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Racial disparities and bias in health care can be a double whammy for multi-generational families of color — specifically when Black men are the caregivers."We tend to think of the male caregiver as that individual that comes helicoptering in and pays the bills or take care of yard work. But that's not all that male family caregivers do," said Rita Choula, the director of caregiving at the AARP Public Policy Institute.AARP has found that there are nearly 3 million African-American men taking care of an adult family member or non-relative — usually someone with memory, emotional or mental health conditions.Conversations with those caregivers reveal the unique challenges and stereotypes they face, including health care bias."If he is going into a situation with an understanding that there may be a bias — when we talk about higher levels of stress, that would be one thing that could cause more stress for an African American male caregiver," Choula said.Black men are also less likely to ask for help, which can add to the stress. They're often still working essential jobs and facing financial impacts due to tough choices about balancing careers with their caregiving responsibilities.That stress has been amplified by the COVID-19 pandemic, as caregivers now face the risk of bringing the virus home to loved ones.But these Black men are dedicated. A majority of all African-American caregivers find a sense of purpose or meaning in that role — more so than other caregivers."Increasingly, male family caregivers are bathing their mothers. That's a difficult thing," Choula said. "So, as a provider, are you talking to that male caregiver about what that may mean to them emotionally?"Any caregivers seeking support — either in-person or online — can call the AARP Caregiver Hotline at 877-333-5885 or click here for more information. 1855

Rattled by a string of explosions, which has put the city on edge for the last two weeks, a possible new explosion was reported Tuesday evening near a Goodwill store, the Austin Police Department said on its Twitter account. But after an hour of investigating, the police department said the explosion stemmed from an an incendiary device. The department said the incident was likely not connected to a previous string of explosions. One male said to be in his 30s was transported to the hospital. Their condition is serious, but the injuries are not expected to be life threatening. Tuesday incident comes just hours after a package detonated at a FedEx package handling facility in Texas.The package's intended destination is unknown.  770

QUEEN CREEK, Ariz. — Conversations have been forced to change in children's classrooms. Many adults remember simply learning about a basic fire drill or what to do in a lockdown.But today, many teachers are having to teach kids what to do in case of an active shooter. Another safety net that is being used in places around Arizona, including Queen Creek Unified School District, is a donated, repurposed tool from the Queen Creek Fire and Medical Department: fire hoses. "They're cut into a certain segment. They are perfect to go over the hinges of our doors and that just adds this extra layer of security to our classroom," said Newell Barney Middle School science teacher Tammi Brewster. Brewster explained how the recycled and donated fire hoses from the fire department become a deterrent for any "bad guys" trying to get into a classroom and are now a part of their lockdown procedure called ALICE. ALICE stands for alert, lockdown, inform, counter and evacuate. Brewster said that the fire hose is part of a larger conversation with students regarding school shootings. It helps explain the procedure for active shooter or lockdown drills in a way that does not scare them, but empowers them. "It gives them a relief that, 'OK, all of this is going on in the news, in our society and I have choices I can make. I don't have to sit in a corner and be scared,' '' Brewster said. "The schools have their processes and their programs in place for a lockdown," said Queen Creek Fire Chief Vance Gray. "What we wanted to do was just assist by adding another layer of protection for the teachers and the students and the schools." Gray said his two children went to one of the schools where he has donated these fire hoses.While it is a piece of equipment he never hoped he would have to pass out, he knows taking action is the only thing to do. "If you can't change the way things are and make them exactly how you want them to be, then the best thing you can do is prepare," Gray said. He said they will continue donating their fire hoses whenever they go out of service.  2169

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

President Donald Trump slammed his administration's top infectious disease expert, Dr. Anthony Fauci, during a conference call with his campaign staff, calling him a "disaster," according to Axios, The Associated Press and NBC News.During the call, Trump reportedly claimed, without evidence, that more than 800,000 people would have died of COVID-19 by now "if I listened to him." As of Monday, more than 200,000 have died of COVID-19.Trump also called Fauci a "nice guy," who had been in his position for "500 years." Fauci has been the director of the National Institute of Allergy and Infectious Diseases since he was appointed by President Ronald Reagan in 1984.During the call, Trump added that he would be unable to remove Fauci from his position without significant public backlash."Every time he goes on television, there's always a bomb, but there's a bigger bomb if you fire him. This guy's a disaster," Trump said.Trump added during his campaign call that he believed Americans were ready to move on from the COVID-19 crisis."People are tired of COVID. I have these huge rallies," Trump said, according to CNN. "People are saying whatever. Just leave us alone. They're tired of it. People are tired of hearing Fauci and all these idiots."Trump's comments came a day after Fauci was interviewed on 60 Minutes. During that interview, Fauci said he was "absolutely not surprised" to learn that Trump had contracted COVID-19 earlier this month, citing the fact that the President often appeared in large crowds without a mask.Fauci, one of the most plain-spoken members of the White House's coronavirus task force, has said that the Trump administration has taken steps during the pandemic to limit his media appearances. He also criticized the Trump campaign last week after he said it used an interview clip taken in March out of context and without his permission in an ad that has been targeted to key swing states.On Monday, former Vice President Joe Biden issued the following statement on Trump's comments on Dr. Fauci: 2042