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Whenever you get vaccinated for the coronavirus, there is a good chance you will need to get two doses of the vaccine. Two types of vaccines are expected to begin being distributed this month and both require two doses 28 days apart.Dr. Anthony Fauci said during a CNN town hall on Friday that the first vaccine is the “prime” vaccine dose, and the second one is a booster. The two vaccines, one from Pfizer and the other Moderna, are expected to receive an FDA emergency use authorization in the coming weeks.Fauci said another vaccine, one produced by Johnson and Johnson, would only require one shot. But Fauci cautioned that the data from that vaccine candidate has not been reviewed. The Moderna and Pfizer vaccines are showing an efficacy of 95%, and both vaccines had a near 100% effectiveness against severe coronavirus cases.While the first shot will offer some protection against the virus, Fauci says that the boost will give Americans “optimal” protection against the virus.“What you have is you get some degree, not optimal, but some degree of immunity a couple of weeks after the first dose,” Fauci said. “That's not optimal. After the second dose, you get optimal immunity anywhere from seven to 10 days after the second dose."As vaccine doses begin to make their way to health care workers and high risk patients, Fauci says it will be important for everyone, even those who are vaccinated, to still wear masks and conduct social distancing. Fauci says that those who are vaccinated could potentially carry the virus, even if they will not become symptomatic.Fauci said that it will take a vast majority of Americans getting vaccinated before the US reaches herd immunity. When the US reaches herd immunity, that is when social distancing measures can be eased, Fauci says. "Even if you're vaccinated, you may be protected against getting sick, but you may not necessarily be protected against getting infections. So you may have some virus in your nasal pharynx. It wouldn't bother you, and maybe it wouldn't even infect anybody else, but it would be there. That's the reason why you can't abandon all public health measures." 2151

With Congress unable to agree on another stimulus package, the CARES Act may have been the only chance for many to get an economic impact payment or stimulus check. However, millions of people still haven’t received that check.The Internal Revenue Service (IRS) estimates roughly 9 million people are still owed at least ,200. The Center for Taxpayer Rights estimates another 2 to 3 million people are entitled to and have been fighting to get the 0 for each of their eligible dependents.“There is a whole combination of factors for why people have not received their checks,” said Nina Olsen, the Executive Director for The Center of Taxpayer Rights.One reason some have not gotten their checks is because they did not file a 2018 or 2019 tax return, and they have not gone to the IRS’s “Non-Filer Portal,” which is located on the home page of the IRS’s website.So now, after 5 months, the IRS is sending letters to 9 million people in that category. The IRS has been able to identify who still qualifies for a check, but hasn’t received it, by sorting through its records and checking W-2 forms and 1099s.Those forms also have the non-filer’s address information, and that is the address the IRS is using for the new letters. The letters will inform these non-filers they are still eligible to get a stimulus check under the CARES Act and the steps they need to take to get that money. The steps are simple, either go to the IRS’s website and fill out the non-filer form or file a tax return.“It is also really important that people realize that if they use the non-filer portal they won’t be able to claim the earned income credit and many of these people may be eligible for the earned income credit,” said Olsen. “Those people need to file a regular return rather than use the non-filer portal and I don’t think the IRS has done a really good job of telling people that.”The earned income tax credit (EITC), typically earned by those who have dependent children, can be worth up to ,000. If you fill out the non-filer form in the IRS’s portal but later learn you qualified for additional money from the EITC, you could potentially lose the money from EITC.Outside of the 9 million non-filers getting a letter from the IRS, the 2 to 3 million people still eligible for 0 per dependent are getting a second chance at more CARES Act stimulus money.“Social Security Retirees and disabled people, it gave them less than 48 hours to go online if they had children. That meant they could get an additional 0 and enter that on the non-filer portal. Well a lot of these folks don’t have online access,” said Olsen. "It actually took a lawsuit that is still in the process of being settled for the IRS to reopen the portal.”Those still eligible to claim dependents have until the end of September to claim them through the IRS’s non-filer portal. The 9 million non-filers have until October 15 to take their necessary action. 2941

