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When snow falls in a flurry and the weather is cold outside, escaping the elements becomes a top priority.With COVID-19 causing some warming shelters to stop operations this winter, however, the impacts could literally mean the difference between life and death.“We’re going to see a lot of people die to be perfectly honest,” said Robin Wood-Mason with The Delores Project, a homeless shelter in Denver, Colorado, that focuses on women and transgender folks.He says during a normal winter, this shelter can provide a warming space for dozens of people each day. But with a static population and a lack of social distancing, local health guidelines have forced them to shut their doors for warming shelters this season.“It’s heartbreaking,” Wood-Mason said of the warming shelter not being able to open this winter. “Here in Denver, we’ve got thousands more people experiencing than there are shelter beds available.”Across the country, other warming shelters are also being impacted by COVID concerns.“We’re just starting to inch into those winter months when we know things are going to get colder, things are going to look and feel a little different into our regions,” said Andrea Carlson with the American Red Cross.She says the days of having people packed in to one large room to get warm are gone. Now, they’re putting people into multiple separate spaces and following new COVID safety protocols.“Distanced between each other, masks are required, you do have some health checks when you come into the warming center,” Carlson said.As winter weather rolls in, and limited capacity issues mean more people are staying outside, The Delores Project believes more people will be exposed to harsh weather and the virus.“It means that we’re really going to see people get sick,” Wood-Mason said. “It’s going to put a new burden on the hospital system and our first responders.” 1887

WEST PALM BEACH, Fla. (AP) — President Donald Trump has signed a 0 billion pandemic relief package that will deliver long-sought cash to businesses and individuals.CNN and Politico also confirmed the news Sunday evening. 231

Wisconsin and Pennsylvania, two of the most important states in this year’s presidential election, are still waiting on a large number of ballots, and voters are running out of time to return them to election officials.As of Friday morning, election officials in Wisconsin were still awaiting 200,000 mail-in ballots, which must be received by Tuesday evening in order to be counted in this year’s presidential election.By comparison, the presidential race in election was decided by 23,000 votes in 2016.Earlier this week, the Supreme Court denied Democrats who asked for ballots that are postmarked on time but not received by Election Night to be counted. Election officials in Wisconsin say that mail delivery could take up to one week, so for those who have yet to return a ballot, they should do so at a county clerk’s office.“The absentee by mail deadlines in law don’t correspond with the amount of time it may take to receive and return your ballot by mail,” said Meagan Wolfe, administrator for the Wisconsin Elections Commission. “That is why the Wisconsin Elections Commission since the start of the pandemic earlier this year has been urging voters who wish to vote absentee by mail to request them as soon as possible.”In Pennsylvania, the state has mailed out 3 million ballots to voters, said Secretary of State Kathy Boockvar. Of the 3 million, some 27% were yet to be returned. Boockvar is recommending voters in Pennsylvania utilize drop boxes throughout the state in order to have their vote tabulated.The Pennsylvania Supreme Court extended the deadline for the state to receive ballots to November 6. Republicans appealed to the US Supreme Court, but the high court refused to overturn the state ruling.There are also questions about how long it will take in Pennsylvania to tabulate mail-in votes. Boockvar is urging counties to begin counting on the morning of Election Day, which is the earliest by law officials can begin counting."We are directly reaching out to the counties to explain why it matters to get started with pre-canvassing on Election Day, even if they can only do part of it," Boockvar said. "The overwhelming majority of counties are already planning to start pre-canvassing mail ballots the moment they can. I urge those few counties thinking about waiting until after the election to reconsider." 2349

Whether your car breaks down or you are slapped with a hefty medical bill, odds are most of us are not ready to pay for unexpected expenses. Instead of using a credit card to pay the bill, you might consider taking out a personal loan. Banks aren't the only ones lending money. According to Consumer Advocate, the top lending companies for 2018 include, Lending Tree, SoFi and Upgrade.Alison Norris, a certified financial planner with SoFi says you can borrow up to ,000 with some companies. However, you have a shorter period of time to pay them off. "They are paid off in periods ranging from 2 to 7 years," says Norris. Typically, when you're slapped with an unexpected expense, you reach for the credit card. But Norris says personal loans have a lower interest rate than most credit cards. "It could be the difference between an average credit card APR of 16 percent to a personal loan which can start as low as 6 percent," Norris says.What's different about a personal loan is that there is no collateral, unlike a home or car loan.   "You can compare that to a car loan if you were to stop making payments, it's possible that your car could be repossessed," Norris says.    With a personal loan, it's only backed by your guarantee. But if you can't pay on time, your credit score could take a big hit."It could very much change your ability to get a job in the future or apply for another loan and will have a few other repercussions," Norris says.   But remember, it's best to not take on more debt than what's necessary.   1647

When traveling to many places, it’s required to quarantine or get tested for COVID-19 before and after you arrive.Starting Thursday, Iceland is going to let visitors skip all of that if they prove they've had COVID-19 and recovered. But for now, travel from the U.S. to the country still isn't allowed.So, are these so-called immunity passports a good idea?Dr. Ania Wajnberg at Mount Sinai has been studying COVID-19 antibodies since March. Her team has tested more than 80,000 people in the New York area, and they’ve found the majority of people who had COVID-19 form moderate or high levels of antibodies.“Since March and April, almost everybody has maintained their level of antibodies. We do see a slight decrease, but overall, they've maintained their antibody levels,” said Wajnberg.But it's not entirely clear how long immunity does last and how good the protection against COVID-19 is.Wajnberg says we also don't have a lot of data on whether people who have antibodies could still possibly carry enough of the virus that they could spread it.The World Health Organization has advised against immunity passports. It says there's not enough evidence of immunity from antibodies alone.“I think given that we know that many or most people likely have some protection, this is not an unreasonable way to begin to open up society in a safer way than just throwing open the doors and hoping for the best,” said Wajnberg.Iceland's chief epidemiologist says he doesn't think it's fair to people who've had COVID-19, that they shouldn't be allowed to travel freely afterward.Critics of immunity passports warn they could potentially reward reckless people who become infected after ignoring COVID-19 rules or take away more of our medical privacy. 1755