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WILMINGTON, Del. – During a year-end address, President-elect Joe Biden warned that country is far from emerging from the coronavirus crisis.“Our darkest days in this battle against COVID are ahead of us, not behind us. So, we need to prepare ourselves and steel our spines,” said Biden in Wilmington on Tuesday. “As frustrating as it is to hear, it’s going to take patience and persistence and determination to beat this virus. There will be no time to waste in taking the steps we need to turn this crisis around.”Watch Biden's speech below:During his speech, Biden spoke about the 0 billion COVID-19 relief bill that Congress approved Monday and is awaiting President Donald Trump’s signature. He said the bill is a good next step, but more funding will be needed in the coming year.“I have said all along, this bill is just a first step — a down payment — on addressing the crisis we’re in. We have a lot more work to do,” said Biden.Biden also took the chance to express sympathy for the many American families who are struggling financially and emotionally as they celebrate the holidays in isolation amid the global pandemic.“With over 320,000 lives lost to this virus, Jill and I send our prayers to all of you facing this dark winter with an empty seat at the dinner table where your loved one used to sit, talk, and laugh,” said Biden. “Our hearts go out to all of you who have fallen on hard times through no fault of your own, unable to sleep at night, weighed down with the worry of what tomorrow will bring for you and for your family.”Like for Thanksgiving, the Centers for Disease Control and Prevention (CDC) is encouraging people to celebrate the end of year holidays at home with the people you live with. Gatherings with family and friends who do not live with you can increase the chances of getting or spreading COVID-19 or the flu.“Like we did over Thanksgiving, we all have to care enough for each other that we have to stay apart just a little longer,” said Biden. “I know it’s hard, but we have a long way to go.”Biden also encouraged Americans to continue taking the necessary precautions to prevent the spread of the coronavirus as the nation ramps up its vaccination efforts.“We need everyone to mask up, stay socially distant, and avoid large gatherings,” said Biden. “And we need to work in a bipartisan way. That’s the only way we’ll get through this.”Biden himself received his initial dose of Pfizer’s COVID-19 vaccine on Monday, shortly after his wife did as well. He joined a growing list of officials who have publicly been vaccinated to show confidence in the vaccination process.During his remarks, Biden said he has “absolute confidence in the vaccine,” but the country is short on supply. He explained that vaccinating millions of people will be a logistical challenge.“Taking the vaccine from a vial and into the arms of millions of Americans will be the biggest operational challenge we’ve ever faced. It will take many more months for that to happen,” said Biden. “In the meantime, the pandemic rages on.”Early next year, Biden said he will put his plans for what’s to come before the Congress. He said we will need more help to fully distribute the vaccine, to reopen our schools, to help our front-line workers, and to make sure those struggling to make ends meet are taken care of.On his day in office, Biden says he will enact masking requirements, a new strategy on testing, and work on accelerated production of protective gear.Biden also discussed the recent cyber security breach against U.S. companies and federal agencies. He blamed the Trump administration for failing to prioritize cyber security“From eliminating and/or downgrading cyber coordinators at both the White House and the State Department, to firing his Director of the Cybersecurity and Infrastructure Security Agency, to President Trump’s irrational downplaying of the seriousness of this attack,” said Biden. “In an age when so much of our lives are conducted online, cyber attacks must be treated as a serious threat by our leadership at the highest levels.”Biden said he believes we must treat cyber threats with the same seriousness of purpose that we treated the threat of other unconventional weapons.“We must work with our allies to establish clear international rules and mechanisms to enforce them and consequences for those that violate them,” said Biden.After his remarks, Biden took questions.When asked about the potential for more direct payments, Biden said his plan will include a new round of stimulus checks for the American people, but the amount is a “negotiating issue.”Regarding his choice for attorney general, he said he’s still trying to determine who will serve in that role and that “there’s not an obvious choice in mind.”When asked if he would announce his 2024 bid early to show he's not going to be a lame duck president, Biden said, "I'm not going to be a lame duck. Just watch me. Just watch me." 4960

