There are Halloween folks and then there are those among us who can take it or leave it. Oh, and a handful of downright scrooges who despise the holiday. Those are the people who don’t buy candy, don’t put pumpkins out and refuse to turn on the porch light.

The latter are the ones who so hope that the holiday is cancelled this year, because of the pandemic.

Guess what? Halloween 2020 is on

Yes, we need to be a bit more creative and a lot more cautious, but Halloween is alive and well, despite COVID-19.

How to celebrate Halloween safely

The Hershey Company and The Halloween and Costume Association have partnered to provide Halloween safety guidelines. Head over to Halloween2020.org. There you will find a map, color-coded by a county’s COVID risk level.

Once you know your county’s color, you are then invited to read a list of safe Halloween practices in your area.

Most counties in the U.S., by the way, are in the “yellow,” or moderate risk category.

Naturally, if you or a family member are in a high-risk category, such as the elderly and those with pre-existing conditions or compromised immune systems, you should stay home and not risk your health.

The Centers for Disease Control (CDC) has released its suggestions for keeping safe during the fall holidays, such as Thanksgiving, Rosh Hashanah, Yom Kippur and, yes, Halloween.

The safety guidelines presented by Hershey and the Halloween and Costume Association are based on the CDC’s guidelines.

Tips on celebrating according to your “risk zone”

In any of the zones, if you decide to throw caution to the wind and head out into the night to get your share of candy, look for the official Safehouse certificate on homes.

“These are the folks that will have a table or sanitized barrier to help you maintain a safe distance as you grab your goodies!

Watch for 6-foot markers in front of homes and in driveways, that’s a great sign that those folks are going the extra mile to help keep you healthy!”

Green Zone

Counties in green zones have the lowest incidence of COVID-19 infections and the recommendations for Halloween celebrations include Trunk-R-Treat.

“It’s not just for parking lots anymore! Neighborhood Trunk-R-Treats will be popping up everywhere this Halloween to help minimize the close quarters of pathways and porches.”

The same goes for the Garage Trick or Treat. “Check out the neighbors that are going all out and paving the way for garage give-outs. Driveways offer up more room to roam than a traditional walkway and can even sport more fun and frightful décor.”

Consider an outdoor (front yard or cul-de-sac) costume party. “…just don’t forget the strategically spaced seating, full moon music and bucketloads of candy!”

Yellow Zone

You’ll need to pay a bit more attention to safety measures if you’ll be trick-or-treating in a yellow zone.

We like the “reverse trick-or-treat” suggestion where the kids, in their costumes, stand in their front yards while the grown-folk neighbors do the walking from house-to-house, handing out the goodies.

Orange zone

The reverse trick-or-treat is also suggested for those in orange zones. Or, load your costumed kids into the car and drive to friends and family and exchange candy.

This one takes a bit of planning and coordinating with neighbors, but it sounds so fun. Create a trick-or-treat treasure map to where the goodies are hidden around your home or neighborhood.

Or, make it HallowEaster and skip the map. Hide the treats in orange and black plastic eggs (maybe even paint them with glow-in-the-dark paint) and let the kids loose to find them.

Naturally you’ll want to ensure that social distancing guidelines are in place.

Red zone

The experts suggest that “At-home celebrations are safest for red zones.”

• Backyard movie night with your closest friends and family
• Zoom party—This one can be organized via the NextDoor app. Put the idea out there and you’ll be surprised how many of your neighbors want to participate. Feature “games, scary stories and a costume contest. Goodie bags and candy buckets can be dropped off on doorsteps in advance or porch pickups can be arranged from one location.”
• House scavenger hunt—Transform each room of the house into a theme room, then “… send the kids on a scavenger hunt for fun swag. Hide candy, toys and prizes or even make some gift certificates to stay up late, choose the movie or eat an extra piece of candy.”
• Family movie or game night with a twist—at the conclusion, hang a piñata and let the kids go wild getting at the goodies inside.

Halloween 2020 will be different, and in more ways than we’ve mentioned. We’ll enjoy the second full moon of the month (known as a “blue moon”). and it also leads us into the end of daylight savings time

However you choose to celebrate, we hope you stay safe and healthy.

