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WASHINGTON, D.C. – The head of the Centers for Disease Control and Prevention told lawmakers Wednesday that face masks are “the most important, powerful public health tool we have” against the coronavirus and they might even provide better protection than a vaccine.The CDC director, Dr. Robert Redfield, made the comments during a hearing before the U.S. Senate Appropriations Subcommittee on Labor, Health and Human Services, Education, and Related Agencies.“I will continue to appeal for all Americans, all individuals in our country, to embrace these face coverings,” said Redfield. “I’ve said it, if we did it for 6, 8, 10, 12 weeks, we’d bring this pandemic under control.”Redfield said there’s clear scientific evidence that face coverings work and they’re our best defense against the virus.“I might even go so far as to say this face mask is more guaranteed to protect me against COVID than when I take a COVID vaccine,” said the CDC director.Redfield was also asked about when a potential COVID-19 vaccine would be available to the general public, for which he answered – late in the second quarter or the third quarter of next year, which would be between June and September 2021.“I think there will be vaccine that will initially be available sometime between November and December, but very limited supply and will have to be prioritized,” said Redfield. “If you’re asking me when it will be generally available to the American public, so we can begin to take advantage of vaccines and get back to our regular life, I think we’re probably looking at late second quarter, third quarter 2021.”Redfield says the first supply of vaccines will likely go to first responders and those most vulnerable to the disease.Later in the day, President Donald Trump held a press briefing, during which he was asked about Redfield’s comments and said that the CDC director may have been confused or made a mistake. He doubled down on saying that a vaccine will be available before Redfield’s timeline.“I think he made a mistake when he said that,” said Trump. “That’s just incorrect information. I called him and he didn’t tell me that and I think he got the message maybe confused, maybe it was stated incorrectly. No, we’re ready to go immediately as the vaccine is announced and it could be announced in October, could be announced a little bit after October, but once we go, we’re ready.”On Twitter, Redfield went on to clarify the statements he made in the hearing, saying he 100% believes in the importance of vaccines, especially the COVID-19 vaccine.“A COVID-19 vaccine is the thing that will get Americans back to normal everyday life,” he wrote. “The best defense we currently have against this virus are the important mitigation efforts of wearing a mask, washing your hands, social distancing and being careful about crowds.”Click here to learn more from the CDC about how to protect yourself and others from the coronavirus, which has killed more than 197,100 people across the nation, according to a tally by Johns Hopkins University. 3053

We have increasingly been hearing about security and privacy problems with smart devices that are connected to the internet. All of these devices, from doorbells to thermostats, could one day have what's almost like a nutrition label on them.The label would tell you about the security and privacy features of the device.Researchers from Carnegie Mellon University came up with the design for what the label could look like.The researchers want to have the label on the packaging and the website. They expect there would still be impulse buys where you would disregard the label, but it would help in other situations.“When they're making a more considered purchase for their home or if they're giving it as a gift to some else or if it's something that's more sensitive, I’m not just buying a light bulb, but I'm buying something that's health-related or something that has a video camera attached to it and I want to know where that video data is going, then I expect people will pay attention,” said Lorrie Cranor, Director of CyLab.Cranor, one of researchers who has been working on this, says the biggest obstacle right now is getting companies to buy in.She says to really have widespread adoption, there needs to be regulation that requires it. A number of pieces of regulation in Congress have mentioned the idea of a label, but none of them have advanced.She says having marketplaces require it would help as well.“You want your item to be sold in Best Buy or on Amazon or whatever, you have to have this label or we're going to feature the products that have this label,” said Cranor.This proposed label is for when you're buying a smart device, but there's already a recently created tool to find out about the smart cameras or location trackers you didn't buy that you may encounter around the city.The IoT Assistant app will notify you how your data is being collected by those devices. You can download it for free in the App Store or Google Play. 1969

We stand united with our Jewish friends and neighbors against this disgusting act of vandalism, desecration, and hate toward our fellow human beings. Anti-Semitism must find no home in our community. https://t.co/yuf2oHTQco— Justin Amash (@justinamash) November 2, 2020 277

