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Mortgage rates have risen about half a percentage point since September. What does that mean for you if you’re buying a home now or plan to buy one soon?For starters, don’t panic.When you’re buying a home, the mortgage rate matters, but it shouldn’t monopolize your attention, says Robert Frick, corporate economist for Navy Federal Credit Union. “You shouldn’t focus on the rate and let that scare you into making a hasty decision about buying a house,” he says.How rising rates affect your monthly payment 520

More members of the migrant caravan walked through the streets of Tijuana Tuesday morning, this time heading to the U.S. Consulate instead of the border.The group reached their destination at around 11 a.m. after a nearly two-hour trek. The migrants, who had police escorts, made it clear their intentions were peaceful.The group members held various banners as they marched, including one that read: “You got it wrong, Trump. We asked for jobs and you responded with weapons. That is not polite. If asking for work is troublesome, then I am totally confused. La Caravana.”A source said the migrants dropped off a petition asking the consulate to allow everyone in the caravan entry into the U.S. The migrants requested a response within 72 hours.Additionally, the migrants said they want the U.S. government to provide ,000 for their trips back to their respective home countries if they aren't allowed asylum in the United States.After delivering the petition, the migrants returned to their shelters.It is unknown what the migrants plan to do if they do not receive a response within 72 hours.The migrants’ journey to the U.S. Consulate came as President Trump reinforced his desire to build a wall at the U.S.-Mexico border.The president, during a Tuesday meeting in the Oval Office with Democratic leaders Nancy Pelosi and Chuck Schumer, said he was not afraid to shut down the federal governmentif billion in funding for border security was not approved.“I am proud to shut down the government for border security, Chuck. Because the people of this country don't want criminals and people that have lots of problems and drugs pouring into our country. I will take the mantle, I will be the one to shut it down. And I'm going to shut it down for border security,” Trump said.During the meeting, Trump reiterated the importance of securing the border, even suggesting an idea to have the military build the wall.An agreement must be made before the Dec. 21 deadline to avoid a government shutdown. 2020

NASA has invented a way to remind you not to touch your face during the coronavirus pandemic.On their website, NASA states PULSE is a round pendant that can be worn around your necklace and will send you a vibrating warning anytime you are about to touch your face. 273

Moderna announced on Thursday that it had enrolled 30,000 participants in its Phase 3 COVID-19 vaccine trial, with more than 11,000 of those participants from communities of color.More than 25,650 participants have already received their second vaccination, the company said in a press release.The company added that the study also includes 7,000 participants over the age of 65.“Completing enrollment of the Phase 3 COVE study is an important milestone for the clinical development of mRNA-1273, our vaccine candidate against COVID-19," said Stéphane Bancel, Chief Executive Officer of Moderna in the news release. "We are indebted to all of the participants in the study. We would also like to thank the investigators and our partners at clinical trial sites, including our partners from PPD and the NIH, as well as the dedicated Moderna team for their support in completing enrollment. Moderna is committed to rigorous scientific research and the highest data quality standards. We will continue to work in collaboration with regulators to advance mRNA-1273, which we hope will help defeat the COVID-19 pandemic.”CNN reported that for Moderna to apply to the FDA for emergency use authorization, the following three things need to happen:53 of the 30,000 participants would need to become sick with COVID-19, which is expected to occur in the second half of November.40 of the 53 participants who do become ill with COVID-19 need to have received the placebo, which would show that the vaccine is 75% effective.Make sure enough time has passed to see if participants develop side effects.According to CNN, Moderna is the first company to start US clinical trials of a COVID-19 vaccine. 1696

Moving comes with a long, expensive to-do list.The average cost to for a local move from a two-bedroom apartment or three-bedroom house ranges from 0 to ,000, according to HomeAdvisor’s True Cost Guide. While you’re choosing a place to live and deciding what to pack, having a plan for expenses can ensure your budget doesn’t get lost in the shuffle.“It’s very easy to overlook minor details because when you’re moving, you’re looking at getting your stuff from point A to point B,” says Jessica Nichols, a director at Avail Move Management, a relocation and transportation service in Evansville, Indiana.Preparing for moving costs can help alleviate emotional and financial strain. Consider these less-obvious expenses. 748

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