buy homes in much more affordable places like Louisville and Little Rock.”Previous reports have shown similar trends in 2020, as the number of vacancies continue to climb in places like Manhattan, home prices are increasing and supply is dwindling in suburbs and smaller cities.An August report from HireaHelper.com, a website that helps with movers, found high-rent cities like San Francisco and New York saw more people leaving than moving in; both cities had 80 percent more people moving out of the area than moving in. Meanwhile, the state of Idaho saw an increase of 194 percent more people moving in compared to leaving.In the Redfin data, Santa Barbara seems like an expensive outlier in the list of affordable cities. The other cities on the top ten list all have median home prices below the national average of 4,000.“Santa Barbara has become even more popular since the beginning of the pandemic as remote workers leave dense cities for picturesque places with more open spaces and beaches. Another advantage is that it’s not too far from Los Angeles, so remote workers have the option of commuting one or two days a week when offices open,” said California Redfin agent John Burdick in a statement.Overall, Redfin says 29 percent of people looking for homes on their sites in the third quarter of 2020 were looking to move to a different city. 2370

As many parades and gatherings are canceled this Veterans Day, a campaign to honor veterans is taking to social media. Organizers hope it will bring togetherness and attention toward those who have served and sacrificed.“When I returned home from serving on active duty, when I took my uniform off for the last time, I felt like I’d removed my purpose right along there with the uniform,” said Mary Beth Bruggeman, who served eight years in the Marine Corps as a combat engineer.Bruggeman was deployed to Iraq, where she led more than 100 Marines and dozens of vehicles across the border during the Iraq invasion. Yet, when all of that was over, she felt empty."So, for me, finding a way to serve again was the thing I really needed and the other challenges I had that I was facing in my life came after the ability to really find and connect back to that purpose,” Bruggeman said.Bruggeman is the current president of "The Mission Continues.”“It connects veterans with the opportunity to find purpose again through additional skill building and then repurposing those skills in community,” Bruggeman said.While Bruggeman’s organization’s work is always ongoing, t

An entire youth football team in Illinois kneeled in protest during the national anthem before their game last weekend.Video of the players from the age 8-and-under Cahokia Quarterback Club football team kneeling during the anthem has gone viral and was met with some backlash online, according to St. Louis's KTVI-TV.Orlando Gooden, the team's coach, told KTVI the protest was the kids' idea and came about when one of them asked him about the protests and riots that have shaken St. Louis in the past week since police officer Jason Stockley was found not guilty in the shooting death of Anthony Lamar Smith. 623

As many Americans face months on end stuck indoors, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.Tell your insurer about your plansThere’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform the company of your plans and clarify your policy’s current coverages and limits. If your home costs more to replace after you’ve improved it, some insurers will pay the new expense to rebuild, but “that’s not every policy, and it may not cover everything you need,” Griffin says. He also recommends once a year reviewing what your home insurance policy covers.In some cases, you may need to change carriers to get the coverage you need. Frank Jones, an independent agent and partner at Mints Insurance Agency in Millville, New Jersey, has seen clients switch insurers because an addition wasn’t covered. “It’s in your best interest to have these conversations now rather than to have a claim denied,” he says.A new desk and computer for remote learning, plus that monitor and chair in your home office will add up and could exceed your personal property coverage limit.Renters insurance policies cover your stuff, but they have limits too. If you have new electronics or office equipment, check with your insurer to make sure you have enough coverage for them.Make an inventory of your propertyTo help you know if you’ve exceeded your policy limits, keep records of what you buy. In fact, Griffin recommends taking inventory of your belongings every year — a written inventory is best, but even a simple smartphone video tour of your home will suffice.Losing a home is an emotional time, Griffin says. When it’s time to file a claim, “you don’t always remember what you have.” An inventory will clearly show what you had before a disaster and will make the claims process easier.Add sufficient coverageStructural changes, such as a full kitchen replacement or adding an in-ground pool, will have the greatest impact on your homeowners insurance. But even something as simple as adding a fence can change the value of your house, and if your home’s value increases, so should its dwelling coverage, Griffin says. Otherwise, in the event of a claim, your insurance policy won’t be enough to rebuild, according to Griffin.When adding coverage, pay attention to how much it would cost to rebuild your home, not how much you spent to upgrade the house, according to Jones. “These are two different numbers,” he explains. “If an addition costs ,000 to put on, the insurance company looks at the rebuild construction cost, and you might not get that back.”Avoid pitfallsOn top of ensuring coverage, a proactive conversation with your agent could help you avoid potential renovation pitfalls. For example, he or she may advise adding building ordinance coverage to protect you from having to pay out of pocket for any expenses that keep your home compliant with local laws and regulations.For renovation projects that are too big to take on yourself, hire a licensed and bonded contractor who carries builders risk coverage to protect expensive construction materials from theft or damage while they are on your property. You can find one through a building trade association.And when you’re doing a home renovation project, take plenty of photos — before, after, and along the way, if you’re able. These could come in handy if you file a claim and need to redo the work.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWallet4 Home Insurance Pitfalls to Avoid During Hurricane SeasonLosing Employee Life Insurance Due to Job Loss: What’s Next?How to Get Cash From Your Life Insurance PolicyBen Moore is a writer at NerdWallet. Email: bmoore@nerdwallet.com. 4353