The folks at Pew Research released the results of a recent poll that shows “Half of adults who say they lost a job due to the coronavirus outbreak are still unemployed.”

How they are faring financially depends a great deal on how prepared they were to lose their paychecks.

Apparently, some are doing ok, according to another survey that finds slightly more than half of unemployed Americans are performing some sort of home improvement project. Many are going the DIY route, but handy men and women and painting and flooring contractors are quite busy as well.

If you’ve performed home improvements, or are considering doing so, you may want to speak with your homeowners insurance agent to learn if and how these projects will affect your policy.

Certain renovations will increase the home’s value significantly and, thus, the cost to rebuild it as well. Let’s take a look as some of these projects.

Swimming pool installation

Judging by the enormous spike in U.S. sales and installations of inground pools, you aren’t alone in your desire to add one to your backyard.

Although they’re pretty to look at, fun to swim in and one of the best ways to cool off on a hot summer day, they’re also considered a liability risk to insurers. Yes, it probably will raise your premium.

You can mitigate some of the risk by constructing a fence, with a locked gate, around the entire pool.

Speak with your insurance agent before the excavator arrives to get the skinny on what else you can do to keep the cost of your homeowners insurance from skyrocketing.

Need a new roof?

Adding a new roof to the home isn’t one of the more exciting home renovations, but when it has seen better days, adding a new one is a necessity.

The impact on your insurance premium depends on several factors, including the material you choose. Definitely run this plan by your insurance agent because you could qualify for a discount on your premium, depending on the roofing material you choose.

On the other hand, a new roof may increase your property value and you will need additional coverage.

Basement renovation

A finished basement is many a homeowner’s dream. It also adds to the usable square footage of the home thereby increasing the home’s market value and the cost of your insurance premium.

There is also the issue of flooding and most policies don’t cover flood damage.

“There are several reasons why a basement may experience water damage,” according to Guy Kopperud at InsuranceJournal.com.

He goes on to suggest that some of these instances are covered by homeowners insurance and others will require you to buy a certain type of flood coverage.

“Your standard policy flood damage coverage is most often based on whether the event was sudden and accidental, like an overflowing tub or product failure such a malfunctioning washing machine,” Kopperud says.

“Storms and other rising waters are generally not covered under a standard homeowners’ policy and require additional flood insurance.”

He goes on to recommend using one or more sump pumps and keeping them maintained to avoid flooding.

Most important of all is to pick up the phone and call your insurance agent while your home improvement project is still in the planning stages. Ask about discounts and how to get them and how to mitigate anything that will raise your premium.

It’s difficult to believe when looking at it, but a laminate floor is actually just a photograph of wood.

This picture is generally attached to melamine and then particleboard and the whole strip is coated with aluminum oxide.

The floor looks like wood but the aluminum oxide coating makes it four times stronger than wood, according to the experts with Lamanator Plus.

While laminate flooring provides the attractiveness of hardwood floors with less maintenance, caring for it regularly helps to maintain its shine.

Protect the Laminate Floor

Use rubber-backed rugs at all doors leading into the room with laminate flooring to catch the dirt before it hits the floor and dulls it.

Place felt pads on the legs of furniture on the floor – especially dining room chairs that are repeatedly dragged over the floor – to prevent scratches.

Use a dry dust mop or vacuum cleaner when you clean, instead of a broom, which may leave tiny scratches that build up over time, dulling the laminate’s shine.

Keep it Clean

Routine dry-mopping or vacuuming keeps small particles of dirt from scratching the laminate floor. Although the scratches may be tiny, from a distance they make the floor appear dull.

Depending on how much and what kind of traffic the floor receives, such as crawling babies or pets, you may need to sweep or vacuum daily.

Running a damp mop over the floor also helps keep the dirt from collecting in the scratches and grooves.

Remove Built-Up Residue

If you use a cleaning product on the floor, such as oil soap, it may build up over time, leaving a residue on the laminate.

Some cleaning products also leave streaks, which dulls the shine.

Remove built-up residue with 1 cup of vinegar in a gallon of water. If the residue layer is particularly thick you may need to use straight vinegar on a cloth.

It’s time consuming to have to clean the floor on your hands and knees but once the residue is removed, the laminate will shine.

