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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

CHICAGO, Ill. – A futuristic innovation is changing the way doctors set broken bones. A startup company called Cast21 has created a new type of cast that completely overhauls its plaster and fiberglass predecessors. It takes just minutes to put on and lets patients enjoy an active life, even allowing them to swim and shower with it.A couple of weeks ago, 12-year-old Jett Karrick took a hard fall during a basketball game.“He went over and stopped himself with his left hand and he ended up having a bicortical radius fracture,” said his father Tony.A trip to the emergency room put him in a traditional fiberglass cast, but he was instantly unhappy.“Was itching quite a bit,” said Karrick. “He didn't like the way it smelled, the whole drama associated with getting in the shower and the garbage bag.”An internet search led the Karricks to the innovative new cast, a futuristic sleeve that's waterproof, lightweight and breathable.“This product is completely waterproof. You can wash your hands, shower, jump into a hot tub, go to the beach, and it'll dry right off afterwards,” said Ashley Moy, CEO and co-founder of Cast21. The company believes it could make smelly and itchy plaster casts a thing of the past.The casts start with a flexible hollow net sleeve.“So, we're going to be able to move your arm and whatever orientation we need to best keep the bones and fractures in place,” said Moy.Then a proprietary liquid is pumped into the cast’s tubes.“The liquid is going to take up any of the negative space that you had in there so that we can get a really acute and comfortable fit for you,” she said.Within minutes, the cast hardens.Earlier this week, Jett got his old cast removed and a Cast21 as a replacement.“This cast just gives me a lot more freedom. It lets my hand breathe and it doesn't stink as bad.”Nine-months into production and Cast21 is available in 13 states. While the Karrick family's insurance is covering the high-tech cast, costs can depend on the individual provider.“Our process is also way more efficient to apply and remove,” said Moy. “It's about six times quicker to put on and it only takes seconds to remove.”No saw is needed.And while the immobilization net is currently only available for lower arm fractures, the company says they are currently in research and development on new sleeves for other limbs. 2355

Capping days of commemorations of her extraordinary life, Supreme Court Justice Ruth Bader Ginsburg becomes the first woman in American history to lie in state in the U.S. Capitol Friday.Ginsburg’s casket was brought to the Capitol Friday morning for a private ceremony in Statuary Hall attended by her family and lawmakers, and with musical selections from one of Ginsburg’s favorite opera singers, mezzo-soprano Denyce Graves. Speaker of the House Nancy Pelosi welcomed everyone to the Capitol, and Rabbi Lauren Holtzblatt spoke during the ceremony.Democratic presidential nominee Joe Biden and his wife, Jill, and running mate Senator Kamala Harris also attended.Members of the House and Senate who are not invited to the ceremony because of space limitations imposed by the coronavirus pandemic are paying their respects before a motorcade carrying Ginsburg’s casket departs the Capitol early afternoon. 915

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

CAPE CANAVERAL, Fla. (AP) — A newly discovered comet is streaking past Earth, providing a stunning nighttime show after buzzing the sun and expanding its tail.Comet Neowise was spotted by the NASA space telescope bearing that name in March.Since then, the comet — called comet C/2020 F3 NEOWISE— has been spotted by several NASA spacecraft, observatories, and astronauts aboard the International Space Station.The celestial snowball swept within Mercury's orbit a week ago. Its close proximity to the sun caused dust and gas to burn off its surface and create an even bigger debris tail.NASA says the comet is about 3 miles across. "From its infrared signature, we can tell that it is about 5 kilometers [3 miles] across, and by combining the infrared data with visible-light images, we can tell that the comet's nucleus is covered with sooty, dark particles left over from its formation near the birth of our solar system 4.6 billion years ago," said Joseph Masiero, NEOWISE deputy principal investigator at NASA's Jet Propulsion Laboratory in Southern California.The comet will be visible across the Northern Hemisphere until mid-August, when it heads back toward the outer solar system.People wishing to catch a glimpse of the glowing comet can spot it as it swings through the inner solar system, but its nearness to the Sun creates some observing challenges.As it speeds away from the Sun, NASA says the comet will begin to make its appearance in the evening sky shortly after sunset on July 11 or July 12, depending on local conditions.“Observers might be able to see the comet's central core, or nucleus, with the naked eye in dark skies; using binoculars will give viewers a good look at the fuzzy comet and its long, streaky tail,” said NASA. 1759