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When Dr. Harold Bornstein described in hyperbolic prose then-candidate Donald Trump's health in 2015, the language he used was eerily similar to the style preferred by his patient.It turns out the patient himself wrote it, according to Bornstein."He dictated that whole letter. I didn't write that letter," Bornstein told CNN on Tuesday. "I just made it up as I went along." 382

While many think of NASA as the government agency that sends scientists into space, some of NASA’s most important work frequently is used to help people on Earth.In recent months, NASA has used its extensive network of scientists and researchers to combat the coronavirus. And in short order, the agency provided patients and healthcare providers with tools that may have been used to save lives.This week, NASA outlined a number of innovations the agency developed to support the fight against the virus.NASA created an open source for N95 respirators so people can make their own masks by using 3D printers. N95 respirators are unique as they protect the wearer from the virus. NASA’s designs were engineered to meet or exceed standard N95 performance, can be used for different purposes, are compatible with commercially-available filters, and do not disrupt the supply chain.If you have access to a 3D printer, here is how to create an N95 respirator designed by NASA.In addition to NASA’s open-source N95 respirators, the team from Johnson Space Center developed and tested a sterilization protocol to combat a national shortage of N95 masks. This allows N95 respirators to be reused by healthcare providers.“I had a very deep and personal connection to the evaluation (of N95 masks), because my wife is a medical professional… on the frontlines, with only one mask allocated for her to use and re-use daily,” said NASA engineer and project lead Jeremy Jacobs. “She has been very concerned about cross contamination between patient-to-patient and to our family.”Among other innovations, NASA’s Jet Propulsion Laboratory in California designed a new high-pressure ventilator tailored specifically to treat COVID-19 patients. It was designed to treat patients who might not require a full-featured ventilator, keeping the nation’s limited supply of traditional ventilators available, NASA said.NASA’s Armstrong Flight Research Center in California joined several other agencies to create a helmet that functions like a continuous positive airway pressure, commonly known as CPAP, machine to force oxygen into a patient’s low-functioning lungs. 2156

While many businesses shut down temporarily due to COVID-19, zoos and aquariums couldn’t fully close because animals still need to be taken care of.However, with little to no visitors during what’s normally the busiest time of the year, some are facing tough times and getting creative.“It’s a lot of work,” said Patty Wallace, an Animal Keeper at the Cheyenne Mountain Zoo.“We feed all of them about three times a day, about 40 pounds each of grass hay, about six pounds of grain per hippo, and also some fruits and vegetables for training and nourishment. So they get lots of variety,” Wallace explained. That’s just the hippos, which are part of a new exhibit the zoo opened during the shutdown.“Opening a brand new exhibit is normally hard enough,” said Bob Chastain, the President and CEO of the zoo.With large groups and traditional presentations considered unsafe, the zoo pivoted. “Now, what we do instead is we’re grabbing random people and taking them back behind the scenes, letting them help us with the everyday things we’re doing,” Chastain said.Letting kids help feed the hippos and other animals, up close and personal.“We are trying to adjust and we would like to share our hippos,” Wallace said. “But because we don’t want crowds, we do it in small bursts.”Back in spring, zoos and aquariums were told to close.“All of them have had a period of two to four months of closure. Some are still closed,” said Dan Ashe, President and CEO of the Association of Zoos and Aquariums. AZA is a nonprofit that represents over 240 of these businesses.“When they’re closed they’re not really closed, because they have to continue caring for the animals,” Ashe said. That’s what makes zoos and aquariums unique.“The essential ingredient in success is a guest,” he said. Even with no guests, the work doesn’t stop, which has put some in financial distress. “We have had some that have been on the verge of closure.”Ashe said about 20% of its members are in a weak financial position, so zoos got creative to keep guests interested. “The San Antonio Zoo started with the idea of a drive-thru zoo,” Ashe said.At Cheyenne Mountain Zoo, they made use of social media. “Our social media team, like many around the country, really ramped up,” Chastain said.Now as they begin to reopen their gates, they face a whole new set of challenges. “Almost every zoo in the country had to revamp and figure out how to do timed tickets, because it was one of the major requirements,” Chastain said.Timed ticketing, one way traffic, cashless exchange -- these were all concepts zoos and aquariums had to adapt to.“All over the zoo there are marks that help people stay away from each other,” Chastain said.Even with sold out tickets, the crowds are nothing like they used to be. And many fundraising events had to be canceled or postponed with new capacity limits.“Our guess is for the next 12 months, we won’t have those large crowds,” he said.But families continue to come to see the giraffes, look at the penguins, or feed Zambezi and Kasai, the hippos.“It’s been a challenge, but a lot of fun,” Wallace said. 3105