When Mahdi Hashemian was looking for a bicycle for his 7-year-old daughter Zeynab last week, the Cambridge, Massachusetts, resident decided to skip his local cycle shops in favor of a Black-owned one a few miles away in Boston’s Dorchester neighborhood.At Spokehouse, a bike shop with “Black Lives Matter” painted in large bold letters outside, the pair picked out a simple, white-colored model and had training wheels and a white basket for its handlebars installed.Hashemian, who is set to earn his doctorate from MIT, said he’s been reminded in recent weeks of the outpouring of support he felt from the campus community when President Donald Trump imposed a ban on travelers from Muslim majority countries in 2017, including his native Iran.“It seems small,” he said of his bike purchase, “but a little show of support can mean a lot.”As the May killing of George Floyd by a white police officer in Minneapolis has fueled a worldwide outcry against racism and police brutality, many on social media are encouraging people to spend their money at Black-owned businesses. Lists of local retailers, artisans and manufacturers have been circulating on Instagram, Facebook and Twitter, helping Black-owned businesses raise their profile at a time when the coronavirus pandemic has ravaged the economy.According to Google, searches for “Black owned businesses near me” reached an all-time high last month in the U.S. Yelp has also made it easier for customers to search for Black-owned establishments on the restaurant review site, and Uber Eats says it’ll waive delivery fees for purchases from Black-owned restaurants through the end of the year.“It’s great seeing people realize that where they shop can be another form of activism, that it’s a way to put your money where your mouth is,” said Randy Williams, founder of Talley & Twine, a Black-owned watch company in Portsmouth, Virginia. “You’re helping Black businesses become self-sustaining, and that helps the whole ecosystem.”Sales at Talley & Twine these past few months are up more than 300% from the same period last year, partly because more people are shopping online during the pandemic, he said. But the company was also recently mentioned on a number of social media lists of Black-owned businesses, and its Juneteenth-themed watch sold out before the June 19 holiday commemorating the emancipation of enslaved African Americans, Williams said.In Los Angeles, cupcake sales and shipping orders on other sweets are up at Southern Girl Desserts after it was also mentioned on social media lists, said Catarah Coleman, co-owner of the bakery in the city’s Baldwin Hills neighborhood.“It’s not nearly the level of business we had before the virus, but it’s something,” she said. “If we only depended on foot traffic and folks just stayed in their own neighborhoods, I’m not sure we’d be able to keep going.”At Slade’s Bar and Grill in Boston’s historically Black Roxbury neighborhood, online gift card purchases and take-out orders are up significantly as the long running soul food and live music venue — which boasted Malcolm X, Muhammad Ali and Martin Luther King, Jr. as patrons in its heyday — is just starting to reopen after shuttering during the pandemic, said Shawn Hunter, the managing partner.“We’re definitely seeing white customers and customers from outside the neighborhood that we would probably have never seen before,” Hunter said.In nearby Dorchester, Kerri Thibodeau said she drove about half an hour from suburban Stoughton to shop at Pure Oasis, the state’s lone Black-owned retail marijuana shop and one of the few in the nation.The 35-year-old mother of two, who is white, said there’s a marijuana shop about five minutes from her house but she decided to support Pure Oasis after hearing that more than 0,000 worth of marijuana products were stolen from the shop during a large Black Lives Matter protest through Boston last month.“We really need to come together and show that it doesn’t matter the color of our skin,” Thibodeau said after buying some marijuana flower and pre-rolled joints last week.But the business boon hasn’t been without growing pains for some companies. Black-owned bookstores have struggled to keep up with a surge in orders, many of them for a handful of sold-out titles on race relations.In Boston, the owners of Frugal Bookstore, the city’s only Black-owned bookshop, say customers are already seeking to cancel orders and complaining about delays and poor customer service. The Roxbury shop, which raised more than ,000 through an earlier social media campaign to help it weather the economic downturn, said in a note to customers that went viral last week that 75% of the more than 20,000 purchases it’s received are for the same 10 books.At Spokehouse, the Boston bike shop, owner Noah Hicks hopes the interest isn’t a passing fad and that it leads to more concrete efforts to address the challenges facing Black entrepreneurs, including access to capital.Hicks said his nearly five-year-old shop’s sales have tripled this month, compared to last June, in part because bike shops are enjoying brisk business during the pandemic .The shop also received about ,000 in donations after it was robbed during last month’s unrest, though Hicks ended up donating about half to efforts benefiting the local Black community, including covering the costs for a “Ride for Black Lives,” a cycling rally in Boston this past weekend.“People being intentional about their economic purchases is refreshing,” he said. ”But we also want them to help tear down the systems that make it hard for us, not just spend their dollars with us.” 5660

With hospitals overwhelmed in much of the United States, the number of coronavirus cases jumped to record levels on Friday. The total of confirmed COVID-19 cases reported on Wednesday was 172,000, according to Johns Hopkins University.There were also at least 1,800 coronavirus-related deaths reported in the US in the last 24 hours, according to Johns Hopkins.Friday marked the 11th consecutive day in which there were at least 100,000 new cases reported.The news comes as governors and public health experts throughout the country have pleaded with citizens to wear masks and follow social distancing recommendations. A number of states were looking to re-impose restrictions in hopes of keeping hospitals from filling up with COVID-19 patients.The COVID Tracking Project, a project led by The Atlantic, shows that current coronavirus-related hospitalizations hurdled the 60,000 mark in the US on Tuesday for the first time since the start of the pandemic. The number of people hospitalized with COVID-19 has more than doubled in the last six weeks throughout the US.By Friday, the number of people hospitalized with COVID-19 neared 70,000. 1150

When’s the last time you checked your credit report? A new report by CreditCards.com found nearly half of adults haven’t checked their credit report in the last 6 months.It’s been 6 months since the massive Equifax breach where millions of people’s personal information was leaked. CreditCards.com found out nearly half of us haven’t checked out credit report since then to find out if we were one of the victims. Matt Schulz with CreditCards.com says, "Frankly that’s disturbing."Schulz says, “This was an enormous deal. Key personal information like social security numbers were compromised for nearly 150 million people.”Once your personal information is compromised, it’s out there for good. 74% of you said that having your personal data stolen would be worse than having your cell phone stolen.Schulz recommends you check your credit report once a month. “We don’t think about checking Instagram or Facebook 10x a day but, it seems way too much to ask to go to your bank website or check your credit report on a regular basis.”Now more than ever it’s easy to check your credit report.Schulz says, “A credit report will show you if somebody in particular has opened an account under your name without you knowing about it. And that is potentially one of the most damaging things someone can do.”You can get your vantage score, credit score and free Transunion credit report at places like CreditCards.com"Remember, the last thing you want is for your credit score to be dinged by mistakes that aren’t your own.” 1529