南昌市双向情感障碍医院哪家好南昌精神病特色中医治疗,南昌哪家医院治疗精神有效果,南昌看抑郁办法哪个效果最好,在南昌治精神分裂去那家医院好,南昌失眠的治疗中心,南昌治疗精神疾病医院哪个好,南昌那家发狂症好

While politicians debate unemployment benefits, those who rent housing are hoping a deal is worked out soon. Experts say, so far, the COVID-19 pandemic hasn't impacted the housing industry, but that could soon change.Property managers are concerned the housing industry could see a repeat of the Great Recession from 2008.Michael Cohen is the owner of Asset Realty Management in Tennessee, which manages close to 900 properties. He says when the pandemic first hit in March, they started to see a major decline in vacancies and payments coming in. But when unemployment benefits started to kick in, things returned to normal.Cohen is worried now that enhanced unemployment benefits for millions of Americans have ended."Some people are still trying to dig their way out of that hole where they couldn’t pay for March and now we’re three months later and they’ve made major attempts to get caught up and here we go again. Definitely, I'm concerned about it," says Cohen.Jack Strauss is the Miller Chair of Applied Economics at the University of Denver. He says to prevent another housing crisis, eviction moratoriums need to continue along with additional unemployment benefits.“We care about evictions, not just for the family which is a personal tragedy in moving, but it could destroy the neighborhoods,” Strauss said. “You can be evicted from your house, these rental properties will remain unrented for long periods of time."Strauss says there are only about 5 million job openings across the country right now and 18 million people are unemployed."We already have a health problem. We don't want another severe economic problem in terms of evictions, in terms of unemployment people going hungry and homeless," says Strauss."I just keep waiting for this tsunami of lack of rent payments and people not being able to vacate and not being able to fill our vacancies and them staying vacant. Then once we get into the holidays, then things slow down even more," says Cohen.Strauss believes Congress will eventually come to an agreement and reissue some form of enhanced unemployment benefits to people. He hopes this next coronavirus stimulus bill really focuses on those who are suffering, including people of color, who Strauss says rent properties significantly more and are more than twice as likely to face evictions."This will even further hurt the Black family unit and Lanoti family unit, as well, if we don't have a moratorium. We need to help people of color because they're more likely to be hurt by a lapse in federal aid," says Strauss. 2559

When it comes to things like the economy or the military, the United States is considered among the strongest countries in the world.But when it comes to education, the U.S. isn’t making the grade, says Dr. Tanji Reed-Marshall with the Education Trust, a Washington D.C.-based group that aims to pinpoint and fix problems and inequities in education.Through nationwide research, Dr. Reed-Marshall found fixing our schools’ funding could be the ticket to better curriculums, improving classroom leadership and creating quality education in America."It's really important for us to understand how we think through where dollars go," says Dr. Reed-Marshall.Dr. Reed-Marshall says the billion in federal funding is not enough and isn’t going to the right places."In this country, zip code still tells the story about what you're likely to receive and the quality of it," says Dr. Reed-Marshall.Teacher Chrystal Miller stresses the notion that all areas aren’t created equal when it comes to getting a piece of the education pie. If she had to give education funding an overall grade, she says it’d be a D or an F.Miller came from a rural public school in Arkansas to the Washington Leadership Academy, a public charter in D.C. She says the difference in zip code is night vs day, and it shouldn’t be that way."Schools and students should be funded based on their need and not necessarily because you're at this zip code or you have this kind of family background or this kind of economic status,” Miller says. According to research by the Education Trust, students who live in lower income areas get about ,800 fewer tax dollars per student.Dr. Reed-Marshall says tax dollars drive education dollars. She believes there needs to be equal distribution of the tax dollars to raise the U.S. to the top of the ranks and in order to create an even and quality playing field, regardless of where students live. 1919

