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The excitement of two COVID-19 vaccines with more than 90 percent efficacy is undeniable.In November, both Pfizer and Moderna announced its scientists had developed vaccines with efficacy at or near 95 percent, but scientists are warning these vaccines are not the "silver bullet" to ending the pandemic.“We don’t want to give the public the impression that there’s an emergency use authorization and these vaccines become available in a small amount in December and we can go back to our pre-pandemic behavior,” said William Moss, executive director of the International Vaccine Access Center at Johns Hopkins.In June, the FDA released its vaccine guidelines, saying it would consider emergency use authorization for any vaccine testing with at least 50 percent effectiveness, so there is a reason for celebration, according to Moss, but only after certain questions about the vaccine are answered.Dr. Anthony Fauci has said the initial vaccines will prevent symptoms in those who become infected, rather than kill the virus itself. Moss says that means immunized people might be able to spread COVID-19 to others.He also wonders how long immunization will last. One year? Three years? Will booster doses be needed? They're all careful considerations that will only emerge once one is put into play, according to Moss.“It’s obviously tragic that the [COVID] cases are occurring that quickly, but it does help a vaccine trial because otherwise you just have to wait that much longer for samples to come in,” said Moss.The vaccine process has innovated how scientists and researchers approach these types of situations, however, according to Moss.In traditional vaccines, a small dose of the virus is injected into the body so the immune system can create antibodies. In the COVID-19 vaccine, though, both Moderna and Pfizer have used what is called messenger RNA (mRNA) where the virus’ genetic code is injected into the body so it can instruct cells on what antibodies to produce. Scientists say this way is faster, safer, and can create a stronger immune response as people are not exposed to the virus.“I suspect that if this all goes well and these vaccines are safe and continue to demonstrate 90 to 95 percent efficacy, we’re going to see other vaccines of a similar type,” said Moss. 2298

The CDC reports that the number of flu cases is low right now, and it could be because of safety precautions to slow the spread of the coronavirus, including wearing masks and remaining distant from people in public. Also, high levels of flu vaccinations.The Centers for Disease Control and Prevention tracks flu vaccine distribution and shows, so far for the 2020-2021 season, just under 190 million flu vaccines have been distributed. This compares to about 174 million distributed during the whole 2019-2020 season.According to the CDC’s weekly “flu view” update, “seasonal influenza activity in the United States remains lower than usual for this time of year.”“Overall flu activity is low, and lower than we usually see at this time of year,” Dr. Daniel B. Jernigan, director of the influenza division of the Centers for Disease Control and Prevention, told the New York Times. “I don’t think we can definitively say there will be no twindemic; I’ve been working with flu for a long time, and I’ve been burned. But flu is atypically low.”However, they caution that flu activity may increase in the coming months. Flu season typically peaks at the beginning of the year, depending on the region.The CDC’s map showing state-by-state flu activity shows the majority of the country with “minimal” rates of flu activity, with Oklahoma at a low “moderate” level. A comparison to the 2019-2020 season showed two states were in the moderate level at this time.“The unprecedented demand we’ve seen for flu shots this season, along with safety precautions everyone is taking to limit the spread of COVID-19, such as social distancing, wearing facemasks and frequently washing their hands, may be contributing to lower flu activity this season,” Dr. Kevin Ban, the chief medical officer at Walgreens, said in a written statement.Related: Is it the flu or coronavirus? Walgreens is reporting fewer sales of antiviral medications for flu so far this season compared to 2019. The health and wellness company has a flu tracker each season that tracks regional activity.Health experts remind everyone it is not too late to get the flu vaccine and be protected for the 2020-2021 flu season. 2186

The cost of education can last a lifetime, as many people into their 50s and 60s are finding out.According to Federal Reserve, 2.8 million people in the U.S. over the age of 60 are sitting on some amount of student debt, a number that quadrupled from 700,000 in 2005 and continues to grow.“This is really a sledgehammer against the older generation in more ways than one,” says Alan Collinge, creator of online advocacy group for borrowers Student Loan Justice.Collinge has been campaigning for change surrounding laws for student loans since 2005, after trying to figure out a way to pay off his own crippling college costs.“It’s a really devastating phenomenon, and I’m seeing it destroy, literally wreck, families across the country,” Collinge says. In 2018, Americans over the age of 50 owed more than 0 billion in student loans, up from billion in 2004, according to the Federal Reserve.And most can’t afford to pay, forcing retirees to continue to work well past retirement age.“The problem has become exponentially worse since we began this fight 13 years ago,” he says.In Collinge’s group, he hears stories from people ages 18 to 80 years old, who can hardly afford to live, let alone retire.“The federal government can and does garnish Social Security from seniors as a result of their student loans, so we’re hearing stories from people who at the end of the month they’re unable to buy medicine even unable to pay their rent,” Collinge says, “What kind of country does this to their senior people?”On top of that, Collinge says more people in their 50s and 60s are taking out Parent Plus loans to help their children and grandchildren pay for college, which adds to the financial burden.“This is a nationally threatening phenomenon,” he said. Through his advocacy group, he tries to offer help and resources to folks who are struggling. He’s currently on a road tour talking to legislators around the country, encouraging them to reform borrower laws, expand their rights and get colleges to crack down on sky-high tuition costs.“Student loans are the only loans in the country not subject to bankruptcy, why is that? The numbers are just getting so astonishing now, I can only hope that the new Congress puts this issue front and center and doesn’t get distracted by the palace intrigue because this is a problem affecting real people it just won’t wait any longer.” 2413

