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Buying a home can be nervewracking, especially if you’re a first-time home buyer. Not only is it probably the biggest purchase of your life, but the process is complicated and fraught with unfamiliar lingo and surprise expenses.To make the first-time home buying journey a little less stressful, NerdWallet has compiled these 25 tips to help you navigate the process more smoothly and save money. 404

hools," which exploit the animals to entertain visitors through tricks such as riding bicycles and shooting basketballs. Coercion is used to train them to pick coconuts, as they wouldn't voluntarily do it.The monkeys are isolated from their peers as they spend their lives chained, transported in cages, and forced to climb trees in order to collect coconuts. The captive animals display stereotypic types of behavior, such as circling endlessly. Similar abuse was found at all 13 randomly selected locations.Chaokoh produces coconuts for coconut milk that you sell. Its refusal to take a position against cruelty to animals is not sitting well with ethical consumers, and your own current position stands in contrast to that of the more than 25,000 other stores that have pledged not to purchase products from any company that depends on forced monkey labor.We'd love to work together to get coconut products involving such labor off your shelves. May we please hear from you?Sincerely,Ingrid E. NewkirkThis story was originally published by Paul Ross on WKBW in Buffalo. 3499

Caesars Windsor has announced that due to ongoing labor disruption and temporary closure, they will be making the "difficult yet necessary" decision to cancel hotel reservations and postpone Total Rewards promotions scheduled for the remainder of May. Performances for May have also been postponed until a currently undetermined date. These include: Pitbull, May 25; Le Brice, May 26; and Daniel O'Donnell, May 27. 432

CAMBRIDGE, Mass. – The U.S. government will pay Moderna Inc. up to .525 billion to secure 100 million doses of the company’s COVID-19 vaccine candidate.The U.S. Department of Health and Human Services (HHS) and Department of Defense (DoD) made the announcement Tuesday.HHS says Moderna will manufacture the vaccine doses while clinical trials are still underway to expedite the traditional development timeline and get vaccines to the public as soon as possible.The Trump administration hopes to deliver the vaccines by the end of the year, so long as the U.S. Food and Drug Administration (FDA) authorizes their use.“In creating a vaccine portfolio for Operation Warp Speed, the Trump Administration is increasing the likelihood that the United States will have at least one safe, effective vaccine by 2021,” said HHS Secretary Alex Azar. “Today’s investment represents the next step in supporting this vaccine candidate all the way from early development by Moderna and the National Institutes of Health, through clinical trials, and now large-scale manufacturing, with the potential to bring hundreds of millions of safe and effective doses to the American people.”HHS says the vaccine doses will be delivered to government-designated locations across the country and the U.S. could acquire up to an additional 400 million doses of the vaccine.If viable, the vaccines would be available to the American people at no cost, according to HHS. Healthcare professionals could charge for the cost of administering the vaccine, though.The vaccine, called mRNA-1273, has been co-developed by Moderna and scientists from the National Institute of Allergy and Infectious Diseases (NIAID), part of the National Institutes of Health. The third phase of the vaccine trial, which began July 27, is the first government-funded Phase 3 clinical trial for a COVID-19 vaccine in the nation, according to HHS.“We appreciate the confidence of the U.S. government in our mRNA vaccine platform and the continued support,” said Stéphane Bancel, Moderna’s Chief Executive Officer. “We are advancing the clinical development of mRNA-1273 with the ongoing Phase 3 study being conducted in collaboration with NIAID and BARDA. In parallel, we are scaling up our manufacturing capability with our strategic partners, Lonza, Catalent and Rovi, to address this global health emergency with a safe and effective vaccine.” 2402

California Democrat Gil Cisneros has defeated Republican Young Kim in a closely watched House race, adding yet another blue seat to the party's new House majority.Cisneros, a former Navy officer, will represent California's racially diverse 39th Congressional District, which was previously held by retiring Republican Rep. Ed Royce.Kim, who was seen as a charismatic potential successor to Royce, her one-time boss, finally succumbed to her opponent on Sunday.In a concession published to Facebook, Kim said she believes that the "competitive nature of this election shows that my message and service to this community resonated."The Democratic win in the district adds to several other pickups for the party in the districts representing Orange County, a place that used to be reliably Republican. Democrats now control seven seats representing the county, four of which are pickups from Republicans. 910