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Even with millions of unemployed Americans amid the worst pandemic to hit the US in a century, the Dow Jones Industrial Average has nearly fully recovered from its record-high levels in February.For the first time since Feb. 20, the Dow Jones closed above 29,000 on Wednesday, finishing the day at 29,100.The Dow Jones has historically had a 7% growth rate a year, and it’s possible the Dow could still finish the year on track. That comes after the Dow bottomed out in March at 18,591.While the Dow Jones has seen a recovery, many Americans are still feeling the pinch from the coronavirus. The unemployment rate remains above 10%, which is more than double the pre-pandemic unemployment rate.The economic news has continued to be dire as major companies, such as MGM and United Airlines are planning on furloughing or laying off employees.Whether the economic woes on Main Street eventually affect Wall Street remains to be seen, but President Donald Trump took credit on Wednesday for the Dow Jones’ figures. 1019

Experts say those feeling the pain of the financial crisis the most are millennials. The generation has missed major milestones that past generations enjoyed in their 30’s and 40’s as a result of dealing with two major financial crises over the past decade.However, it may not be all gloom and doom for millennials. The economic cycles the generation has experienced early on could lead them to understand the economy and markets better, potentially leveraging that to greater future gains.Many millennials graduated and entered the workforce during the 2008 Great Recession. They were just hitting their prime, and then, this pandemic and a second major financial crisis hit.“It just feels not only like we can’t catch a break, but we can’t even get started without something coming along and taking away a lot of what we worked for,” said Erin Lowry.Erin Lowry is an author and wrote the books “Broke Millennial” and “Broke Millennial Takes on Investing”.“The big thing to consider for your financial future is this will be temporary,” said Lowry. "We are going to get through this just like we got through ’08.”Surveys conducted by the Urban Institute show at least 1 in 3 millennials are struggling financially right now, and millennials as a whole have less acclimated wealth at this stage in life than the prior generation. To change that, even during this recession, Lowry believes there are a few key things millennials can do.“You do want to think about doing, and I hesitate to say it like this, but the least damage currently,” said Lowry.She recommends minimizing the amount of debt you may need to take on to get through this economic downturn. Also, protect your credit scores as much as possible by making on-time payments.Pay the minimum if needed or contact your lenders to work out agreements that will not show missed payments on your credit report. In the future, you’ll want a healthy credit score to be able to qualify for mortgage loans or auto loans at a lower interest rate.Lastly, try to still contribute to your retirement plan even if it’s a little bit. If you are in a position where every penny counts right now, think about a time in the near future when you can start to again invest. That is important because, historically, the market will rebound.To recover on a better financial footing, you want to buy when the market is low, or down, and reap the gains as the economy recovers.“After 2008, we went on to have one of the longest bull runs in stock market history,” said Lowry. "We don’t know what is going to happen after the coronavirus recession, but you don’t want to miss out on potentially huge returns.”The possible advantage of going through two recessions early in life may be a better understanding of the economy and a stronger desire to understand the market, along with learning how to use the downturn as an opportunity for future gains. 2896

Experts say the finalization of a COVID-19 vaccine is in our near future. Dr. William Moss is a professor of epidemiology and the executive director of the International Vaccine Access Center at the Johns Hopkins Bloomberg School of Public Health.“Remarkable progress has been made in the development of COVID-19 vaccines,” Dr. William Moss said.He says it typically takes five to 10 years to develop a vaccine, but with so much money and attention going toward COVID-19, he believes it’s likely we’ll have a vaccine by the end of the year.“I’m pretty confident that there will be a vaccine that will have an emergency-use authorization in the United States by the end of 2020,” Dr. Moss said.According to Dr. Moss, of the dozens if not hundreds of vaccine candidates in clinical trials, there are three vaccine candidates that have reached phase three. Phase three is when tens of thousands of volunteers test the vaccine to make sure it’s safe and effective.As of this week, we have optimistic news regarding phase-three efficacy results from biopharmaceutical company Pfizer – which has been collaborating with German company BioNTech.“Early preliminary results suggests that their vaccine is 90% or so effective in preventing mild to moderate or severe disease.”If the 90% efficacy data holds up after follow ups from participants in late November, Dr. Moss says he expects the FDA will rigorously review the data and approve the vaccine for distribution. That means health care workers and other high-priority groups would get the vaccine in December of this year, or early next year.“Pfizer says that they could have close to 50 million doses by the end of this year," Dr. Moss said. "Now remember their vaccine – as a number of the vaccine candidates do – requires two doses per individual. So, 50 million doses allows you to vaccinate about 25 million people.”Dr. Moss says the unprecedented investment in vaccine manufacturing will make it possible for the vaccine to be distributed so quickly. However, there are still quite a few logistical challenges since he says the Pfizer vaccine requires extreme cold temperatures as low as minus 117 degrees Fahrenheit.“So we need warehouses to store the vaccine that have freezers that can maintain that cold, we need transportation systems – planes, trucks – that can deliver the vaccine and keep it cold. And then at the site of distribution, we need to be able to keep these vaccines cold.”Therefore, he says it will likely take a lot longer for the general population to get the vaccine. He’s guessing not until the middle of 2021. Of course, the idea of saving lives with the help of a vaccine is very promising, but he says the greatest misconception is that we can go back to "normal" as soon as it’s distributed.“That by no means is going to indicate that we can go back to our pre-pandemic life," Dr. Moss said. "We will not know whether these vaccines stop transmission and we’re going to still need to wear masks, to wash our hands and physically distance even when vaccines become available.”Time and patience will be vital as we wait to see the long-term impacts of the vaccine in this pandemic. 3168

