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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

CARLSBAD, Calif. (KGTV) -- Starting in January, San Diegans with a long commute can choose to ditch the traffic and fly to work thanks to a start-up service co-founded by a UC San Diego graduate.FLOAT, which stands for Fly Over All Traffic, is a commuter air service that will operate a fleet of nine-passenger planes at small airports throughout Southern California. Like van pools, routes will be determined by customer demand. There is already interest in service out of McClellan-Palomar Airport in Carlsbad, the company reports. Other San Diego airports like Montgomery-Gibbs in Kearny Mesa and Brown Field in South Bay could be added, said co-founder and CEO Arnel Guiang.RELATED: Making It in San Diego: Some San Diegans commuting three hours to, from work"FLOAT is shattering the myth that sitting in hours of traffic every day is a necessary and unavoidable way of life in Southern California,” said Guiang.A base membership will cost ,250 per month for flights five days a week, he said. That means each leg of the commute will cost about .Guiang, a UCSD computer engineering graduate, said he came up with the idea for FLOAT while working at Northrop Grumman in Los Angeles County, where his commute took two to three hours a day.RELATED: San Diego commuters spending 64 hours per year stuck in trafficOne day, Guiang said a coworker offered to fly him to work in a private plane, shaving his commute to about 20 minutes.“With the high cost of living, more Southern Californians are finding nice homes at attractive prices in the suburbs outside of thriving business locations, which leads people to lengthier commutes,” Guiang said. “Carpool and vanpool options are only shaving a few minutes off these commutes, and these lengthy commutes are cutting into people’s quality of life.”The service is targeting so-called “super commuters,” those with commutes of 90 minutes or more each way. There are nearly 26,000 super commuters in San Diego alone.RELATED: Check 10News Traffic reportsCustomers will be able to walk onto a plane in minutes using an app, without security checks by the TSA, Guiang said.FLOAT will start with three planes at first, and the company says the idea is taking off: more than 700 people have signed up so far.Customers can request a route here. 2295

CHICAGO, Ill. – A study published this month suggests that by lessening the amount of virus you take in by putting on a mask, you may also lessen the likelihood of getting severely sick if you contract COVID-19.As the race to a safe and effective coronavirus vaccine heats up, new research about masks is changing the narrative on their importance.Last week, CDC Director Dr. Robert Redfield called face masks the most “powerful public health tool we have.”“I might even go so far as to say that this face mask is more guaranteed to protect me against COVID than when I take a COVID vaccine,” said Dr. Redfield.It was a stark change from CDC messaging early on in the pandemic that face coverings would most likely only protect those around you.“That was because there was a lot of data at that time that you can shed the virus at high rates from your nose and mouth even when you feel well,” said Dr. Monica Gandhi, an infectious disease doctor and professor of medicine at the University of California – San Francisco.She co-authored newly published research in the New England Journal of Medicine that theorizes that not only do masks protect the wearer but they may even reduce the severity of the coronavirus when someone gets infected.“We realized that we should be messaging more strongly masks protect you as the wearer and protects others,” said Dr. Gandhi.It theoretically works much like the early days of vaccines that used small amounts of viruses to illicit an immune response in the body. So, by wearing a mask, you are only exposed to lesser amounts of the virus, if any, potentially building up a sort of immunity.“The more virus you get inside, the sicker you are, the less virus you have, the less sick you are. This is called a dose response and it's true of many infections,” said Dr. Emily Landon, an epidemiologist and infectious disease specialist at University of Chicago Medicine.Gandhi says the theory has already been studied and proven in animals.“There was a hamster study that looked at the COVID-19 virus and the more that the hamsters were given, the more sick they got,” she said.Dr. Gandhi says it could also explain the why according to the CDC, 40% of coronavirus patients are asymptomatic.“Countries that mask well have lower rates of severe illness than countries that don't mask well. So, putting it all together, this is our hypothesis.”And while the research is still theoretical, if it bears out, experts say universal mask-wearing could drive up the proportion of people who get less sick from the virus if they do contract it. 2579

Cancer treatments can take a toll on the mind and body, leaving many patients feeling alone and isolated.Now, senior citizens fighting cancer, like Mary Hill, are able to escape their hospital rooms through virtual reality.By putting on a pair of goggles, Hill now spends her chemo appointments on stage at Red Rocks Amphitheater as an orchestra plays classical music all around her virtually, while in reality, she receives cancer treatments. “Wherever it is that they want to be that’s not a hospital room, we give them the opportunity to go there,” said Kyle Rand with Rendever, a company designed to reduce social isolation through shared experiences in virtual reality.Rendever is operating in more than 200 locations across the U.S. and Canada, serving seniors by offering them hundreds of virtual experiences to choose from.“The magical part about this is that they get to move from the hospital room that they’re in to all of a sudden being at the Red Rocks, or being standing on the Eiffel tower, or being in Brazil,” Rand said.Medical experts say this kind of distraction therapy is very helpful, especially during the COVID-19 crisis.“In the middle of this pandemic, a place that we’re not able to go to right now and enjoy and everyone loves Red Rocks,” said Nikki Caputo with UCHealth.She says adding VR for patients is somewhat challenging for an already busy staff, but that the benefits are well worth it.“From a mind, body and soul perspective, being able to put on a headset and take your mind to a completely different place, it's quite something,” she said.It's something patients like Hill say helps them escape during this pandemic and ultimately overcome depression and isolation.“With COVID, I don’t go anywhere,” she said. “I’m safe and secure and there’s an outside world that I can think about instead of myself.” 1848

Champion is phasing out an exclusive line at Target and Wall Street isn't pleased.Hanesbrands, the parent of Hanes, Champion, Maidenform and Playtex, plunged 19% on Wednesday after it told investors that it would end a longtime deal with Target.The company reported that its profit last quarter fell 18% from the same time last year because costs and expenses both grew, adding to the stock selloff.Hanesbrands has partnered with Target, selling the C9 by Champion men's, women's and children's activewear clothing and shoe brand for 15 years. But the company won't renew its contract for the line with Target when it expires in early 2020.Once the deal lapses, Hanesbrands will still sell clothes there. The retailer accounted for 13% of the company's .4 billion in sales last year and was the biggest customer in its activewear business. Target was Hanesbrands' second largest buyer overall behind Walmart.C9 has been a big cash driver for Hanesbrands, raking in 0 million in sales over the last 12 months. The line also includes sports equipment and extends to plus-size shoppers and pregnant women.Champion is the company's second-largest brand behind Hanes, and it has been growing as it heads to retailers in new markets, including Europe and Asia. Champion has benefited from partnerships with designers and brands like Supreme."Consumers are demanding brands with athletic authenticity," CEO Gerald Evans told analysts on a call Wednesday. "We have driven a brand elevation strategy for Champion to capitalize on these consumer dynamics."The brand's global sales grew 18% last quarter, and Hanesbrands projects Champion will reach more than billion in sales by 2022.Although the company said ending the C9 contract with Target won't affect its long-term forecast for Champion, analysts grilled Hanesbrands executives for answers on why the deal expired and how it planned to replace C9 sales.Evans said Hanesbrands hasn't determined whether it will end the line after 2020, but he left the door open to continuing C9 at another retailer: "There is equity in that brand."One analyst on the call, Doug Thomas at Gamco Investors, believed Target made a mistake by walking away from C9."I just feel like Target must be really out of touch with maybe their core consumers," he said. "This is the time in my view— and I guess a lot of other people's view— to redouble their commitment to Champion." 2416