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Whenever you get vaccinated for the coronavirus, there is a good chance you will need to get two doses of the vaccine. Two types of vaccines are expected to begin being distributed this month and both require two doses 28 days apart.Dr. Anthony Fauci said during a CNN town hall on Friday that the first vaccine is the “prime” vaccine dose, and the second one is a booster. The two vaccines, one from Pfizer and the other Moderna, are expected to receive an FDA emergency use authorization in the coming weeks.Fauci said another vaccine, one produced by Johnson and Johnson, would only require one shot. But Fauci cautioned that the data from that vaccine candidate has not been reviewed. The Moderna and Pfizer vaccines are showing an efficacy of 95%, and both vaccines had a near 100% effectiveness against severe coronavirus cases.While the first shot will offer some protection against the virus, Fauci says that the boost will give Americans “optimal” protection against the virus.“What you have is you get some degree, not optimal, but some degree of immunity a couple of weeks after the first dose,” Fauci said. “That's not optimal. After the second dose, you get optimal immunity anywhere from seven to 10 days after the second dose."As vaccine doses begin to make their way to health care workers and high risk patients, Fauci says it will be important for everyone, even those who are vaccinated, to still wear masks and conduct social distancing. Fauci says that those who are vaccinated could potentially carry the virus, even if they will not become symptomatic.Fauci said that it will take a vast majority of Americans getting vaccinated before the US reaches herd immunity. When the US reaches herd immunity, that is when social distancing measures can be eased, Fauci says. "Even if you're vaccinated, you may be protected against getting sick, but you may not necessarily be protected against getting infections. So you may have some virus in your nasal pharynx. It wouldn't bother you, and maybe it wouldn't even infect anybody else, but it would be there. That's the reason why you can't abandon all public health measures." 2151

When’s the last time you checked your credit report? A new report by CreditCards.com found nearly half of adults haven’t checked their credit report in the last 6 months.It’s been 6 months since the massive Equifax breach where millions of people’s personal information was leaked. CreditCards.com found out nearly half of us haven’t checked out credit report since then to find out if we were one of the victims. Matt Schulz with CreditCards.com says, "Frankly that’s disturbing."Schulz says, “This was an enormous deal. Key personal information like social security numbers were compromised for nearly 150 million people.”Once your personal information is compromised, it’s out there for good. 74% of you said that having your personal data stolen would be worse than having your cell phone stolen.Schulz recommends you check your credit report once a month. “We don’t think about checking Instagram or Facebook 10x a day but, it seems way too much to ask to go to your bank website or check your credit report on a regular basis.”Now more than ever it’s easy to check your credit report.Schulz says, “A credit report will show you if somebody in particular has opened an account under your name without you knowing about it. And that is potentially one of the most damaging things someone can do.”You can get your vantage score, credit score and free Transunion credit report at places like CreditCards.com"Remember, the last thing you want is for your credit score to be dinged by mistakes that aren’t your own.” 1529

When Dan Margenau bought his new house, he found squatters making a big mess.“Footprints all over; carpet is dirty,” the new homeowner said. “They’re troublesome little creatures.”That’s right, creatures -- a family of racoons living rent free in his attic.“It’s frustrating to deal with,” Margenau said.Frustrating, costly and potentially dangerous.That’s when Margenau called Whitmore Pest and Wildlife Control.Worker Jonathan Mulder says his company has received a massive spike in calls lately. He believes the increase is linked to more people staying home due to the coronavirus pandemic.“Unfortunately, COVID happened at a time when we were already knowing that we were going to get a higher call volume,” Mulder said.Across the country, more people are seeing an increase in pest problems.In New York City, the Centers for Disease Control and Prevention issued a warning about aggressive rats starving for food scraps as restaurants shutdown during the pandemic.Down south in Hoover, Alabama, veterinarians have seen an uptick in snakes biting dogs.“Pets have kind of been couch potatoes for a long time," said Dr. Jessica Caver, medical director for Steel City Emergency Vets.She says over the past two months, her staff has seen a 40% increase of dogs bitten by snakes compared to last year.“The biggest thing that I can attribute that to right now is that a lot of people are out you know get some break from the quarantine from COVID-19,” Caver said.Back at Margenau’s house, Mulder is working to evict the unwanted visitors.He understands that there’s an unemployment problem during the pandemic, but says if you’re dealing with a pest problem, it’s best to get it taken care of immediately. If not, it could end up costing you a lot more in the long run. 1776

Whether your car breaks down or you are slapped with a hefty medical bill, odds are most of us are not ready to pay for unexpected expenses. Instead of using a credit card to pay the bill, you might consider taking out a personal loan. Banks aren't the only ones lending money. According to Consumer Advocate, the top lending companies for 2018 include, Lending Tree, SoFi and Upgrade.Alison Norris, a certified financial planner with SoFi says you can borrow up to ,000 with some companies. However, you have a shorter period of time to pay them off. "They are paid off in periods ranging from 2 to 7 years," says Norris. Typically, when you're slapped with an unexpected expense, you reach for the credit card. But Norris says personal loans have a lower interest rate than most credit cards. "It could be the difference between an average credit card APR of 16 percent to a personal loan which can start as low as 6 percent," Norris says.What's different about a personal loan is that there is no collateral, unlike a home or car loan.   "You can compare that to a car loan if you were to stop making payments, it's possible that your car could be repossessed," Norris says.    With a personal loan, it's only backed by your guarantee. But if you can't pay on time, your credit score could take a big hit."It could very much change your ability to get a job in the future or apply for another loan and will have a few other repercussions," Norris says.   But remember, it's best to not take on more debt than what's necessary.   1647

When you step inside a restaurant in eastern Idaho, it’s no secret which menu item is a favorite one."I don’t know what other kind of potatoes we would have if we didn’t have Idaho potatoes," said FaDale Fisher, who works at Big Jud's in Ashton, Idaho.The restaurant is feeling life again in a state that produces more potatoes than any other.“Now, we’re almost back to full force, even though we are still limited on tables, business is still really well," she said.Idaho potatoes are also an important ingredient at Grandpa's Southern BBQ in Idaho Falls.Owner Lloyd Westbrook says take-out orders have helped his restaurant thrive this year. He's been in business since 1995.“You will find hospitality in restaurants out West, but it’s just not quite southern hospitality," he said.While the sight of spirited kitchens could give hope the food industry is beginning to rebound, for some of the potato farmers who work close by in this state, that hope feels very far away.“It’s unclear if we’re even going to be able to stay in business," said Doug Hess.Hess' family has farmed his land since the 1800s.“When you look around, you realize you’re actually farming with not your equity but your grandfather's, your father's equity," Hess said.Hess’ specialty is seed potatoes. They are grown free of virus and genetic defects.He sells to commercial farmers, who use the seed potatoes to grow the ones you eventually eat.Hess says the pandemic caused a food-chain reaction that hurt his business. When restaurants closed, the distributors that deliver potatoes to kitchens pulled back on buying from commercial growers, and those growers bought less of his already grown crop."We were anticipating a bag of a potatoes," Hess said. "Click of a switch if you could get rid of it for ."He was left with a pile of potatoes, and he donated about a quarter of his crop.He's now planted significantly less as COVID-19 cases rise.The federal government has stepped in to help the potato industry, but Hess says the struggles of he and his fellow farmers could last long after the pandemic."It could be three or four years out before this thing stabilizes," he said.For this lifelong farmer, it's a generational pressure.“Every time I sit at the table and I look at my sons thinking, ‘Will I be able to pass this on as my father passed on to me?’” Hess said. 2361