Experts say the finalization of a COVID-19 vaccine is in our near future. Dr. William Moss is a professor of epidemiology and the executive director of the International Vaccine Access Center at the Johns Hopkins Bloomberg School of Public Health.“Remarkable progress has been made in the development of COVID-19 vaccines,” Dr. William Moss said.He says it typically takes five to 10 years to develop a vaccine, but with so much money and attention going toward COVID-19, he believes it’s likely we’ll have a vaccine by the end of the year.“I’m pretty confident that there will be a vaccine that will have an emergency-use authorization in the United States by the end of 2020,” Dr. Moss said.According to Dr. Moss, of the dozens if not hundreds of vaccine candidates in clinical trials, there are three vaccine candidates that have reached phase three. Phase three is when tens of thousands of volunteers test the vaccine to make sure it’s safe and effective.As of this week, we have optimistic news regarding phase-three efficacy results from biopharmaceutical company Pfizer – which has been collaborating with German company BioNTech.“Early preliminary results suggests that their vaccine is 90% or so effective in preventing mild to moderate or severe disease.”If the 90% efficacy data holds up after follow ups from participants in late November, Dr. Moss says he expects the FDA will rigorously review the data and approve the vaccine for distribution. That means health care workers and other high-priority groups would get the vaccine in December of this year, or early next year.“Pfizer says that they could have close to 50 million doses by the end of this year," Dr. Moss said. "Now remember their vaccine – as a number of the vaccine candidates do – requires two doses per individual. So, 50 million doses allows you to vaccinate about 25 million people.”Dr. Moss says the unprecedented investment in vaccine manufacturing will make it possible for the vaccine to be distributed so quickly. However, there are still quite a few logistical challenges since he says the Pfizer vaccine requires extreme cold temperatures as low as minus 117 degrees Fahrenheit.“So we need warehouses to store the vaccine that have freezers that can maintain that cold, we need transportation systems – planes, trucks – that can deliver the vaccine and keep it cold. And then at the site of distribution, we need to be able to keep these vaccines cold.”Therefore, he says it will likely take a lot longer for the general population to get the vaccine. He’s guessing not until the middle of 2021. Of course, the idea of saving lives with the help of a vaccine is very promising, but he says the greatest misconception is that we can go back to "normal" as soon as it’s distributed.“That by no means is going to indicate that we can go back to our pre-pandemic life," Dr. Moss said. "We will not know whether these vaccines stop transmission and we’re going to still need to wear masks, to wash our hands and physically distance even when vaccines become available.”Time and patience will be vital as we wait to see the long-term impacts of the vaccine in this pandemic. 3168

ENCINITAS, Calif. (KGTV) - The bluffs that collapsed in North San Diego County Friday, killing three people, are a known trouble spot to a local geologist.Former San Diego State University professor Dr. Pat Abbott has led several geology field trips to Grandview Beach to point out unstable cliffs. Abbott described the cliff as a “solid mass of sand grains cemented together” that suddenly gave way on a sunny and warm afternoon. Waves erode the shoreline in addition to groundwater that seeps into the bluffs, leaving behind white streaks of salt and creating cracks, Abbott said. RELATED: Three dead, two others injured in north San Diego County bluff collapseHe said the beachgoers who were beneath the cliffs wouldn’t have had time to escape. “By the time you hear it, that means it’s broken and it’s on the way; you don’t have time to react and leave,” said Abbott. He recommends anyone who visits the beach to stay away from the bluffs for safety.RELATED: INTERACTIVE MAP: Recent San Diego County bluff collapsesHe also says walls may not be the answer to protect beachgoers. “Walls don’t solve the problem, they push it into the future,” Abbott said. 1166