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The larger number of faster and cheaper COVID-19 tests is offering hope.Researchers at Harvard and Brown say we need about 2 million tests a day of symptomatic people and contacts to fight the spread of the virus.When you add in testing for teachers, students, nursing home residents and staff, the number is about 4.4 million.That's around four times the amount of people being tested per day, according to the COVID Tracking Project.“So, I think it's important to make sure we actually have a goal post about where the country needs to head, because the testing manufacturers need to know what that number looks like in order to make their own business and manufacturing decisions about how to scale,” said Dr. Thomas Tsai with the Harvard T.H. Chan School of Public Health.Tsai says we don't have enough capacity yet with the rapid antigen tests. He says letting the supply chain drive our guidelines for testing won't get us where we need to be.He says PCR tests that take longer to come back are more accurate, but says the antigen tests are promising because we screen more often.“Think about all the information that we’ve gleaned just from the exposure at the White House in terms of the patterns over the last several days,” said Tsai. “That kind of information, that kind of action should not just be reserved for our politicians and our athletes and celebrities. That's what all Americans deserve in terms of being about to have that information to fight the pandemic.”He says testing by itself only gives you information. It's the actions like masking and distancing that really protect you.He says the federal government needs to make testing cheaper or even free for it to work. 1700

The next few weeks mark the beginning of serious financial uncertainty for millions of people, because a slew of debt, from income tax payments to several months of rent, are going to be due at the same time. “It is going to be a perfect storm of financial difficulty for many, many people,” said Andrea Bopp Stark, an attorney at the National Consumer Law Center (NCLC).The center recommends three steps for anyone that finds themselves in a financially difficult situation regarding debt.Step one: create a list of priority bills and debt to pay off. “People are going to be barraged with debt collectors calling and trying to get them to pay on a medical debt or a credit card debt, but those debts are less important,” said Stark. “Pay debts that if you didn’t pay them it would cause immediate harm to your family.”Those are things like your rent and a car payment, especially if you need your car to go to work.“If you have a judgment against you, a court judgment against you for a debt, it is important to try and make a payment plan to pay that because creditor could issue a garnishment against your wages,” Stark added. Step two: contact your lender to make a payment plan on those priority debts.“We are seeing data come in that there are people who are delinquent and don’t have a forbearance agreement when they could very easily be in a forbearance agreement,” Stark added. “I know wait times on the phone are horrible right now, but you have to be persistent and get through and find out what help is available.”Data collected by the U.S. Census shows that delinquency rates are higher in communities of color.“It is mostly Black and Latinx borrowers who are not getting these forbearance agreements,” said Stark. “Whether they don’t know about it or nobody is reaching out to them to let them know this is available, we don’t know why but that is a population that is going to be disparately impacted and has already been disparately impacted by this whole crisis.”Step three: find a way to stick to your prioritized debt list. “It may sound obvious but if you have it on paper and you have created a budget, stick that to the refrigerator or wherever, then you know these are the priority spending items,” said Stark. “If your son or daughter say, ‘Oh, I want this or that,' ‘no, look at the fridge these are our priority spending items, sorry.’” Because every situation may not be solved in three steps, the NCLC has now made its in-depth guide to Surviving Debt available for free. It has template letters to send to debt collectors and hundreds of pages of help to get you through this tough time. 2626

The League of Conservation Voters, an organization that has spent the last two years fighting President Donald Trump's environmental agenda, plans to spend more than million in helping Democrats' effort to take back the House in 2018, according to a memo from the group's top political operative.The planned spending through the group's political action committee, reported first by CNN, represents the largest commitment the group has ever made on House races. It will focus on competitive districts seen both as winnable by Democratic leaders and open to a pro-environmental message by the group.The spending is different from most outside group involvement in the 2018 midterm elections: While Democrats have been pouring money into competitive House races as a way to deliver a powerful message to Trump in November, group operatives tell CNN their messaging will focus primarily on hyper-local environmental issues that have been exacerbated by the President as a way to show environmental messaging still resonates with a host of voters, including suburbanites, Republican-leaning women and older Latino voters. 1129

The messages that enter Shane McDaniel's Facebook inbox are more than messages, they are hopes and prayers.“Shane, I am a Marine Corps veteran and my wife is disabled," one message read.“I worry about my father who has been battling stage 4 cancer," read another.McDaniel and his family try to answer those messages with each piece of wood they toss into a towering pile in Lake Stevens, Washington.“Get my eight kids together and split as much wood as we can," McDaniel explained of his efforts.The family chops, splits, and cuts wood throughout the year, but it's when the temperature drops that he receives countless messages on Facebook from people struggling and looking for a way to stay warm."It’s a lot of messages from people that are just in despair," he said.McDaniel’s drive to donate started three years ago, when he says during a scuba diving lesson, he nearly drowned.“Drowning changes your perspective on what you even own, what you spend your time doing, and I just wanted to make a positive impact,” he said.Each winter since, McDaniel has given firewood to those facing challenges."Our propane bill was almost 0 a month," said Sarah DeRemer, a single mom working multiple jobs.McDaniel brought her firewood last year in an effort to help.“I don’t get handouts. I’ve done everything on my own, for me and my kids, so it's just like, it was hard for me to accept someone being nice to me," DeRemer said.McDaniel helps people fighting many battles, including one he knows all too well. He says he lost his dad and brother to cancer, while his sister is fighting the disease now.Then, there are those fighting battles few will ever understand. People like Cindy Zink.“I’m a 60-year-old woman who was just diagnosed with ALS and this might be my last winter,” she said.Zink doesn’t know how much time she has left.“That’s what God has for me, so I’m going to wake up every day and live that day that he gave me," she said.For however long she will be here, she’ll be warmed by the wood in her fireplace.“It’s a beautiful thing when people come over and it draws them right into the home," Zink expressed.Warmth, especially in the most trying of times, carries a meaning beyond just temperature and flame.“Those are the ones that make you say, you know what, we’re going keep doing this," McDaniel said. 2327

The pandemic has not deterred people from spending money during the holidays this year.According to Mastercard SpendingPluse, holiday retail sales were about 3% higher in 2020 than they were a year ago.“American consumers turned the holiday season on its head, redefining ‘home for the holidays’ in a uniquely 2020 way. They shopped from home for the home, leading to record e-commerce growth,” said Steve Sadove, senior advisor for Mastercard and former CEO and Chairman of Saks Incorporated said in a press release. “And, consumers shopped earlier than ever before. Across our expanded 75-day holiday shopping season, sales were up 3.0%, a testament to the holiday season and strength of retailers and consumers alike.”Mastercard said that between Oct. 11 and Dec. 24, online spending was up 49%, with sales on furniture and home improvement items also seeing an increase.Online furniture sales grew 31% compared to last year, and home improvement items were up 79%, Mastercard said.Sales for department stores and clothing brands were down this year, with apparel declining 19% and overall sales at department stores fell 10%. 1137