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Whenever you get vaccinated for the coronavirus, there is a good chance you will need to get two doses of the vaccine. Two types of vaccines are expected to begin being distributed this month and both require two doses 28 days apart.Dr. Anthony Fauci said during a CNN town hall on Friday that the first vaccine is the “prime” vaccine dose, and the second one is a booster. The two vaccines, one from Pfizer and the other Moderna, are expected to receive an FDA emergency use authorization in the coming weeks.Fauci said another vaccine, one produced by Johnson and Johnson, would only require one shot. But Fauci cautioned that the data from that vaccine candidate has not been reviewed. The Moderna and Pfizer vaccines are showing an efficacy of 95%, and both vaccines had a near 100% effectiveness against severe coronavirus cases.While the first shot will offer some protection against the virus, Fauci says that the boost will give Americans “optimal” protection against the virus.“What you have is you get some degree, not optimal, but some degree of immunity a couple of weeks after the first dose,” Fauci said. “That's not optimal. After the second dose, you get optimal immunity anywhere from seven to 10 days after the second dose."As vaccine doses begin to make their way to health care workers and high risk patients, Fauci says it will be important for everyone, even those who are vaccinated, to still wear masks and conduct social distancing. Fauci says that those who are vaccinated could potentially carry the virus, even if they will not become symptomatic.Fauci said that it will take a vast majority of Americans getting vaccinated before the US reaches herd immunity. When the US reaches herd immunity, that is when social distancing measures can be eased, Fauci says. "Even if you're vaccinated, you may be protected against getting sick, but you may not necessarily be protected against getting infections. So you may have some virus in your nasal pharynx. It wouldn't bother you, and maybe it wouldn't even infect anybody else, but it would be there. That's the reason why you can't abandon all public health measures." 2151

With many conferences scrapping fall sports, the NCAA announced that it will postpone all fall Division I championships for 2020 amid the coronavirus pandemic.The decision does not impact the College Football Playoff, although the future of that competition is in question. The announcement, however, impacts athletes from other sports including soccer and women’s volleyball.NCAA President Mark Emmert said that college championships cannot be held as long as 50% of conferences are not participating.Emmert said that his staff has been already looking at ways of ensuring college athletics can move forward with winter and spring sports. Emmert said the NCAA should make it a priority to ensure winter and spring championships in 2021 are played given that the NCAA had to cancel all winter and spring championships in 2020.“I am confident we can do it,” he said. 873

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

When two hijacked passenger planes crashed into the World Trade Center towers on September 11, 2001, a massive cloud of dust swept across the New York skyline.The looming cloud, caused by the twin towers' collapse and the digging in ground zero, carried chemicals and carcinogens such as perfluoroalkyl substances or PFASs, a class of chemicals used to make products stain-resistant, nonstick or waterproof. 415

With no new stimulus bill, many Americans are approaching a financial cliff. Their unemployment benef