ANAHEIM (CNS) - Orange County health officials are investigating 12 cases of Legionnaire's disease among people who traveled to, resided in, or worked in Anaheim during the month of September.  The discovery has led to the shutdown of two cooling towers at Disneyland, which nine of the 12 people visited during September.  "On October 27, 2017, when the Disneyland Park was identified as a common location of eight (8) cases, HCA contacted the Disney organization and set up site visits at the Park to assess potential sources. Since that time, HCA staff have visited Park properties and worked with Disney to identify potential sources of Legionella," said Jessica Good, spokeswoman for the Orange County Health Agency."On November 3, 2017, Disney reported to HCA that records provided by a contractor indicated that (as part of their quarterly, routine testing) elevated levels of Legionella had been identified in (two of 18) cooling towers on October 2, 2017 and treated/disinfected by the contractor on October 4, 2017. Neither Disney nor the contractor would have been aware of the human cases at that time."On November 1, 2017, Disney had the towers taken out of service. They report having performed subsequent testing and disinfection and brought the towers back into service November 5, 2017. Test results will not be known for approximately 10-14 days."Because of the existence of human illness and the inability to assure the cooling towers are clear of Legionella bacteria until test results are known, the County of Orange Health Officer issued a Health Officer's Order on 11/8/17 requiring that Disney take the towers out of service until they are verified to be free from contamination, at which time the Health Officer will lift the order Disney independently made the determination to take the towers out of operation on 11/7/17, after meeting with HCA staff but prior to the order."The 12 cases range in age from 52 to 94, Good said. Ten of the 12 were hospitalized and one person with additional health issues died. That person did not visit Disneyland, she said.There is no known ongoing risk associated with the outbreak, according to Good.Health agency officials say the disease is becoming more common, citing 55 reports of Legionella disease in Orange County through October 2017, compared with 53 for the entire year of 2016 and 33 in 2015.Officials say Legionella, at low levels, poses no threat to humans and is commonly found in human-made water systems. It becomes problematic when it is in large quantities, typically due to stagnant or improperly sanitized spas and water systems.When Legionella bacterial levels are high, it can be transmitted through inhalation of contaminated water vapor. Typical sources are improperly sanitized spas; indoor and outdoor fountains, showers, and cooling towers (which emit water vapor into the air) used as part of air conditioning systems in large spaces such as hospitals, hotels, entertainment venues, etc.Symptoms of legionellosis develop 2-10 days after exposure, and include fever, chills, cough, muscle aches, and headaches. Infected persons often have pneumonia and may need to be hospitalized. It is treated with antibiotics, which can improve symptoms and shorten the length of illness.Persons with legionellosis are not infectious; the infection is not spread from person to person.Those most at risk of getting sick from Legionella infection include people who are smokers, have chronic lung disease or weak immune systems, and people over the age of 65.   3561

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