Additional Tips

Since excess water may streak the laminate floor, use a slightly damp mop when cleaning.

After mopping, go over the floor with a micro fiber or terry cloth towel to remove excess water and buff the finish. As the towel becomes damp, use another, dry towel.

Remove stains, such as candle wax or chewing gum, with a plastic scraper, or putty knife. Don’t dig deeply into the finish, but lightly scrape the material from the floor.

Then, use a rag dipped in nail polish remover to remove any residue left after scraping.

Since the middle of March, more than 57 million Americans have applied for unemployment benefits. Even with those benefits, millions are falling behind on their debt payments.

Greg Iacurci at CNBC.com, citing a “new study,” claims that the late-July expiration of the additional $600 a week unemployment subsidy “… puts 6 million people at risk of not being able to pay their bills this month.”

For most of them, their credit reports aren’t top-of-mind right now. But if you are among the group, it’s important to at least consider how your unemployment is impacting your credit score.

First, evaluate where you stand

The credit bureaus often make errors in their reporting, so it’s a good idea to check your reports from “the big 3” to ensure there are no errors (such as late payments not dropping off after the time limit and others).

Americans are entitled to one free credit report from Experian, Trans Union and Equifax, every 12 months.

“However, in response to the Covid-19 pandemic, all three nationwide credit bureaus … are offering free weekly online credit reports via annualcreditreport.com (the only source authorized by Federal law) through April 2021,” according to Beverly Anderson, president of Global Consumer Solutions at Equifax.

This is such an amazing offer that there is simply no reason to not be keeping an eye on your credit score.

About those late payments

Seven years from the date of the missed payment is the length of time a late payment will remain on your credit report. This applies even if you pay the bill in full, Anderson claims.

If the reason for the late payments involves a Covid-19-related job loss, you may want to consider adding a consumer statement to your credit reports.

Anderson suggests that you keep the statement to 100 words or less and “… clarify why you were late making your payment.”

She includes a sample of what to say in a statement:

“Be advised that the negative accounts on my credit report are related to a temporary reduction in income due to the Covid-19 pandemic. I intend to make these up as soon as I can.”

Of course, the statement won’t hide any negative information, but lenders can view it and learn of the mitigating circumstances. All three bureaus accept these statements in their dispute departments.

To add a statement to your Equifax credit report, visit my.equifax.com.

The folks at Trans Union offer options as well. On their site, “… you can easily choose from pre-worded options like, ‘I am unable to make timely payments due to the impact on my job/wages as a result of the COVID-19 pandemic,’ or you can write your own.” The “Disputes” section of their website is where to get started. Visit transunion.com/disputes.

Experian also directs those who wish to file a personal statement to their dispute area, which you will find at Experian.com.

When things get better for you

Sometime down the line your situation will change. It’s important not to forget those statements you sent to the credit bureaus.

Remember, the negative entries have a life of seven years. Once that time limit occurs, the information will drop from your reports and you should then remove your statement as well.

Why?

“Once the negative information is removed, the statement may unnecessarily notify lenders that you had a payment issue in the past,” warns Jennifer White, consumer education specialist with Experian.

In the meantime, prioritize your bill payments

The top priorities, after paying your living expenses include those related to your ability to get to work. If you need your car to get to work, car payments and auto insurance come right after basic living expenses.

Next, because failure to pay may lead to a driver’s license suspension or arrest, take care of child support and alimony payments. If you are on good terms with your former spouse, the pros at Equifax suggest speaking with him or her about your situation. Try to come to an agreement on when you can make up the missed payments.

Or, contact the Division of Child Support services. “In some cases, you might be able to change your monthly payments to something more affordable,” according to Experian.

If anything is left after paying these bills, pay the following three before anything else:

• Student loans
• Personal loans
• Tax debt

Chin up! There is a light at the end of this tunnel.

When moving into a new home, securing it is typically on the “to-do” list. After you’ve lived in a home for a length of time, however, security becomes an after-thought, which puts yourself and your family in danger.

FBI data claims that “In 2018, there were an estimated 1,230,149 burglaries.” Nearly 60% of these were classified as “forceable entry” burglaries.

We don’t want you to be among the victims, so let’s get started on at least the basics of securing your home against intruders.

