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President-elect Joe Biden met with his Transition Team's COVID-19 Advisory board for the first time on Monday morning, and delivered remarks following the meeting."I will spare no effort to turn this pandemic around when I'm sworn in on Jan. 20," Biden said.In his remarks, Biden congratulated Pfizer on the company's Monday announcement that early studies show its vaccine candidate is 90% effective in fighting the virus. However, Biden cautioned that even in best-case scenarios, the vaccine won't widely be available for several months. He promised that once vaccine candidates are approved, he will ensure that doses are distributed safely and efficiently.In addition, Biden called on manufactures to ramp up production of personal protective equipment and also said he planned to order more rapid test kits for use across the country.Finally, Biden spent several moments promoting the use of masks, calling them "the most potent weapon against the virus."It doesn't matter who you voted for...it doesn't matter your party or point of view," Biden said. "We could save tens of thousands of lives in the next few months if everyone just wears a mask."The address in Wilmington, Delaware came hours after Biden and Vice President-elect Kamala Harris announced the formation of a COVID-19 Advisory Board as part of their administration's White House Transition Team.The Biden-Harris Transition team said the board would consist of public health experts who will advise both Biden and Harris.“Dealing with the coronavirus pandemic is one of the most important battles our administration will face, and I will be informed by science and by experts,” Biden said in a press release “The advisory board will help shape my approach to managing the surge in reported infections; ensuring vaccines are safe, effective, and distributed efficiently, equitably, and free; and protecting at-risk populations.”The board consists of:CO-CHAIRSDr. David Kessler: Professor of Pediatrics and Epidemiology and Biostatistics at UCSF. He served as FDA commisioner from 1990-1997.Dr. Vivek Murthy: Served as 19th Surgeon General of the United States from 2014-2017.Dr. Marcella Nunez-Smith: Associate Professor of Internal Medicine, Public Health, and Management at Yale University and the Associate Dean for Health Equity Research at the Yale School of Medicine.MEMBERSDr. Luciana Borio: VP of Technical Staff at In-Q-Tel. She is also a senior fellow for global health at the Council on Foreign Relations.Dr. Rick Bright: Immunologist, virologist and former public health official.Dr. Ezekiel Emanuel: Oncologist and Vice Provost for Global Initiatives and chair of the Department of Medical Ethics and Health Policy at the University of Pennsylvania.Dr. Atul Gawande: Cyndy and John Fish Distinguished Professor of Surgery at Brigham and Women’s Hospital, Samuel O. Thier Professor of Surgery at Harvard Medical School, and Professor of Health Policy and Management at Harvard T.H. Chan School of Public Health.Dr. Celine Gounder: Clinical Assistant Professor at the NYU Grossman School of Medicine and cares for patients at Bellevue Hospital Center.Dr. Julie Morita: Executive Vice President of the Robert Wood Johnson Foundation (RWJF).Dr. Michael Osterholm: Regents Professor, McKnight Presidential Endowed Chair in Public Health and the director of the Center for Infectious Disease Research and Policy (CIDRAP) at the University of Minnesota.Ms. Loyce Pace: Executive Director and President of Global Health Council.Dr. Robert Rodriguez: Professor of Emergency Medicine at the UCSF School of Medicine.Dr. Eric Goosby: Professor of Medicine at the UCSF School of Medicine.This story was originally published by WXYZ in Detroit. 3722

