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As mandatory face coverings become more and more common, keep in mind, some are better at protecting from viruses than others.When issuing their face covering guidelines, San Francisco specifically called out masks with one-way valves designed for “easier breathing”, warning that they allow for droplets to get out of the mask and potentially endanger others nearby. These valves are usually about the size of a coin on the side of the mask.The CDC, and many other health departments and officials, urge wearing a mask to prevent the spread of the coronavirus because it can be spread through respiratory droplets. Those droplets are produced into the air when an infected person coughs, sneezes, talks, sings, chants, shouts, etc. They can then land on other people nearby or be inhaled by others.The CDC recommends people wear a cloth face covering in public settings, to reduce the transmission of droplets into the air.“There are no high quality studies regarding the use of masks with additional types of various filters placed in them or with ‘breathing valves.’ While widely marketed with various claims, these have not been studied at all and it is unclear if they help or hurt the overall filtration efficacy against microorganisms,” read a statement from Marc Sala, M.D., Assistant Professor of medicine in the Division of Pulmonary and Critical Care at Northwestern University’s Feinberg School of Medicine.People are being asked to leave N95 masks (without a valve) and surgical masks available for medical staff and essential personnel who are coming into daily contact with many infected patients.An N95 mask with an exhalation valve is not recommended because unfiltered air is sent through the valve and into the air, potentially carrying coronavirus droplets. “The presence of an exhalation valve reduces exhalation resistance, which makes it easier to breathe (exhale). Some users feel that a respirator with an exhalation valve keeps the face cooler and reduces moisture build up inside the facepiece. However, respirators with exhalation valves should not be used in situations where a sterile field must be maintained…” according to the CDC’s website.Dr. Sala said testing has shown things like multiple layers of cotton fabric is better than a single layer, material of a higher thread count is more effective, and overall, “these studies emphasized the notion that if a mask doesn’t have a good fit (has gaps) its effectiveness is dramatically reduced.” Dr. Sala said even if the cloth mask is not ideal, it can still play a major role in preventing illness as more masks are worn by the population as a whole.Bottom line, choose a fabric face covering that fits and is comfortable around your ears or head, and keep it on while in public, especially when social distancing is not possible, to protect you and the people around you. 2864

As hundreds of homeless wait to return to the Alpha Project tent in downtown after it was flooded last week, San Diegans are stepping in to give them a little holiday cheer.ABC 10News reporter Natay Holmes was at SDCCU Stadium on Sunday morning where a local photographer, Abe Barron, and a group of kind-hearted volunteers, donated food and treats to those in need.Their mission is called "X-Mas on the Street." The group got together to make 800 tamales to hand out, along with some festive Christmas cookies. Barron and the volunteers will be at the stadium today until noon. Anyone else wishing to donate to the Alpha Project today can visit Gate C through today.The Alpha Project shelter expects to be at the stadium for another week. 748