We’re all feeling effects of the current recession, whether it’s the rising cost of groceries or the pervasive economic uncertainty. But some are feeling a bigger impact than others, and data indicates renters are disproportionately affected.Half (50%) of American renters had used or planned to use their government stimulus check for necessities at the time of an early May NerdWallet survey, conducted online by The Harris Poll. That’s compared with 32% of homeowners. Three in 10 renters (30%) used or planned to use it to pay rent, whereas 15% of homeowners used or planned to use it on their mortgage.Renters are vulnerable when expenses grow or income is slashed, due to lower average incomes compared with homeowners. Further, they don’t have access to the same built-in relief valves as mortgage-holders — such as forbearance or loan modification — when they can’t pay their monthly housing costs.Federal, state and local eviction bans protected some renters for several months, but many of those orders have since expired, and possible extensions are uncertain. Without those protections, many tenants could be on a fast track to trouble, and even with those safety nets in place, the rent bill will eventually come due.Housing costs take a bigger bite of renter incomeRenters have less insulation from economic crises. Not only do they earn less, on average, but they also spend more of their income on housing. While a loss or reduction of income could instantly push these households to the breaking point, even minor setbacks can send them closer to the edge.Renters spend 31% of their income on housing costs on average, compared with homeowners, who spend 20%, according to U.S. census data. The rising cost of groceries, unexpected medical bills, supplies for a child’s at-home education — these could pile up to make monthly bills unmanageable, even if household income isn’t affected by reduced work hours or unemployment.This isn’t to say homeowners aren’t feeling the effects of record unemployment and economic upheaval. While many homeowners have been able to take advantage of record low interest rates to refinance their mortgages, more than 8 million homeowners didn’t make their June house payments, according to the mid-July Household Pulse Survey from the U.S. Census. But that’s just 6% of homeowners, compared with 18% of renters who couldn’t pay their June rent.There is also evidence that populations hardest hit by unemployment are among the most likely to rent. For example, people in their 20s are the only age decade that’s more likely to rent than own, according to census data, and 34% of unemployment claims are being filed by those aged 22-34, more than any other age group, according to data from the Department of Labor. Also, 49% of people working in the hotel and food industry live in rentals — a far higher rate than the 36% of Americans overall — and this industry represents the greatest share of all unemployment claims.Web searches for rent relief terms peaked, and peaked againEvidence of the sustained impact on renters can be seen in Google search data, where it’s a safe assumption that people searching for terms such as “rent relief” and “rent assistance” are either experiencing or anticipating difficulties paying the rent.In mid-March, searches for terms related to housing relief jumped to levels not seen before. And while “mortgage relief” was far more common than “rent relief” or “rent assistance” that month, those terms have sustained greater search interest throughout the summer.Unlike mortgage relief terms, which have waned since April, rent relief terms sustained higher-than-normal volume after the initial jump, and peaked again in mid-July. They’re currently trending lower than both peaks, but higher still than seen in the years before the pandemic.What renters can doTenants having difficulty paying the rent have a few options at their disposal, but they may have to make tough decisions in the coming weeks and months. A legal eviction can make it difficult to find safe, affordable housing in the future, so preventing that should be paramount.Negotiate with your landlord. You may be able to work out an installment plan to pay your rent throughout the month or get caught up if you’re behind. Also, legal evictions are costly and time-consuming, so your landlord may be willing to negotiate a more graceful exit if you’re bound by a lease but unable to hold up your end of the contract.Apply for emergency assistance. The National Low Income Housing Coalition provides a database of local and state resources for emergency rent assistance. Local charities and churches may also be able to help. Visiting the website 211.org or calling 211 can help locate local resources like these.Borrow smartly. If you’re forced to borrow to keep up with your rent, weigh the costs of any loan — if you’re unable to pay it back, you could find yourself in an even worse predicament. Borrowing from friends and family is generally the least expensive option, followed by paying your rent with your credit card and, as a last resort, getting a cash advance on your credit card.Know if you’re protected from eviction. Many eviction bans at the local, state and federal levels have expired, but some remain, and lawmakers could take action to extend previous measures or enact new ones. Nolo.com maintains a database of the mixed bag of regulations, and you can check state and local government websites for details in your area.Move. Moving can be expensive and is generally a last resort. But when it gets to a point that holding on to your rental is causing more problems than it’s solving, it may be time to talk to family members and friends about finding an alternative. Living in your parent’s (or adult child’s) guest bedroom may not be ideal, but drastic times call for drastic measures, and many of us are facing circumstances we couldn’t have imagined just six months ago.Analysis methodology available in the original article, published at NerdWallet.More From NerdWalletSmart Money Podcast: Lower Mortgage Rates, and Moving During a PandemicMoving Safely in a Pandemic Takes More Planning, More MoneyCan You Have Too Much Credit?Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6318

WEST HOLLYWOOD, Calif. -- Adult-film actress Stormy Daniels was honored in West Hollywood with her own day and a key to the city Wednesday.While at the ceremony, Daniels said jokingly, “I’m not really sure what the key opens. I’m hoping it’s a wine cellar."West Hollywood Mayor John Duran proclaimed Wednesday “Stormy Daniels Day” after praising the adult-film actress. RELATED: Stormy Daniels files defamation lawsuit against Trump"Out of all the chaos of the Trump administration, our own Lady Godiva appeared on horseback," Duran said during a raucous presentation at Chi Chi LaRue's erotic apparel shop. "And as you know, Lady Godiva rode naked through the streets of England to protest injustice and taxes, and we have our own Lady Godiva here in the city of West Hollywood."Daniels is suing President Trump and his attorney in federal court in hopes of invalidating a non-disclosure agreement she signed.Daniels claims, despite signing the document herself, that it’s invalid because Trump never signed it.RELATED: Judge denies motion by Stormy Daniels' attorney to depose Trump, CohenTrump’s personal attorney, Michael Cohen, admitted to paying Daniels 0,000 as part of the non-disclosure agreement. 1232

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