Proponents of the SDSU West and SoccerCity initiatives both say they'll turn the SDCCU Stadium site into something beautiful. But two new memos from the city attorney Mara Elliott's office say those developments, even if approved by voters, aren't guaranteed.  288

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

Ready for a blast from the past?New Kids On The Block announced a tour that will take you back to the 80s. The Mixtape tour will feature special guests Salt N Pepa, Tiffany, Debbie Gibson and Naughty By Nature.The tour will kick off May 2, 2019, in Cincinnati and hit 53 cities throughout the country during the summer of 2019.The tour wraps up in Hollywood, California on July 14.Tickets start at .95 and will go on sale Friday, Oct. 12 at 10 a.m. To celebrate the tour, New Kids On The Block released a new song "80s Baby" featuring the guests on the tour. Listen below:A full list of tour dates can be found below.MAY 2, 2019 US BANK ARENA Cincinnati, OHMAY 4, 2019 QUICKEN LOANS ARENA Cleveland, OHMAY 5, 2019 BANKERS LIFE FIELDHOUSE Indianapolis, INMAY 7, 2019 SPRINT CENTER Kansas City, MOMAY 8, 2019 ENTERPRISE CENTER St. Louis, MO BRIDGESTONE ARENA Nashville, TNMAY 10, 2019 FEDEX FORUM Memphis, TNMAY 11, 2019 SMOOTHIE KING CENTER New Orleans, LAMAY 13, 2019 AMERICAN BANK CENTER ARENA Corpus Christi, TXMAY 15, 2019 TOYOTA CENTER Houston, TXMAY 16, 2019 AT&T CENTER San Antonio, TXMAY 17, 2019 AMERICAN AIRLINES CENTRE Dallas, TXMAY 18, 2019 CHESAPEAKE ENERGY ARENA Oklahoma City, OKMAY 21, 2019 DON HASKINS CENTER El Paso, TXMAY 22, 2019 TALKING STICK RESORT ARENA Phoenix, AZMAY 23, 2019 VIEJAS ARENA San Diego, CAMAY 24, 2019 HONDA CENTER Anaheim, CAMAY 25, 2019 MANDALAY BAY ARENA Las Vegas, NVMAY 26, 2019 HOLLYWOOD BOWL Los Angeles, CAMAY 28, 2019 RABOBANK ARENA Bakersfield, CAMAY 29, 2019 SAP CENTER AT SAN JOSE San Jose, CAMAY 30, 2019 GOLDEN 1 CENTER Sacramento, CAJUNE 1, 2019 TACOMA DOME Tacoma, WAJUNE 2, 2019 MODA CENTER Portland, ORJUNE 4, 2019 TACO BELL ARENA Boise, IDJUNE 6, 2019 VIVINT SMART HOME ARENA Salt Lake City, UTJUNE 7, 2019 PEPSI CENTER ARENA Denver, COJUNE 8, 2019 PINNACLE BANK ARENA Lincoln, NEJUNE 9, 2019 WELLS FARGO ARENA Des Moines, IAJUNE 11, 2019 XCEL ENERGY CENTER St. Paul, MNJUNE 12, 2019 FISERV FORUM Milwaukee, WIJUNE 13, 2019 VAN ANDEL ARENA Grand Rapids, MIJUNE 14, 2019 ALLSTATE ARENA Rosemont, ILJUNE 15, 2019 ALLSTATE ARENA Rosemont, ILJUNE 18, 2019 LITTLE CESAR'S ARENA Detroit, MIJUNE 19, 2019 SCOTIABANK ARENA Toronto, ONJUNE 21, 2019 KEYBANK CENTER Buffalo, NYJUNE 22, 2019 SCHOTTENSTEIN CENTER Columbus, OHJUNE 23, 2019 PPG PAINTS ARENA Pittsburgh, PAJUNE 25, 2019 CAPITAL ONE ARENA Washington, DCJUNE 27, 2019 WELLS FARGO CENTER Philadelphia, PAJUNE 28, 2019 TD GARDEN Boston, MAJUNE 30, 2019 NASSAU VETERANS MEMORIAL COLISEUM Uniondale, NYJULY 2, 2019 PRUDENTIAL CENTER Newark, NJJULY 3, 2019 MOHEGAN SUN ARENA Uncasville, CTJULY 5, 2019 BORGATA EVENT CENTER Atlantic City, NJJULY 6, 2019 HERSHEYPARK STADIUM Hershey, PAJULY 7, 2019 THE PNC ARENA Raleigh, NCJULY 9, 2019 SPECTRUM CENTER Charlotte, NCJULY 10, 2019 BON SECOURS ARENA Greenville, SCJULY 11, 2019 PHILIPS ARENA Atlanta, GAJULY 12, 2019 VETERANS MEMORIAL COLISEUM Jacksonville, FLJULY 13, 2019 AMWAY CENTER Orlando, FLJULY 14, 2019 HARD ROCK LIVE (SEMINOLE) Hollywood, FL 3018