An executive action President Trump issued Saturday on the deferral of payroll taxes could put more money in your pocket soon. Much is still unknown about how the order will be implemented, but experts say to keep a few things in mind before making plans for that extra cash.1. It’s temporaryMany employees have a 6.2% Social Security tax withheld from their paychecks and remitted to the IRS on their behalf by their employer. “The executive order defers the withholding, deposit and payment of the tax,” says Matthew Keefer, a certified public accountant at Gorfine, Schiller & Gardyn in Owings Mills, Maryland. The deferral period runs from Sept. 1 through Dec. 31.2. You may not qualifyThe deferral is available only to employees whose pretax wages or compensation is generally less than ,000 biweekly, which works out to around 0,000 a year. And currently it doesn’t apply to people who are self-employed, notes Pete Isberg, vice president of government relations at human resources services firm ADP.3. The taxes are due eventually“This is a deferral of taxes, not a forgiveness of taxes,” says Michael Graetz, a tax law professor at Columbia University Law School in New York. “So at the end of the deferral period, all of those taxes will be owed unless Congress changes the law to say that they’re forgiven.”4. Consider setting the extra money aside for nowIf your employer stops withholding and you see a boost in your pay because of it, you might want to hang on to that cash for now, Keefer says. “Unless legislation is passed, the deferred tax from the executive order will be repaid in the future,” he says. Another option, Isberg adds, is to tell your employer to withhold additional money by filling out a new form W-4 at work.Of course, not all households can afford to set money aside these days. Still, if you need the money from this tax deferral now, don’t lose sight of the fact it could mean a tax bill later.5. Some employers may just keep withholding the tax anywayIt can take time for employers to revamp payroll systems, especially if they’re not using a payroll processing company, according to Isberg. Also, employers can be liable for employment taxes, even if they don’t withhold them, he says. “Employers know that, and they’re going to realize that, ‘Look, if I do this, could the IRS come back to me in January and just assess the full amount that should have been withheld?’ Well, technically they can,” Isberg explains.Most employers won’t want to ask their employees to repay four months of taxes, Graetz adds. “This turns out to be a very complicated problem,” he says.More From NerdWalletSome Taxpayers Face a Desperate Wait for IRS RefundsHow to Work Around Delays in Major IRS FunctionsIRS Data: Refunds Lag as Agency, Tax Filers Slow DownTina Orem is a writer at NerdWallet. Email: torem@nerdwallet.com. 2862

Anyone looking to buy an appliance may need to wait a while — due to the COVID-19 pandemic, some appliances are currently backordered for several weeks, even up to a few months.Tobie Stanger, a senior editor at Consumer Reports, says that anyone currently in the market for home appliances should be flexible."If you really need a refrigerator, they're out there, but you may not get what you want. So you'll have to be flexible," Stanger said.Consumer Reports has been around since 1936 and works to create a "fair" marketplace for all consumers. Stanger is an appliance expert and says some of the backlogs have to do with the pandemic and global factory shutdowns in the earlier part of the year.Add that to increased use of home appliances and increased demand, and you've got a problem."The companies are trying to ramp it up. They still, in sone cases, cannot find parts," Stanger said. "I have been told by one of our retailers that there are a couple of manufacturers that are not taking new orders until the end of September. So, they're trying, but it's a real grind."The Repair Association supports the aftermarket of "technology products" — anything with a computer chip. Gay Gordon-Byrne, the association's executive director, says the U.S. is overly reliant on China for all electronics."Everything from toys to tractors, refrigerators, cell phones, industrial controls — it is a massive problem if you can't fix that equipment," she said.Gordon-Byrne says that since things are backordered, there's a huge demand for repairs — which creates more problems."About 90% of the stuff on the market today can't be fixed — it either can't be fixed because it's made not to be fixed, or you can't fix it without the (original equipment manufacturer) because they want to make sure they're the only people that can fix it," Gordon-Byrne said.That means consumers are forced to buy new appliances — or, in this case, wait out the backlog.Gordon-Byrne suggests supporting independent, small appliance businesses and repair shops.Consumer Reports has similar advice."We recommend that, in addition to looking at the big box store, that you look at your local independent appliance dealer. They maybe have a reputation for not having as good a price, but we talked to many consumers who were able to get the independent to match the price," Stanger said.Matt Zieminski, a board member at The Repair Association, says not to ignore the refurbished option."There is actually a thriving refurbish effort right now where a repair shop will go around and pick up those units, take the effort to pick them up, clean them make them as good as new again and then resell them," Zieminski said.It may not be convenient, but the pandemic is forcing everyone to get creative and perhaps be patient to get what was once taken for granted. 2835

An explosion leveled a home in Cleveland on Monday, and just one day after losing everything, strangers are helping themselves to the homeowner's belongings left behind. One man loaded up his truck with an oven. Another grabbed a table and chairs. Cleveland police said because it is not a crime scene, they will only respond to calls about looting.And to add insult to injury, the city has hit the homeowner, Nita Moore, with a laundry list of citations. Just after the explosion happened, one 45-year-old woman was taken from the explosion site in the 11000 block of Primrose Avenue to MetroHealth in critical condition. Witnesses at the scene said she appeared to be badly burned. According to the fire chief, she was in the street in front of the home when EMS arrived. 806