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Researchers in Thailand have been trekking though the countryside to catch bats in their caves in an effort to trace the murky origins of the coronavirus.Initial research has already pointed to bats as the source of the virus that has afflicted more than 20.5 million people and caused the deaths of over 748,000 worldwide, according to Johns Hopkins University data. The closest match to the coronavirus has been found in horseshoe bats in Yunnan in southern China.Thailand has 19 species of horseshoe bats but researchers said they have not yet been tested for the new coronavirus.Thai researchers hiked up a hill in Sai Yok National Park in the western province of Kanchanaburi to set up nets to trap some 200 bats from three different caves.The team from the Thai Red Cross Emerging Infectious Diseases-Health Science Center took saliva, blood and stool samples from the bats before releasing them. They worked through the night and into the next day, taking samples not only from horseshoe bats but also from other bat species they caught in order to better understand pathogens carried by the animals.The team was headed by Supaporn Wacharapluesadee, the center’s deputy chief, who has studied bats and diseases associated with them for more than 20 years. He was part of the group that helped Thailand confirm the first COVID-19 case outside China in January.She believes it is likely they will find in Thailand’s bats the same virus that causes COVID-19.“The pandemic is borderless,” she said. “The disease can travel with bats. It could go anywhere.” 1567

Researchers around the world are trying to learn as much as possible about COVID-19, while reaching for a vaccine, cure or other treatment. Some recent studies are looking at vaccines we already have in our arsenal."It has been known for years that some vaccines can offer protection against diseases that they're not targeting against. Probably the best example is the BCG vaccine, which is used to try to prevent tuberculosis. It can prevent people from acquiring malaria," said Andrew Badley, the Chair of the Mayo Clinic COVID Research Task Force.Researchers have come up with theories as to why one vaccine would also protect against an entirely unrelated virus. Badley says the best theory is called immune training – that is your body, in preparing to defend itself from one disease, unintentionally protects it from another."So, with that as our basis and understanding, we did a similar analysis here with our Mayo Clinic data. What we did is we compared the rates of test positivity for COVID between those who've had vaccines and those who haven't had vaccines and stratified that according to vaccine type," explained Badley.What they found was that specifically, the MMR vaccines--which protects against measles mumps and rubella, as well as the flu vaccine and several others--had a protective effect against getting COVID-19. As for further implications for what this research could mean when it comes to COVID-19, Badley said, "certainly there will be numerous studies looking at all of the things we've talked about in the future, including the immune response."Some further research on the MMR vaccine and COVID-19 has prompted hypotheses that the reason many children aren't more susceptible to COVID-19 is because they've had their vaccines more recently than adults. The Mayo Clinic says there's no definitive answer as to whether that's true.Dr. Roy Benaroch, a pediatrician in the Atlanta, Georgia area, says the key takeaway from this research is that children and adults should be sure they're up to date on all recommended vaccinations."Certainly, it's true that vaccines overall will help protect children, will help keep them healthy. We’re also hopeful that vaccines that prevent things like influenza and pneumonia can also contribute to helping us get through this COVID crisis because some kids get secondary infections when they get COVID-19," said Dr. Benaroch.The Mayo Clinic agrees, saying people should remain vigilant when it comes to maintaining their health."Should you rush out and get extra vaccines? No, not at all. You should rush out and see your healthcare provider and update your health maintenance and if that means you are not updated on your flu or MMR, you should get it," said Badley.Experts agree that vaccines are a great way to help your body fight off diseases during this time."This exciting new research and new angle is looking at sort of a non-specific effect of some vaccines, that they seem to prevent some viral infections that aren’t even included in the vaccine. It's kind of an extra boost to your immune system that seems to occur with at least some vaccines that are on the current schedule," said Dr. Benaroch."We have every reason to expect that if you get influenza, you’re more likely to get COVID and you’re more likely to have a serious outcome if you do get COVID. So, that in addition to what we’ve just talked about, together suggests that everyone should get their flu vaccine this fall, as well as their regularly scheduled vaccines," said Badley.The next steps in the Mayo Clinic's research include looking in greater detail at the immune response and epidemiology of the MMR and influenza vaccines and how they could possibly protect against the novel coronavirus. 3754

