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When Sen. Bernie Sanders did this in 2013, he did it alone.On Wednesday, nearly four years later, Sanders introduced a new "Medicare for all" health care bill with a third of the Senate Democratic caucus by his side.Flanked at first by New York Sen. Kirsten Gillibrand and Connecticut Sen. Richard Blumenthal, Sanders called the costs of the current system "insane and unaffordable," promising that the average family would benefit financially under his plan "because you will no longer be writing checks to private insurance companies."For those whose taxes would go up, he added, "that expense will be more than offset by the money are you are saving with the elimination of private insurance costs." 710
While balancing parenthood alone during a pandemic can challenging, adding eviction to the equation can be heartbreaking.“My heart dropped for the simple fact that I was homeless before with my four kids,” Mary Ratchford-Bass said after losing her job as an office cleaner.“Once the pandemic hit, they went to working from home and that left us with little to no work to do,” she said.Just a few days before being forced out of her apartment, Ratchford-Bass, who was born into a Baptist family, was saved by someone she never met, calling it almost a “religious experience.”“It really was,” she said. “Because when I got the eviction notice, all I could do was pray.”Helping answer those prayers and pay the rent was 13-year-old Jewish girl Rena Brittan, who became inspired to help others while studying child labor laws during a service project for her bat mitzvah.“She wanted to help people pay their rent in part because she wanted families and children to be safe,” said Rena’s mother, Dana Brittan.Dana says while her daughter is staying away from the spotlight and is no longer doing interviews, she still is helping others pay their bills.“Part of why that’s so important is because once a person is evicted from their home, it’s like having a criminal record,” she said.Rena started a GoFundMe page with the money going to the Resident Relief Foundation, a nonprofit that help people pay their rent.With a recent report by the American Apartment Owners Association showing 60% of landlords saying their tenants are unable to pay rent because of the coronavirus, Ratchford-Bass is thankful for Rena helping cover her housing cost during this crisis.“If I could give her a big hug, I would,” Ratchford-Bass said. “She just doesn’t know how much she’s helped my family and I’m sure other families, too.”So far, Rena’s GoFundMe page has raised more than ,000, an amount she hopes to increase as millions of Americans still face evictions during this pandemic. 1975

While scientists work to come up with a safe and effective COVID-19 vaccine, doctors across the country are watching closely. Many are helping guide their patients in making an informed decision about getting a vaccine."This was indeed a surprise to see that there would vaccines available by the 1st of November. It’s clearly an aspirational goal, because we all would like to see a safe and effective COVID-19 vaccine as soon as possible, but I think testing vaccines to make sure they’re safe and effective is of paramount importance," said Dr. Bali Pulendran, a microbiology and immunology professor at Stanford University.Dr. Pulendran says the process of developing a vaccine involves numerous steps, and scientists are getting closer to the end. Still, it's hard to put an end date on the third and final phase of a vaccine trial. This last phase determines whether the vaccine actually works."The way in which you can assess whether a vaccine works is to see how many of these people acquire the disease or become infected with COVID at some period of time," explained Dr. Pulendran.Phase three divides the trial participants into two groups. One group is given the vaccine, and the other is given a placebo."And then, you calculate the efficacy based on those numbers. So, if there were 200 people affected in the placebo group but there were only 100 people who were infected in the vaccinated group, then the efficacy is 50 percent" said Dr. Pulendran.The third phase is hard to time, as it depends on how quickly some of the trial participants become infected. If they live in areas where COVID-19 infection rates are higher, the phase will be completed faster.But there are some other ways to speed up the vaccine trial.Dr. Darria Long, an emergency room physician and clinical assistant professor at the University of Tennessee-Erlanger, says one way is by doing two of the phases at the same time. Another way is if officials prepare for the manufacturing and logistics side of producing the vaccine during the third phase of the trial."This is what we see the CDC saying is to get ready on the manufacturing and logistics side because even if you come up with the perfect target drug, making sure you can manufacture hundreds of millions and that you have the little