When Tim Frye retired from his job as a project manager in 2017, he envisioned traveling the U.S. in an RV with his fiancée. But not long after spending about a quarter of a million dollars on a luxurious, 39-foot 2014 Forest River Berkshire motorhome, his fiancée left him — and he was left with a very expensive vehicle in his yard.“I could sell it, but I’d lose a ton of money because I had just bought it and wouldn’t be able to get the full value back,” Frye said. “Or I could rent it out.”Frye, who lives in Flower Mound, Texas, opted for the latter, posting his motorhome on online RV rental marketplace Outdoorsy, which is essentially Airbnb for motorhomes and campervans. Owners coordinate with renters on a meetup spot and handle the vehicle maintenance and cleaning. Outdoorsy handles the booking requests, transactions and RV insurance.In his first two years renting his RV on the site, business already was good for Frye. But everything changed when coronavirus hit. And for Frye’s RV business, things changed for the better.“This is the king of side hustles for me,” Frye said.The coronavirus impact on RV rentingPortland-based Adam Clayton has two 2017 Winnebago Travato campervans available for rent on Outdoorsy. Before the pandemic, Clayton said both RVs were booked solid through October 2020. Given his location about 15 minutes from Portland International Airport, Clayton frequently catered to international visitors looking to road trip through the Pacific Northwest.But when the pandemic hit, all his out-of-towners immediately cancelled their reservations. With Oregon state parks closed, business was slow in March and April. But as parks reopened, Clayton saw a quick uptick in locals. Eager travelers converted from cruising to camping. They ignored international travel in favor of national parks. And that meant a sudden uptick in people looking to rent or buy RVs.It was a similar situation for Andrew Carson, who rents his RVs out of his home in Fredericksburg, Virginia.“As of early March, we had 11 reservations set up throughout the summer, yet once COVID hit, every single one canceled,” he said. “We panicked, thinking, ‘what have we gotten ourselves into?’ But once things started opening back up — around April — RVing became the hottest thing in America.”By May, he had already been booked for 120 days straight. Frye was especially lucky; he never even saw an initial dip.“People came to me because they had trips planned, but suddenly their hotels had canceled on them,” he said. “People were scrambling to find places to stay.”Frye says his bookings are up an average of 70% year-over-year. But while business is up, most RV owners agree that the type of business has massively shifted. It’s a lot of first-timers (Carson estimates about 70% of rentals this year were to first-timers), which means owners have to spend more time with renters during the initial walkthrough, and there’s higher odds of renters running into issues simply for being novices.With the usual RV-friendly spots off the list as music festivals remain canceled and many ski resorts are still closed, people are also shifting where they’re headed.“I’ve already booked two customers who are driving my RV to their parents’ houses,” Clayton said. “Rather than stay inside the parents’ house, they’re going to park in the driveway.”How much money can you make renting out an RV?RV rental marketplace RVshare estimates that owners of Class A RVs (those are the largest, most luxurious of the motorized RVs), can earn as much as ,000 per year through their site.There are also some costs involved, however:Commission fees: Online RV rental marketplaces typically charge a commission. Outdoorsy takes a 20% cut of the total reservation cost. RVshare is less transparent about fees since the commission rate correlates with revenue, but owners say it’s typically a 25% cut.Monthly payments, insurance and maintenance: If you’re financing your RV, you’ll have to make monthly loan payments, which likely also means interest and fees. Plus, factor in expenses like maintenance and RV insurance.Storage: RV storage can also be pricey if you don’t have your own garage to store it in. Expect to pay at least ,500 a year — and even more if you’re in a high-cost-of-living area or have an especially large vehicle.But still, it’s a lucrative side hustle. Frye said after accounting for all those costs, he still pockets ,000 annually on his single RV.Virginia-based Carson owns two Class C motorhomes (those are often referred to as mini-motorhomes). Between insurance and monthly payments on his two RVs, he pays about ,400 a month in RV-business related expenses — which