Start with the doors

It’s easy to overlook the unsecured window or other access points when you go about daily life. So, take a tour of the entire home, with an eye toward security.

Examine all doors that lead to the exterior of the home first. They should have deadbolt locks, yes. But, if the home is old, the door may be feeble and easy to knock in. You may need to replace the door with something sturdier.

Security experts recommend metal or solid wood doors. They also suggest that you place the hinges on the interior of the home. Finally, don’t forget the deadbolt lock with a minimum 1-inch bolt length.

You might also consider adding an additional lock. “You should have a minimum of two locks at main entryways,” cautions Manasa Reddigari at BobVila.com.

Many Americans have sliding glass doors to the backyard and these, experts claim, are the ones burglars like the best. Why?

“Sliding glass doors use latches, not locks,” according to Bobby McAfee with Crime Prevention Security Systems. “Even inexperienced burglars can quickly overcome most factory-installed latches,” he continues. Or they might simply lift the door off its track and out of the way, which usually doesn’t even require tools.”

There are a number of options a homeowner can use to secure these doors:

• Install a security pin (sold on Amazon.com and at large home improvement stores)
• Install shatterproof film – while it won’t keep a window from breaking, it will slow the process
• Install a home security system with glass-break sensors

While you’re assessing the doors to the exterior of the home, take a look at what’s outside the doors. Is the area well-lit? Are there shrubs or trees that can hide a burglar who is trying to break into your home?

Clear away any overgrowth and use a porch light with a strong bulb.

Secure the home’s windows

Go through the home again, this time paying close attention to windows, especially those that are accessible at ground level.

Check the locks on each window first to ensure they’re engaged and, second that they are actually securing the window.

For extra security for ground-floor windows, consider installing inexpensive window alarms. You’ll find them for sale online at Amazon.com, Home Depot and Lowe’s.

We hope you’ll take the time to tour your home to determine how to beef up security.

Recessed lighting is a popular lighting method in new residential construction. Lying flush to the ceiling, it provides a sleek modern accent to kitchens and baths.

Although attractive, recessed lightings are not energy efficient. They require higher wattage bulbs and, if not sealed properly, the hole allows cold air to enter the house.

For this reason, many homeowners are choosing to remove recessed lights. Once the canister is removed from the ceiling, though, you have a gaping hole to contend with.

Commercial blanks are available, in various sizes, that use a spring to hold the blank flush with the ceiling, or you can make your own patch.

Here’s what you’ll need for the project:

• Pencil
• Drywall saw
• Utility knife
• Rag
• 1 x 4 pine
• Saw
• Construction adhesive
• C-clamps
• Measuring tape
• Drywall
• 1 ¼ inch drywall screws
• Mesh drywall tape
• Drywall joint compound
• Drywall knife
• Medium or coarse sandpaper

Use a pencil to draw a square around the hole, centering it on an adjacent stud.2.

Follow the penciled outline with the drywall saw, cutting off all sides of the square, except the one on the stud.

Use a utility knife to cut that side.Use a moist rag to dust off the edges of the hole to remove drywall dust and flakes.

Measure the height of the square hole and use the saw to cut the 1×4 6 inches longer than the square’s height.

Apply the construction adhesive to the top and bottom of the board in a 4-inch wide band, insert the board into the hole and press it to the inside wall, on the side adjacent to the stud.

Apply C-clamps to the top and bottom of the board to hold it in place against the wall. Allow the adhesive to dry completely and remove the clamps.

Measure the square and cut a piece of drywall to fit. Use the screws to fasten the drywall piece over the hole, screwing two into the stud, at the top and bottom of the square and two into the 1×4, at the top and bottom.

Cut the mesh tape into strips that are 2 inches longer than the square’s height and apply them to the wall, overlapping one another.

Apply the drywall compound with the drywall knife by spreading it over the mesh. Don’t apply too much – you should just barely see the mesh beneath the layer of compound. Feather the edges to the wall. Allow the compound to dry overnight.

Sand the area thoroughly to smooth it and remove rough edges.

Apply a second coat of drywall compound, spreading it an additional 4 inches on all sides, beyond the first application. Feather the edges so that they blend in with the surrounding wall.

Allow the compound to dry thoroughly and apply another coat. When this coat dries, sand again.