With a coronavirus vaccine still months off, companies are rushing to test what may be the next best thing: drugs that deliver antibodies to fight the virus right away, without having to train the immune system to make them.Antibodies are proteins the body makes when an infection occurs; they attach to a virus and help it be eliminated. Vaccines work by tricking the body into thinking there’s an infection so it makes antibodies and remembers how to do that if the real bug turns up.But it can take a month or two after vaccination or infection for the most effective antibodies to form. The experimental drugs shortcut that process by giving concentrated versions of specific ones that worked best against the coronavirus in lab and animal tests.“A vaccine takes time to work, to force the development of antibodies. But when you give an antibody, you get immediate protection,” said University of North Carolina virologist Dr. Myron Cohen. “If we can generate them in large concentrations, in big vats in an antibody factory ... we can kind of bypass the immune system.”These drugs are believed to last for a month or more and could give quick, temporary immunity to people at high risk of infection, such as health workers and housemates of someone with COVID-19. If they proved effective and if a vaccine doesn’t materialize or protect as hoped, the drugs might eventually be considered for wider use, perhaps for teachers or other groups.They’re also being tested as treatments, to help the immune system and prevent severe symptoms or death.“The hope there is to target people who are in the first week of their illness and that we can treat them with the antibody and prevent them from getting sick,” said Dr. Marshall Lyon, an infectious disease specialist helping to test one such drug at Emory University in Atlanta.Having such a tool “would be a really momentous thing in our fight against COVID,” Cohen said.Vaccines are seen as a key to controlling the virus, which has been confirmed to have infected more than 20 million people worldwide and killed more than 738,000. Several companies are racing to develop vaccines, but the results of the large final tests needed to evaluate them are months away.The antibody drugs are “very promising” and, in contrast, could be available “fairly soon,” said Dr. Janet Woodcock, a U.S. Food and Drug Administration official who is leading government efforts to speed COVID-19 therapies. Key studies are underway and some answers should come by early fall.One company, Eli Lilly, has already started manufacturing its antibody drug, betting that studies now underway will give positive results.“Our goal is to get something out as soon as possible” and to have hundreds of thousands of doses ready by fall, said Lilly’s chief scientific officer, Dr. Daniel Skovronsky.Another company that developed an antibody drug cocktail against Ebola — Regeneron Pharmaceuticals Inc. — now is testing one for coronavirus.“The success with our Ebola program gives us some confidence that we can potentially do this again,” said Christos Kyratsous, a Regeneron microbiologist who helped lead that work.Regeneron’s drug uses two antibodies to enhance chances the drug will work even if the virus evolves to evade action by one.Lilly is testing two different, single-antibody drugs — one with the Canadian company AbCellera and another with a Chinese company, Junshi Biosciences. In July, Junshi said no safety concerns emerged in 40 healthy people who tried it and that larger studies were getting underway.Others working on antibody drugs include Amgen and Adaptive Biotechnologies. The Singapore biotech company Tychan Pte Ltd. also is testing an antibody drug and has similar products in development for Zika virus and yellow fever.“I’m cautiously optimistic” about the drugs, said the nation’s top infectious diseases expert, Dr. Anthony Fauci. “I’m heartened by the experience that we had with Ebola,” where the drugs proved effective.What could go wrong?— The antibodies may not reach all of the places in the body where they need to act, such as deep in the lungs. All the antibody drugs are given through an IV and must make their way through the bloodstream to wherever they’re needed.— The virus might mutate to avoid the antibody — the reason Regeneron is testing a two-antibody combo that binds to the virus in different places to help prevent its escape.Skovronsky said Lilly stuck with one antibody because manufacturing capacity would essentially be cut in half to make two, and “you will have less doses available.” If a single antibody works, “we can treat twice as many people,” he said.— The antibodies might not last long enough. If they fade within a month, it’s still OK for treatment since COVID-19 illness usually resolves in that time. But for prevention, it may not be practical to give infusions more often than every month or two.A San Francisco company, Vir Biotechnology Inc., says it has engineered antibodies to last longer than they usually do to avoid this problem. GlaxoSmithKline has invested 0 million in Vir to test them.Giving a higher dose also may help. If half of antibodies disappear after a month, “if you give twice as much, you will have two months’ protection,” Lilly’s Skovronsky said.— The big fear: Antibodies may do the opposite of what’s hoped and actually enhance the virus’s ability to get into cells or stimulate the immune system in a way that makes people sicker. It’s a theoretical concern that hasn’t been seen in testing so far, but large, definitive experiments are needed to prove safety.“As best as we can tell, the antibodies are helpful,” Lyon said.___Marilynn Marchione can be followed on Twitter: @MMarchioneAP___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content. 5919

When astronaut Victor Glover climbed aboard the International Space Station early Tuesday morning, he became the first Black astronaut arriving for a long-term stay.Glover, along with his fellow SpaceX Crew Dragon capsule crewmates, will stay on the ISS for six months.A handful of Black astronauts have visited the orbiting lab during space shuttle missions, their stays were a few weeks. More than 300 astronauts from NASA have reached space to date, and Glover is the 15th Black astronaut to do so, according to the New York Times.Glover was selected as an astronaut in 2013, at the time he was serving as a Legislative Fellow in the United States Senate, according to NASA.He is now the pilot and second-in-command on the Crew-1 SpaceX Crew Dragon capsule, named Resilience. While onboard the ISS, he will serve as the Flight Engineer. 847