easily pay for themselves. Carson said that this summer he grossed ,500 per month between both RVs.Considerations when getting into an RV-renting side hustleHigher-end vehicles typically work out to be better long-termFrye’s RV is a Class A motorhome, which is essentially a full house on wheels that’s big enough to stand up straight inside, has a full kitchen and bathroom, and sleeps multiple people.While they’re more expensive, Frye said he believes Class A motorhomes more easily retain their value versus a cheaper RV, like a campervan. He also said that since the RV is more expensive for renters, it attracts clientele who are more likely to take care of it.It’s good income, but it’s not passive incomeOwning an RV requires regular work. There’s annual maintenance, but there’s also work to be done with every rental. Between doing laundry, power washing the outside and wiping down the inside, Carson estimates he spends three to six hours cleaning the RV after every trip. He also spends about 30 minutes on the pre-rental walkthrough (and sometimes more if the renter is a newbie). Plus, he spends hours each week scheduling and communicating with renters online.Accept that they won’t be returned in perfect conditionWith strangers driving your RV, it’s bound to get dinged up, especially with more first-time RV renters. Even though RV experts will usually tell you they’re not as hard to drive as you might think, they’re still much tougher to navigate than your average small sedan.“You can’t be too emotionally attached,” Frye said.While sites like Outdoorsy do provide insurance, Frye still acknowledged that putting your RV up for rent is not for you if you’ll be flustered by every little scratch.“If they’re seriously damaged, Outdoorsy insurance pays for it,” Clayton said. “But if it’s something smaller — like a faucet breaks — I just fix it. It’s a business, so treat it like a business. If something gets scratched, don’t freak out.”Location mattersFrye attributes his Texas location as a big factor in maintaining consistent bookings year round, as opposed to owners up north who experience a dip in bookings once it gets colder.And specific locations within that area make a difference too. Carson lives just off of Interstate 95, the main highway along the East Coast, which means easy access for road trippers headed up to Maine or down to Florida.Getting into the RV business nowWith road trips surging in popularity, it’s a lucrative time to adopt RV renting as a side hustle. But if you don’t yet actually have an RV to rent out, good luck.Just before COVID-19 was part of the lexicon, Clayton had run the numbers and was committed to buying a third RV to build his small business sometime in 2020. But just as the rental business is booming under COVID-19, so is the business of owning one.“Every Class B RV — even if it does go on Craigslist — is now exorbitantly priced,” he said. “My only regret prior to all this is that I hadn’t purchased four RVs.”Frye is in a similar boat as Clayton; three years after buying his RV with a fiancée who has since left him, his only regret about buying one RV is not buying more RVs.“The RV market is so hot right now,” he said. “I’m trying to find another one to buy, but suddenly since the coronavirus hit, everyone wants to buy an RV.”And Frye has one more personal reason to add more RVs to his collection: He’s since met someone new — and she and her daughter both love RV camping with him.More From NerdWalletRenting Hotels for Big Events Is Dirt-Cheap … for NowAsk a Points Nerd: How Can I Celebrate the Holidays Without Travel?4 Benefits You Need From Your Travel Credit Card in 2021Sally French is a writer at NerdWallet. Email: sfrench@nerdwallet.com. Twitter: @SAFmedia. 8451

When exploring mortgage options, it’s likely you’ll hear about Federal Housing Administration and conventional loans. Let’s see, FHA loans are for first-time home buyers and conventional mortgages are for more established buyers — is that it?Not necessarily.Actually, the differences between FHA loans and conventional mortgages have narrowed in the past few years. Since 1934, loans guaranteed by the FHAn have been a go-to option for first-time home buyers because they feature low down payments and relaxed credit requirements.But conventional loans — which are not insured by a government agency like the FHA, the Department of Veterans Affairs or the U.S. Department of Agriculture — have gotten more competitive lately.Both types of loans have their advantages. Here are the factors to consider when deciding between an FHA and a conventional mortgage. 886

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