We've heard about telehealth for people, but now it's there for animals too. According to the American Veterinary Medical Association, there's been a significant increase in telemedicine, and some veterinarians are entirely virtual.The pandemic has proven we can do almost anything from our couches, computers and phones. We've grown accustomed to all things virtual and it seems our pets are used to it too.“It really highlights the value of something like this and it also really highlights where society is living. Even before the pandemic, turned to google, turned to the internet first. It's our first step in almost everything,” says Dr. Sarah Machell.Machell is the lead veterinarian for Vetster, which provides on-demand virtual care for your pet.“Consultations, meeting pet owners in their homes, where they are with their pets, and helping to address urgent and preventive care health conversations to them,” Machell said.She says the company, which launched in October 2019, wasn’t formed because of the pandemic, but they certainly evolved at the right time."The veterinary clinics themselves are feeling a really heavy surge with the pandemic. It’s a pretty crushing situation for them. We already as a profession had some staffing challenges, not enough veterinarians for how many pets and pet owners there are,” Machell said.Pet owners, she says, often have a hard time getting an appointment. Or they have to wait in their cars with their animal outside of their clinic. And, according to Vetster, 50% of pet owners don't even have an established home clinic.“There was a poll recently that showed 37% of American households welcomed a new pet into their home during the pandemic. Pandemic puppies are a real thing,” Machell said.“I think it offers a great addition to the tools I have at my disposal. Telehealth can be used very much the same way,” said Dr. Douglass Kratt, president of the American Veterinary Medical Association. The AVMA serves roughly 96,000 veterinarians across the country. They've been through a lot this year, adjusting to new norms, like all of us. As in human medicine, they've had to perfect, or initiate virtual options.“It doesn’t replace your veterinarian. What it does is help your vet better serve you and your family member,” Kratt said.Kratt admits there are some obvious challenges.“I can’t hear if your dog is coughing, I can’t listen to the heart and lungs via telemedicine so that wouldn’t be amenable,” Kratt said.He says, however, it's effective overall, and especially worthwhile if it's with your established vet. But if you don't have one, Vetster and other businesses like it aim to help.“There are so many pets and pet owners who sometimes sit on things and aren’t sure if they need to go into a clinic, really appreciate that piece of mind in the middle of the night that no, you don’t need to pack yourself up and get into a vet clinic. This is something you’re okay to wait until the morning,” Machell said.And she says they're prepared to help all animals from pocket pets to exotic and large animals. It’s yet another adjustment and another pivot in 2020. 3131

When it comes to our cars, the cost of gas, oil changes, tires, insurance, and those dreaded repairs all add up. Many drivers don't realize how much their car really costs them.Kat Coughlin knows how expensive an older car can become."The tie rod, the tires, the transmission went out," she said about her older Taurus. "I think we spent about ,000 trying to repair it."Repairs like that can blow the budget. So it helps to know the true cost of owning a car, not just the monthly cost that the salesman puts on the sales sheet.AAA adds up all the costs and feesA new study by AAA finds the average cost of owning a new car is ,469 a year for 2017, when you factor in depreciation, insurance, gas and maintenance costs.AAA says a lot of people buy a car just based on emotions, looking only at that monthly payment of, say, 0 a month. But AAA says you are really paying 0 a month, on average.The agency says drivers don't stop to think what it will cost to maintain the car over a year or two, whether or not it is off the manufacturer's warranty.Bobby Drake is the head mechanic at an AAA repair shop."Even if it's a relatively new car you still have a lot of maintenance," he said.He says many people add to those costs by postponing maintenance, to save a few bucks now.For instance, he sees them wait for the brakes to wear down to metal, and start grinding. That will require costly new rotors in most cases, he says, turning a 0 brake-pad job into a 0 brake and rotor job."Follow the manufacturer's recommended maintenance, and that will definitely save you a lot of money in the long run."Differences between vehicle typesMeantime AAA says some types of vehicles cost a lot more to operate than others.Assuming gasoline at .34 a gallon, AAA says you can expect to pay the following amounts. 1848

What if there was a way to make money, while saving money?An app called Grand claims to do just that, motivating people to save by entering them into a sweepstakes.How does it work?You'll need to link up your bank account to the app.Then, you’ll designate how much money you want to set aside each week.Each dollar gives you an entry into a sweepstakes; you get extra entries if you refer friends or reach certain milestones, like paying off debt.The prize money varies. You could win a prize, or you could win up to ,000. If you wait until October, you could win ,000!But even if you don't win, you are still making some money off your savings.Grand guarantees users a 1% return on their savings.You will, however, need to pay /month to keep your account.So if you do all the math, that means you'll need to keep about ,100 in your account to make it count.If you feel hesitant about linking up your bank account to an app, just know that the app is FDIC insured. 984

What happened to Katie Hill shouldn’t happen to anyone. But, this moment requires more nuance, as Katie Hill’s story - our story - is also one of workplace abuse and harassment.— Rep. Katie Hill (@RepKatieHill) October 7, 2020 235