Record unemployment rocked the real estate market. Now, interest rates are at record lows, giving many people a new way to save money by refinancing their current mortgage.Matthew Garcia, a senior loan officer with Supreme Lending, says now is a good time to refinance your home. "Absolutely. I mean, you’re looking at interest rates being at the most historic rates they’ve ever been. Rates have been in the 3% ranges before but now you’re seeing 30-year loans getting into the upper twos and middle twos, which is completely insane," said Garcia.Garcia says the industry is going through a refinancing boom that it hasn't seen since a few years after the Great Recession. Refinancing your mortgage, or essentially restructuring your current home loan under a new, lower interest rate, can be done for a couple different reasons."There’s two main types of refinancing you can do. There’s what’s called rate term refinance which means I’m simply refinancing the balance from any closing costs I might have and dropping the interest rates. That’s what called Rate Term, taking no additional cash out. Then there’s also cash out. Cash out refinances tend to be a bit more expensive. When I say more expensive, I mean the rates are slightly higher, more expensive in cost structure," said Garcia.For cash out refinancing, home owners who have likely owned their property for at least four or five years, are refinancing to take the extra cash from the increased equity in the home, and invest it in renovations or elsewhere."Where people can get into more danger is, they're taking out money because they want to go out and invest in other investment properties, go use that money to go out and buy other homes, speculate. That’s where it gets a bit dangerous. A lot of folks start watching their HGTV and think they're the expert and they're going to tap into this equity and go and do these things. There’s a lot more to it," said Garcia.Garcia says the last thing people want is to end up with two failed mortgages. He says the best reasons to refinance is debt consolidation or if it will save money in the long run.Josh Stech, CEO and co-founder of Sundae, a company that helps people with homes in bad condition get their properties sold, also says it's a good time to refinance because of how great the real estate market was doing before the COVID-19 pandemic."Rates are really low but also equity in homes was really high. We hit historic highs heading into the pandemic in terms of the amount of equity that homeowners have in their homes. Basically, the value versus the mortgage that they owe," said Stech. As for how long interest rates will last, Federal Reserve Chairman Jerome Powell has said they could be around for years. Sheck says, there's a chance interest rates could go even lower but there's already so much demand to refinance and banks can only process so many."I think as the fed is targeting a longer term near-zero interest rate environment, I think actually if you maybe wait a little bit you might play the game and win and get a lower interest rate because of the supply and demand I mentioned. I think it's a great time. It's hard to argue with record lows you haven't seen since 1971," said Stech.Experts recommend people who are considering refinancing to talk to a loan officer or financial advisor to make the best decision for their situation. But, if it's something they're interested in doing, to look into it while the rates are as low as they are. 3495

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President-elect Joe Biden said on Wednesday that his transition team’s response to the COVID-19 pandemic is being put in jeopardy as he awaits the Trump administration to recognize his victory in this month’s presidential election.“I am optimistic but we should be further along,” Biden said during a virtual call with first responders. “One of the problem that we are having now is the failure of the administration to recognize (the results).Since the Associated Press projected Biden as the winner of the election on Nov. 7, President Donald Trump and his campaign has made multiple claims that the election was stolen, and accusing election officials of fraud. So far, Trump’s campaign has not been able to substantiate any evidence of fraud in court, and has had a number of lawsuits dismissed.Regardless, the Trump administration has prevented the Government Services Administration from assisting Biden with his transition. After past presidential elections, the apparent winner is given funding and access to documents to begin the transition.Biden pointed to the Presidential Transition Act of 1963, which says that government services and documents be made available to the “apparent” victor of the presidential election.Given that 1,700 Americans died from the coronavirus on Tuesday, Biden says that it’s important his transition has access to data and information to ensure the continuity of the country’s response to the pandemic.“We need to know about the depth of the stockpiles, we know there aren’t much at all,” Biden said. “We get to the point where we have a sense of when these vaccines come out, how they’ll be distributed, who will be first in line, what the plan is.”And if the administration continues to hold up the transition?"There are a whole lot of things that we just don’t have available to us, which unless it’s made available soon, we’re going to be behind by weeks or months being able to put together the whole initiative relating to the biggest progress we have with two drug companies coming along and finding 95% effectiveness efficiency in the vaccines,” Biden saidThe White House says that calling for recounts and holding up the transition is due diligence, even though there is nothing stopping the Trump campaign from allowing the transition to move forward while contesting the results.“Actually, I think at this point, the American people just want to make sure that every legitimate vote is counted, and that nobody's discounted,” White House chief of staff Mark Meadows said.Meanwhile, some staunch Trump supporters, while not calling on Trump to concede, are saying that Biden should be included in intelligence briefings.“The president is contesting the election, and I would urge him to give intel briefings to Biden... to Joe Biden. How much further to go, I don't know,” Senator Lindsey Graham of South Carolina said.Without access to top government experts, such as Dr. Anthony Fauci, Biden has called upon outside experts to advise him on the coronavirus. Among them is Dr. Rick Bright, who was dismissed from his post in the Trump administration after criticizing the administration’s response to the pandemic.Outside organizations have also expressed concern over the transition, including Amnesty International. "Trump administration's refusal to cooperate with President-Elect Biden is worsening COVID-19 human rights crisis," the organization tweeted on Wednesday. Today, the U.S. topped 250,000 deaths from COVID-19 but President Trump continues to reject cooperation with President-Elect Biden’s team on the pandemic." 3589