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New spikes in COVID-19 cases have reinforced the importance of basic disinfecting and cleaning our homes to stop the novel coronavirus spread.But how do we know that the cleaners we have are effective in killing COVID-19 and other viruses?"One of the things that's important to know: Is there is a lot of good evidence that the coronavirus is one of the easiest types to kill?" said Texas A&M University - Corpus Christi Associate Professor of Chemistry Dr. Patrick Larkin.Yes, he said. He believes most household cleaners will destroy the virus.He said the best chemicals to use for disinfecting are, bleach, ammonia, and alcohol. However, he does warn that precautions be taken with alcohol concentrations."For example with isopropyl alcohol, you need at least a 50 percent solution; and ethanol [or ethyl] alcohol, you want at least 60 percent," he said.But, take note -- there also are guidelines for how you should clean, so it can be the most effective."CDC guidelines say you should clean the surface with soap and water first, and then apply your sanitizing or disinfectant solution," said retired Certified Industrial Hygienist Tom Samson. "Leave it on for at least one minute, and then you can rinse it off."Samson said not all household cleaners are the same, and do not have the same contact-surface time that is required. He recommends reading the labels of the cleaner you intend to use.Larkin and Samson said it is easy to make your own cleaners at home. However, be cautious about mixing chemicals, and be aware what you are cleaning with."The chemistry of mixing a chlorine-based cleaner with an ammonia-based cleaner can be deadly to those in the immediate area," said Samson. "The reaction of these two cleaners is to release chlorine products into the surrounding environment, in some cases, enough to cause severe injury or death. People need to know to get out of the area if this reaction happens and take their kids and pets with them!"Samson notes the Environmental Protection Agency also has a list of cleaners that will kill the novel coronavirus.This story originally reported by Chelsea Torres on kristv.com. 2149

New payment options are popping up in your online shopping cart.There's been an explosion of retailers, including Amazon and Target, adding buy now, pay later options.“In general, I'm not a huge fan of these services really, because I'm worried about any sort of consumer debt,” said Ted Rossman, a financial expert at Bankrate. “And if you don't really have the money to pay for it today, but you think you'll have it in six weeks, that's a slippery slope.”Rossman says point-of-sale apps have seen triple digit growth over the holiday season.They typically require a payment up front and a few more payments spread out over six weeks or so. If you pay on time, usually there's no interest or fees.Rossman says research has found that almost half of buy now, pay later customers have paid late at some point, mainly because they were disorganized.Stores like them for several reasons, including because they tend to get people to spend more.“They also like the potential loyalty and big data play that they can actually learn a lot about their customers, and they work very closely with a lot of these services,” said Rossman.Most buy now, pay later lenders typically do a soft credit check. They won't typically help you build credit, but they could hurt your credit if you pay late because they will report that.“I just think that's a little bit short sighted, because if you use a credit card and are paying full, you avoid interest, but you get better promotions, you get rewards, you get better buyer protections,” said Rossman.Rossman says these options are appealing even to people who have credit, because of their predictability.He thinks we will see more of these with retailers not being able to push store credit cards as much with fewer in person shoppers. 1778

NEW YORK (AP) — As employees of small businesses get their first September paychecks, they’re probably receiving their usual amount.Company owners are still withholding money for Social Security despite a presidential order allowing the tax to be deferred. The order President Donald Trump signed Aug. 8 allows employers to stop withholding the 6.2% tax from Sept. 1 through Dec. 31 and requires that it be paid between Jan. 1 and April 30 of next year. But business owners are wary, saying the plan opens up the possibility that companies might ultimately have to pay the tax if staffers leave. 603

Nine undocumented immigrants were detained Thursday after a small panga boat landed in Laguna Beach, California, according to police.Seven people who came off the boat were detained, the Laguna Beach Police Department said, in addition to 2 drivers who were in what police described as "take-away" vehicles waiting to pick the migrants up.All 9 are undocumented, according a spokesman for the US Customs and Border Patrol, and their countries of origin are unknown.A panga is a boat often used for working off the coast of Mexico or Central America, according to the US Coast Guard. The engine-powered vessels are typically 25 to 45 feet long.They're also popular for smuggling, according to Theron Francisco, a border patrol spokesman.Laguna Beach police said there were actually a total of 13 individuals who came ashore in the boat. The department shared a video on its Twitter page that appeared to be shot from a nearby balcony, showing the group pulling the panga boat out of the surf before making their way up the beach.Similar incidents played out in the area earlier this year.On June 19, another panga boat came ashore in Crystal Cove State Park, just north of Laguna Beach, police said in a press release at the time. Four men were detained by CBP following a multi-agency search of the area, Laguna Beach police said.And in May, 10 undocumented immigrants were arrested after their panga boat came ashore in La Jolla outside San Diego, according to CNN affiliate KGTV.Thursday's detentions took place as thousands of Central American migrants seeking asylum in the United States are waiting in the Mexican border city of Tijuana. 1680

NHL, NHLPA agree on opening date for formal training camps. https://t.co/35lF9nEob0 pic.twitter.com/l6W4VLXVYv— NHL Public Relations (@PR_NHL) June 11, 2020 164

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