glass vials that can keep it at the right temperature, those are all things that can be hang-ups,” said Dr. Long. “So, they're wanting to expedite that process, because the last thing you want is to say is we have the vaccine, but we can’t get it to people.”Dr. Long is already answering her patients' questions as news of a possible COVID-19 vaccine continues to be publicized."I do think a lot of people are wondering about this vaccine and it runs the gamut. There are those that say they really want the vaccine because they see it as this gateway to getting back to life as we know it," said Dr. Long.There are also those who are really concerned about the efficacy and safety of a COVID-19 vaccine. Doctors say a key piece in evaluating a vaccine when it does come out is the data surrounding it."The data that comes out in the public domain: is a particular vaccine efficacious? How effective is it what is the efficacy data? Is a particular vaccine safe? What are the side reactions? And they should talk with their physicians to ask each question. Ask doctors, ‘Could you tell me what the safety part of this vaccine is?" recommended Dr. Pulendran.And above all, doctors and scientists hope politics will stay out of the development of a COVID-19 vaccine in order to ease any concerns or hopes for a vaccine to be available as soon as possible. 3644
What are Apple’s Black Friday 2020 plans?As we all know, Apple doesn’t have “discount” in its DNA. While Apple tempts us with its latest technology, Black Friday deals often come from retailers clearing out last-generation inventory. Apple has introduced the iPhone 12 Pro and iPhone 12 Pro Max, but any discounts you find will likely be tied to contracts with carriers.All of which means you might have to do a little more work to find Black Friday deals on Apple tech. We’ve done some of that shopping reconnaissance for you.What are Apple’s Black Friday 2020 deals?Here’s what we know so far:AT&T is offering a credit up to 0 on an eligible smartphone trade-in with an upgraded or new line and the purchase of an iPhone 12.Best Buy will be offering discounts up to 0 on select MacBook Pros and up to 0 on select iPad Pros (through Nov. 28).Walmart will have AirPods Pro for 9 ( savings) and Apple Watch Series 3 (GPS) for 9 ( savings), both online only.Amazon hasn’t leaked any significant Apple discounts yet; off here, there. The best we’ve found is a 2017 model iPad Pro for 0.84 (.16 savings).How can you save money on Apple products?Here are a couple of ways to save on Apple products. First, with an Apple Card, you can get 3% cash back when you buy directly from Apple. You’ll also have the option to pay in monthly installments with zero interest charged, with approved credit.And iPhone or iPad owners can receive up to a 0 credit toward the purchase of a new Apple product with Apple Trade In.What were Apple’s Black Friday 2019 deals?Apple products are customer magnets during the holidays. Here are some of the Black Friday specials from last year:Apple offered gift cards ranging from to 0 with the purchase of select Apple and Beats products.HomePods were discounted to 9.99 (regularly 9).Target featured a 0 gift card with the qualified activation of an iPhone 11 or iPhone XS with Verizon or AT&T.Walmart sold the Apple Watch Series 3 (GPS) 38mm for 9 (regularly 9).More From NerdWalletSmart Money Podcast: The Holiday Shopping EpisodeIPhone Black Friday 2020 Deals: Are They Worth It?Cell Phone Black Friday 2020 Deals: Are They Worth It?Hal M. Bundrick, CFP is a writer at NerdWallet. Email: hal@nerdwallet.com. Twitter: @halmbundrick. 2332
White House chief of staff John Kelly personally denied calling President Donald Trump an "idiot" in an afternoon conversation with the commander in chief, relaying nearly the same statement in his face-to-face talk with the President as the one he released publicly, according to an administration official.An NBC report published Monday claimed, among other things, that Kelly had said during an immigration-related meeting that he needed to "save (Trump) from himself" while insulting the President's intelligence by calling him an "idiot.""I spend more time with the President than anyone else and we have an incredibly candid and strong relationship. He always knows where I stand and he and I both know this story is total BS," Kelly said in a statement. "I am committed to the President, his agenda, and our country. This is another pathetic attempt to smear people close to President Trump and distract from the administration's many successes."The situation is similar to when reports surfaced that then-Secretary of State Rex Tillerson called Trump a "moron."But the White House official pointed out a big difference between the Kelly incident and Tillerson -- Kelly immediately denied the report and denounced it to the President's face. Tillerson declined to do so, simply saying he wouldn't play that Washington game. 1348
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