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As Americans face the complications of holding holiday celebrations amid the ongoing pandemic, President-elect Joe Biden says he and his family are trying to navigate the same issues, with safety measures.Biden said Monday that he and his wife are planning to follow the advice of medical officials who recommend no more than 10 people at a gathering, masked and socially distanced. Biden also says anyone at their Thanksgiving gathering would be tested for the virus 24 hours before getting together.The restrictions may be difficult, but Biden says, “I just want to make sure we’re able to be together next Thanksgiving, next Christmas."The Centers for Disease Control and Prevention is urging people to celebrate virtually or with members of their household, noting that in-person gatherings with people from different households “pose varying levels of risk.” Guidance also notes that a gathering’s size “should be determined based on the ability of attendees from different households” to socially distance and follow hygiene recommendations. 1055

As coronavirus rates rise in most parts of the country, many testing centers are inundated with new patients. Recently, the U.S. Food and Drug Administration (FDA) announced the authorization of a brand new rapid COVID-19 test that people can take themselves at home."I think that it’s better to have a faster test than a slower one. People tend to abide by the public health recommendation to self-isolate if they have actual data in a reliable timeframe. The danger is that we’re asking people to do this at home. It's not in a controlled setting like a laboratory," says Dr. Amber Schmidtke, a public health microbiologist.Dr. Schmidtke says there are still questions about how this new rapid at-home test will be interpreted by health officials."I actually don't expect them to report it. I would be surprised. You know, most people don't report a home pregnancy test to our Department of Public Health, for example. But I think this is going to be treated much in the same way as a home pregnancy test. You know, if you call your doctor and say, 'I tested positive at home,' they're going to repeat that test as soon as you come in," says Dr. Schmidtke.The test, which a doctor will have to prescribe, will provide valuable information to people, as long as it is administered correctly."What if they don't do it very well? You have to put it in your nose and rub it around both nares. You have to put it in, swirl it around 15 times. You have to let it sit there for 30 seconds. You have to know which button to read. There's lots of things that can go wrong and so if the test is misunderstood and you don't have a professional looking over your shoulder, it could result in some unfortunate things," says Dr. Stuart Ray, a professor at Johns Hopkins University and infectious disease expert.Dr. Ray hopes people will use the test correctly so that it really does help prevent COVID-19 transmission in the community."What if they use that to decide that they're now negative after exposure so therefore it's safe to go out before their isolation or quarantine ends. And the problem is, they're still in the incubation period so the test is negative but in fact they’re infected," says Dr. Ray.Dr. Ray says it will take time to understand how the test works, but it's exciting to have a new tool for the general public to use. 2340