Restaurant servers dodged a bullet this week with a provision tucked into the .3 trillion federal spending bill.Late last year, the Department of Labor proposed a rule?that would have authorized restaurants to share tips between servers and cooks. That would allow employers to keep some tip money for themselves, as long as each worker made at least the full federal minimum wage of .25 an hour.Workers' rights groups argued the rule change would lower the pay of those who work at restaurants, hotels and bars. Opponents of the rule held splashy public protests. The Labor Department received more than 218,000 mostly negative comments on the proposal.It appeared to have worked. The spending bill, which President Donald Trump signed into law on Friday, includes a section that makes it clear that employers may not pocket any portion of tips that diners leave for workers."We beat them," said Saru Jayaraman, president of the nonprofit Restaurant Opportunities Center. "I think they realized how outrageous what they were proposing sounded to the public, and basically they backed down."Representatives for the restaurant industry, however, are also pleased.The National Restaurant Association said it never asked for employers to be allowed to keep tips in the first place. Angelo Amador, senior VP at the trade group, argued that most employers wouldn't skim tips even if they were allowed to."A decision by a restaurant to retain some or all of the customer tips rather than distributing them to the hourly staff would be unpopular with employees and guests alike, and it could severely damage the public's perception of the restaurant," Amador wrote in his comment on the proposed rule.The left-leaning Economic Policy Institute disagreed, saying that many employers take a portion of tips even in places where it's forbidden, and would do so even more often if it were legal. In a recent report, it estimated that servers would lose some .8 billion in tips annually to their employers.The language in the spending bill also effectively does another big thing: It allows employers to pool tips and distribute them among staff, as long as the employer also pays the full minimum wage. Many owners have long sought to boost the pay of kitchen workers and bussers by forcing servers to share their tips."We want to ensure that servers, bussers, dishwashers, cooks, and others who work as a team to provide great customer service in the industry have access to share in tips left by customers, as this legislation clearly allows," said Amador.That's fine with labor advocates at the National Employment Law Project, who say that pooling tips is a good way to create wage equity, as long workers are paid the full minimum wage and tips aren't shared with managers or any other supervisors. "We enthusiastically support this compromise," said Judy Conti, the group's director of federal affairs.Going forward, however, there may be less agreement between workers' rights advocates and the National Restaurant Association.Currently, the federal minimum wage for workers who get tips is .13 an hour. Seven states have done away with the two tiers and made the minimum for tipped workers the same as it is for employees who earn regular wages.Many cities and states have already raised their overall minimum wages, as the federal level has remained unchanged since 2009. The question of eliminating lower tipped minimum wages will be on the ballot this year in Washington, D.C., and Michigan and New York is considering the proposal.All of these efforts have generally come over the objections of the restaurant industry, which argues that the economy and nature of the jobs have changed."The minimum wage, with all due respect, is a 1938 income support system for a workforce that worked in manufacturing and agriculture," said Cicely Simpson, executive vice president for public affairs at the National Restaurant Association, at a panel discussion?last month. "In our workforce, we have people who drive an Uber during the day and work in restaurants at night. They have no desire to spend their entire career in an entire industry."Simpson later softened her stance and said that the National Restaurant Association would like to see policies such as the minimum wage and overtime thresholds be "updated," not trashed entirely. 4411