The COVID-19 pandemic has impacted businesses and industries around the country as unemployment rates are at historic highs and many are wondering how and when our economy will recover."One of the biggest impacts is going to be on workers' wages. They’re not going to recover for years. So we’re going to see zero wage increases probably for several years moving forward more than the Great Recession (of 2008 and 2009) because this hit was more than the Great Recession," says Jack Strauss, the Chair of Applied Economics at the University of Denver.Strauss predicts wages will likely stay stagnant in almost all industries. In some cases, some people will see their wages go down."This is the first time many are being cut. University of Arizona, University of Denver, where I’m from, and other universities, we have had wage cuts of 5-10%. Didn’t happen in 2008; we were frozen. But this is the first time 5-10%" says Strauss.In California, the Fresno Regional Workforce Development Board works to help businesses find qualified workers and the unemployed find their next job. Executive Director Blake Konczal says he doesn't expect people to start to really look for another job until unemployment benefits run dry. But once they do, there will be a mad dash for any available jobs."When you’re looking for work, when unemployment is that rampant, the question regrettably isn’t, ‘Why aren’t I getting a higher wage?’ People want a wage," says Konczal.The good news, though, is that economists don't expect the cost of living to increase much.“Because wages have been low, demand has been low, so the cost of living has only gone up gradually," says Strauss.But with high unemployment and few wage increases, people will likely be spending less."That negative effect will be moving forward in a lot of industries relying on discretionary items because you're still going to buy food, because that’s a necessity, but you’re not going to go on a vacation, you’re not going to buy a new car," says Strauss.Konczal is worried about how this economic downturn will affect small businesses…“And the people who worked for them,” Konczal said. “In nine out of 10 times those types of businesses are the strength of our economy, sets us apart. But in this particular quixotic COVID environment, they’re the ones who are really getting hammered."Even before the pandemic, experts say there was still a high demand for qualified employees. And just like the Great Recession, our new economic reality could have some people heading back to school in order to land a job or higher wage. 2585

The crude oil crash just got worse.US oil prices plummeted nearly 7% on Tuesday to .43 a barrel. That marks the cheapest closing price since late October 2017.The latest deep selloff coincided with more mayhem on Wall Street. The Dow shed more than 600 points on Tuesday as fears about slowing earnings and economic growth deepen."In times of crises, all assets correlate," said Matt Smith, director of commodity research at ClipperData. "Crude has gotten caught up in the flight from equities."In the span of just seven weeks, crude has gone from spiking to nosediving into a bear market. Fears of a new supply glut and weakening demand have wiped out 30% of its value since hitting a four-year high of a barrel in early October.Crude has sold off by about 7% twice in the past week. The November 13 decline of 7.1% was the worst in three years.Beyond the stock market tumble, energy analysts saw few new reasons for the energy plunge."Oil traders are overwhelmed by bearish news," said Clay Seigle, managing director of oil at Genscape. "The broad selloff in equities has traders concerned about the possibility of an economic slowdown, which could reduce demand for oil products."One new development may have also helped weigh on oil prices. President Donald Trump signaled on Tuesday he won't punish Saudi Crown Prince Mohammed bin Salman for the death of Washington Post journalist Jamal Khashoggi."It could very well be that the Crown Prince had knowledge of this tragic event -- maybe he did and maybe he didn't!" Trump said in a statement. Energy traders may be interpreting the White House comments on US-Saudi ties as a sign that the kingdom won't aggressively cut oil production to support the market. Trump has repeatedly urged Saudi Arabia and OPEC not to do anything that will lift prices."If we broke with them I think your oil prices would go through the roof," Trump told reporters at the White House Tuesday.He also said he was "not going to destroy the economy of our country" over the murder of Saudi journalist and Washington Post contributor Jamal Khashoggi.OPEC is scheduled to meet next month in Vienna to weigh a potential output shift."You've got to think OPEC will be looking to make a sizable cut to try to reign in supplies and find a floor for prices here," said ClipperData's Smith.Not long ago, OPEC was under pressure to ramp up output in a bid to avoid 0 oil. Traders feared a supply shortage caused by the Trump administration's sanctions on Iran, the world's fifth biggest oil producer.However, the Trump administration took a softer approach on Iran than it initially signaled. Temporary waivers were granted to China, India and other buyers.By that point, Saudi Arabia, Russia and the United States had already ramped up output, leaving the market with a potential glut. US production has been especially strong, driven by the shale boom in the Permian Basin of West Texas. US output alone is expected to spike by 2.1 million barrels per day in 2018.At the same time, the global growth worries spooking Wall Street threatens to eat into demand. The International Energy Agency warned last week of "relatively weak" demand for oil in Europe and advanced Asian countries as well as a "slowdown" in India, Brazil and Argentina."The outlook for the global economy has deteriorated," the IEA wrote.The-CNN-Wire 3361

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