As a 58-year-old woman on disability, Robin Short of Wallingford, Connecticut, relies on her tax refund to catch up on bills. She filed her return electronically in February, opting for direct deposit so she could get her 3 refund quickly.She’s still waiting, as are millions of others. The IRS is slowly resuming operations after pandemic-related lockdowns, but delayed refunds are devastating some people’s finances.Tax refunds have become a lifelineTax refunds, which last year averaged ,979, are the largest single infusion of cash for about 30% of U.S. families, says Fiona Greig, consumer research director at the JPMorgan Chase Institute, which researches economic issues. While many Americans use refunds to save or to pay down debt, significant numbers rely on the money to cover bills or to get needed medical care — and that was true even before millions lost jobs and income during the COVID-19 pandemic.Delayed refunds can lead to evictions, hunger, creditor lawsuits and health problems from postponed medical care, among other ill effects. Many households live so close to the edge that they can experience hardship when a refund is delayed by two or three weeks, let alone several months, says John Thompson, chief program officer for the Financial Health Network, which researches financial challenges facing low- and moderate-income households.“Not everybody has got the kind of flexibility or resilience to just be able to hold on,” Thompson says.Pandemic shutters most IRS operationsThe IRS started shutting down tax return processing centers in March, along with its taxpayer help line, local offices and volunteer assistance programs. Soon after, it focused on sending out more than 159 million payments as authorized by the coronavirus relief package. By mid-May, the agency faced a backlog of 10 million pieces of unopened mail, including paper tax returns.People who filed electronically generally got their refunds unless those returns were flagged, commonly because of identity theft concerns or a mismatch between the information on the return and what was provided by employers or financial institutions.In Short’s case, the TurboTax software she used counted a ,800 annual pension payment twice, as both 1099 income and as W-2 income. The IRS sent her a letter about the error and advised her not to contact the agency for 60 days while the issue was resolved. Then, the lockdowns happened.Short says her pension and monthly Social Security disability checks don’t cover her expenses. She makes arrangements to pay overdue bills, such as her power bill, when her refund arrives. Otherwise, she says, the math of living on a low fixed income gets grim.“Either you miss a payment on the electric bill, or you don’t get your medicine,” says Short, a former facilities manager and insulin-dependent diabetic who was severely injured when her car was hit by a drunk driver.Using refunds to catch upPutting off bills, then using tax refunds to catch up, is a common practice among strapped households, Thompson says. A survey of people who used free filing methods for lower- and moderate-income taxpayers last year found roughly half said they needed their refunds for bills, rent, groceries and other everyday expenses, according to Prosperity Now, a nonprofit that promotes financial security.People also increase their health care spending significantly after refund checks arrive. A 2018 study of 1.2 million checking account holders found health care spending rose 60% in the week after people received refunds, indicating many were catching up on care, Greig says.It’s not clear how long it will take the IRS to address the backlog or when taxpayers can expect their money. People can try using the “Where’s My Refund?” tool on the IRS site or call the taxpayer help line, but getting through to a human is difficult even in normal times. Congress has cut the IRS’ budget by 20% since 2010, leading to a 22% reduction in staff, according to acting National Taxpayer Advocate Bridget Roberts. Without adequate staff, the agency answered less than one-third of its calls last year. Another option is to contact the Taxpayer Advocate Service, which has representatives in each state.Rather than wait for the IRS to return their money each year, taxpayers can adjust their withholding so they get more money in their paychecks. But many don’t feel comfortable changing their withholding in case they wind up owing big sums, Thompson says.“You’d have to predict how the year is going to go,” Thompson says. “And what could we possibly predict about this year?”This article was written by NerdWallet and was originally published by The Associated Press.Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4782

ANAHEIM, Calif. (AP) -- The San Diego Padres rallied for eight runs in the eighth inning of an 11-4 victory over the Los Angeles Angels.Jason Castro got the two-out rally started with a tiebreaking two-run double against the team that traded him three days ago.Eric Hosmer hit a 443-foot, three-run homer as the Padres piled on against the Angels' hapless bullpen to open this interleague series up the I-5 freeway.Jurickson Profar hit a two-run homer and drove in three early runs for San Diego, which has won three straight by a combined score of 30-6. 562

An early analysis of census data shows California and New York may lose a seat in the House, while Florida would gain two. This could mean Florida in the near future would have more electoral votes than New York.The analysis was done by William Frey, a senior fellow at the Brookings Institute, a nonprofit public policy organization, based on population estimates from mid-2020 released by the Census Bureau.Frey said the estimates released by the Census Bureau show that between July 2019 and July 2020, the population in the U.S. grew by .35%. That’s the lowest annual population growth rate since the turn of the last century, and that could mean the decade 2010-2020 may have the lowest decade growth rate in centuries.This low rate of growth and some “educated estimates” from Frey on new state-level data, could mean that seven states gain representatives in Congress and ten states lose some.One result of the Census is calculating the number of seats in the House of Representatives a state should have. Every decade, the Census Bureau adjusts the number of seats each state receives based on changes in population, the process is called reapportionment.Frey estimates that Texas will gain three representatives in the House, Florida wil gain two, and Arizona, Montana, Colorado, North Carolina and Oregon will gain one. Meanwhile, Alabama, California, Illinois, Michigan, Minnesota, New York, Ohio, Pennsylvania, West Virginia and Rhode Island could all lose one representative, according to Frey’s estimates.Changing the number of seats in the House also changes how many votes the state gets in the Electoral College; electoral votes are the number of seats a state has in the House plus two senators.California currently has 55 electoral votes, with the next highest as Texas with 38 votes currently. New York and Florida are next, with 29 each; if New York were to lose one and Florida gain two, it would be the first time Florida had more votes than New York and would make Florida the third most represented state in the House.“This reapportionment will also affect the Electoral College in future presidential elections. There are a mix of “red” and “blue” states among those gaining and losing seats. Thus, it is difficult to predict how these changes will benefit future Republican and Democratic presidential candidates,” Frey wrote in his analysis.Frey’s estimates are based on early data shared by the Census Bureau. The complete 2020 Census will not be released until sometime early next year. 2524

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