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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

CHICAGO -- Right now, nine COVID-19 vaccines are in or near a large-scale human trial phase. But enrollment of minorities in the trials remains a challenge. This is despite a disproportionate number of African-Americans impacted by the coronavirus.Earlier this month, ads from the National Institutes of Health began airing asking Black people and Latinos to volunteer for the coronavirus vaccine trials.“Operation Warp Speed” may be moving quickly, but pharmaceutical companies are having a difficult time getting Black and brown participants.“What we really bring to the table is moral persuasion and encouraging our population to participate in safe and ethical clinical trials,” said Reverend Anthony Evans, the president of the National Black Church Initiative. Over the past 15 years, they’ve worked with the pharmaceutical industry to boost Black representation in more than a dozen previous clinical trials.“I think that we can be a major help to both the government and the pharmaceutical industry if they use us,” said Evans.The Black community has been hesitant to take part in medical research and clinical trials because of a history of past abuse.Most infamously, the 40-year Tuskegee Syphilis Experiment that used Black men to study what happened when the disease went untreated.“They were just basically experimented on without their knowing about it or their understanding what was happening. And a lot of people had very bad outcomes because of this,” said Dr. Emily Landon, an infectious disease specialist at University of Chicago Medicine.A recent Pew study found that Black Americans are still more skeptical of experimental treatments and a potential COVID-19 vaccine than Hispanic and white adults.Add to that, most of the current trials are recruiting mainly online, something experts say often results in mostly white people enrolling.“We will know more and be able to do a better job in caring for our friends and patients of color if we have more participation in these trials,” said Landon.Moderna had to delay trials because of a lack of diversity. As of earlier this week, 13% of Moderna’s enrollment volunteers were Black and 51% white. At the same time, only 8% of Pfizers volunteers are Black and 75% white.“They are going to have a significant shortfall of data when it comes down to African Americans and other groups, especially Latinos, and simply because they have not made the efforts,” said Evans.In the end, the vaccine must be at least 50% effective to receive FDA approval. Without a diverse group of volunteers, experts say it could be difficult to know just how safe and effective the vaccine actually is across races. 2672

Carlos Ghosn and Nissan, the Japanese automaker he saved from collapse, were indicted Monday on allegations of financial misconduct, deepening a crisis that already brought down one of the global car industry's most iconic figures.Tokyo prosecutors said they indicted Ghosn and Nissan for under-reporting his income over a five-year period and are investigating allegations that the practice went on for even longer.Ghosn's sudden downfall began when he was arrested in Tokyo last month. He has since been ousted as chairman of Nissan (NSANY) and Mitsubishi Motors (MMTOF) and temporarily replaced as head of France's Renault (RNSDF).Former Nissan director Greg Kelly, who was arrested in Tokyo at the same time as Ghosn, was also indicted Monday, prosecutors said. 783

CHARLOTTE, N.C. (AP) — JPMorgan Chase says it will extend billions in loans to Black and Latino homebuyers and small business owners in an expanded effort toward fixing what the bank calls “systemic racism” in the country’s economic system. The bank said it is committing billion over the next five years toward programs that include earmarking more money for getting Black and Latino families into homeownership and providing additional financing to build affordable rental housing units. The bank said it expects the billion to help finance 40,000 additional mortgages for Black and Latino households, another 20,000 loans that will refinance mortgages and help construct 100,000 affordable rental units. 722

CAMP PENDLETON, Calif. (KGTV) - Instead of planning for a wedding, loved ones of a Camp Pendleton marine were holding a funeral this Memorial Day weekend.From the moment Kathleen Bourque met Conor McDowell off a dating app last summer in Washington D.C., it was electric."Insane, crazy, passionate ... He has a huge heart and always puts others before himself, and I was really drawn to that," said Kathleen.Four days later, the graduate of The Citadel asked her to move to San Diego as he reported for duty at Camp Pendleton. She said yes. During the cross-country trip, she wondered aloud, 'What are we doing?'""He said, 'Kathleen, trust is a choice ... We're both insane, but at least we're insane together, and give them something to talk about," said Kathleen.Together, they moved into an apartment in Cardiff and their love grew. Just before Conor, 24, left for a 10-day training maneuver earlier this month, he called his mother and told her the engagement ring made with grandma's diamond's was almost ready."He said,'When I return from maneuvers, I'm going to formally propose to Kathleen, I said that's so wonderful,'" said Susan Flanigan, Conor's mother. That proposal would never happen. During an exercise at Camp Pendleton on May 9th, the light armored reconnaissance vehicle he was riding in flipper over, injuring six other Marines and killing Conor.Conor's father, Michael McDonwell, says his son pushed another Marine into the vehicle to safety but couldn't save himself."It's devastating ... He was a person who lived his life to the fullest with great kindness, love and integrity," said Flanigan."I am shattered. My heart has been ripped out of my chest. I was his life and he was mine. I have lost a part of myself in losing him," said Kathleen.This weekend, loved ones held a funeral in Conor's hometown in Maryland. The bagpipes he had wanted for his wedding played instead at his service."He was the strongest person I knew. He taught me how to find the strength I didn't know I even had," said Kathleen.A memorial will be held at Camp Pendleton in early June, before a ceremony at Arlington National Cemetery. Conor's parents say the ring he never got to give to Kathleen will be hers when it's ready. 2235

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