Whether it’s to earn rewards toward vacations or just finance everyday purchases, there’s strong demand for credit cards among older adults.According to a report from credit bureau Experian, baby boomers (those born between 1946 and 1964) carried an average of 4.8 credit cards in the second quarter of 2019, more than any other generation in the report.One might think that an older adult’s chances of getting approved for a new credit card would be relatively high. It’s a demographic that’s had more time to establish long credit histories, pay mortgages and exhibit responsible borrowing. The Equal Credit Opportunity Act even bars creditors from discriminating against an application on the basis of age.If you fall into that demographic, though, there are several reasons why it could be challenging for you to get approved for a new credit card. Here’s what could be influencing your creditworthiness, and what you can do about it.Why older adults could be denied creditLess incomeDuring the credit card application process, you’ll be asked to report your annual income or income that you have reasonable access to; the bank needs to make sure you’re able to pay back what you charge.If you’re retired, you may be living on less since you no longer have that steady employment income, and that can affect your chances of approval.The good news is that you can count more income than just a traditional salary, including things like:Social Security benefits.Income from a spouse or partner.Income from investments and retirement.Part-time or seasonal jobs.Dividends and interest.Thin or ‘invisible’ credit filesIf you’re an older American who’s worked hard over many years to pay off your mortgage and whittle down daily expenses, you may not think your credit scores matter much anymore. But you may be rudely awakened when you incur a large unexpected expense, want to downsize to an apartment, or try to open a new travel rewards credit card to help boost a retirement trip. Credit scores do indeed still matter, and some factors may be working against you.In order to even have a FICO credit score, you need to have credit activity reported to the U.S. credit bureaus at least once every six months. Plus, that credit line with activity on it must be at least six months old.So if you’re fully free of debt — say, you’ve long ago paid off your home, your car and other loans and haven’t had any other credit activity in a year or more — the bureaus simply may not have enough information about you. Your credit file may be too thin.According to a 2019 analysis from credit bureau Equifax, about 91.5 million consumers in the United States either have no credit file or have insufficient information in their files to generate a traditional credit score.Poor ‘mix of credit’Even if you’re an older American who’s actively using credit cards and paying them off on time and in full each month, it doesn’t ensure you’ll get approved for your next card. In fact, if you have only credit card accounts in your credit file but no installment accounts like mortgages or car loans, it can be a drag on your credit scores.That’s because credit scoring models also like to see a “mix of credit,” meaning a variety of accounts that show you have experience with different kinds of borrowing. There are two basic types of credit:Revolving: Doesn’t have a set end date or consistent balance. Credit cards and home equity lines of credit are the most common types.Installment: Installment loans have set end dates and require a standard payment every month. Mortgages and car loans are the best examples.If you have a long credit history of on-time payments as well as low credit utilization, then not having a mix of credit likely won’t be enough to make or break your creditworthiness. But lacking a mix of credit could drag down a borderline score and make it hard to qualify for a new credit card.Co-signing pitfallsDid you agree to co-sign on a personal loan for your son, or on student loans for your granddaughter? Your generous help may have had unintended consequences for your credit scores.When you co-sign a loan, both the loan and payment history show up on your credit reports as well as the borrower’s. If the person you co-signed for misses payments, it’s your score that will be negatively affected.Even if the person you co-signed for is making all their payments on time, the loan could still count against you. That’s because it can constitute a debt obligation that leaves you too little disposable income to qualify for a credit line in the eyes of issuers.5 ways older adults can boost their odds of credit card approvalEven if you’ve paid off your mortgage, have a thin or invisible credit file or have never used credit cards at all, there are still ways to improve your chances of getting a new credit card.Check your credit report: Pull your credit report regularly to make sure there are no errors. A credit card issuer could have incorrectly reported a late payment, or your report could show accounts that don’t belong to you at all. If you find anything wrong, dispute the errors right away. Make sure you continue to monitor your credit regularly.Become an authorized user: If you have a loved one with a strong credit history, ask if they’ll consider adding you as an authorized user on their credit card. The issuer will send the primary account holder a card with your name on it, and you may benefit from their good credit. It may not be enough to have a huge impact on your credit scores, but it could give you a bump relatively quickly.Build credit with a secured credit card: A secured credit card acts like a regular credit card in many ways, with one key difference: It requires an upfront deposit, which acts as your credit limit and protects the card issuer in case you’re unable to pay back what you charge. Use a secured card to help build credit in the near-term, then upgrade to a traditional credit card once your credit scores are in better shape.Consider a credit-building installment loan: A credit-builder loan holds the amount you borrow in a bank account while you make the payments. You generally won’t be able to access the money until you’ve paid off the loan, but those payments are reported to at least one of the credit bureaus. Not only can that help your credit scores, but it can also add to your credit mix.Don’t close long-held accounts: If you have some credit history but are trying to improve it, avoid closing any cards that you’ve held for years. The length of your credit history and average age of accounts are factors in your credit scores. Keep your oldest accounts open, but look to downgrade cards if they carry an annual fee that’s no longer worth it.More From NerdWalletI Paid Off My Credit Card Debt … Now What?How to Increase Your Chances of Credit Card ApprovalSmart Money Moves When Cash Is Tighter Than TimeErin Hurd is a writer at NerdWallet. Email: ehurd@nerdwallet.com. 6959