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For the first time, the FDA has authorized coronavirus tests that can be sold directly to Americans who do not have to go through a health care provider.An emergency use authorization is not a full approval from the FDA, but allows the tests to be used in a non-clinical or non-hospital setting.The LabCorp’s Pixel COVID-19 Test Home Collection Kit can be used by any adult age 18 or over. The test kit allows individuals to take a nasal swab at home and send the sample to LabCorp for testing.Those who test positive will receive a call from a health care provider. Negative tests are delivered via an online portal or through email.The FDA says that the tests can be purchased online or in stores, and can help people determine whether they need to quarantine.“This is the first kit for consumers to self-collect a nasal sample for COVID-19 in their home that does not require a prescription,” said Jeff Shuren, M.D., J.D., director of FDA’s Center for Devices and Radiological Health. “While many home collection kits can be prescribed with a simple online questionnaire, this newly authorized direct-to-consumer collection kit removes that step from the process, allowing anyone to collect their sample and send it to the lab for processing.”The company says the out of pocket cost is 9 for those who do not have the test covered by insurance. The tests take one to two days to process, once received via FedEx.“With the first over-the-counter at-home collection kit ever authorized by the FDA for COVID-19, we are empowering people to learn about their health and make confident decisions,” said Dr. Brian Caveney, chief medical officer and president of LabCorp Diagnostics . “With this authorization, we can help more people get tested, reduce the spread of the virus and improve the health of our communities.” 1828

For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

FedEx said Monday they are planning to hire 70,000 seasonal workers as they head into the holidays.In a hiring statement on its website, the shipping company said most of those hired for its "peak season" would be added to its FedEx Ground network."As our team of more than 500,000 team members is busy preparing to deliver the holidays, we once again expect to see a large number of packages traverse our global network over the 2020 peak holiday shipping season," FedEx said. "In order to provide the best possible service during this busy time of the year, FedEx is increasing hours for some existing employees and boosting our workforce with seasonal positions, as needed." The Memphis-based company added that it expanded FedEx Ground’s year-round Sunday residential coverage to nearly 95% of the U.S. population, which went into effect Sunday. 857

Former Democratic presidential candidate Hillary Clinton sent mixed messages when she said she did not want to run for president again, but after hesitating she added that she would like to be president someday.When asked by tech magazine Recode's Kara Swisher at a taping Friday of the Recode Decode podcast whether she wanted to run for president again, Clinton said, "No, no."But after a pause and some prodding from Swisher, Clinton said, "Well, I'd like to be president.""I think, hopefully, when we have a Democrat in the Oval Office in January of 2021, there's going to be so much work to be done," she elaborated, later adding, "The work would be work that I feel very well prepared for, having been at the Senate for eight years, having been a diplomat in the State Department, and it's just going to be a lot of heavy lifting."When Swisher asked whether Clinton would be doing that heavy lifting, Clinton replied, "Oh, I have no idea. ... I'm not even going to even think about it till we get through this November 6 election about what's going to happen after that."Swisher tweeted Monday morning that Clinton seemed to mean she would have preferred to win the presidency in 2016, not that she planned to pursue it again."Tweeps, simmer down!" Swisher tweeted. "While it perhaps sounded like @HillaryClinton refused to rule it out, my take is she was basically implying she wishes she were president but doesn't relish running again." 1468

For the first time since March, one of the five major team sports leagues in the US welcomed fans into the stands.FC Dallas welcomed nearly 3,000 fans to its 20,000-seat venue on Wednesday.Before the start of the game, the national anthem was played. During the anthem, both Dallas’ and Nashville’s starting lineups knelt as a smattering of fans booed.The teams knelt in support of Black Lives Matter, and in opposition to racial inequality. The on-field protests are akin to the demonstrations by former NFL quarterback Colin Kapernick in 2016.While kneeling during the anthem has become common place in the NBA, the MLS did not have the national anthem performed during its mid-summer tournament in Orlando because no fans were in attendance.The MLS has said that the national anthem will only be performed if there are fans in attendance. As the MLS shifts from playing its games in a “bubble” in Orlando to teams’ home stadiums, some clubs will begin allowing a number of fans inside.One FC Dallas player spoke out, frustrated by the response from fans.“You can’t even have support from your own fans in your own stadium. It’s baffling to me,” FC Dallas’ Reggie Cannon told reporters. “As a team we try to give the best possible product on the field and these last six months have been absolute hell for us. Absolute hell.”But Cannon’s club said it supports the opinions of those who disagree.“FC Dallas supports our players and fans in their right to express themselves in a peaceful manner,” the club said in a statement. “The National Anthem was played before last night's match while the players were on the field which Major League Soccer requires when fans are in attendance. While we understand the decision to stand or kneel for the National Anthem is a polarizing issue, we hope that FC Dallas can be a leader in helping our community accept diverse viewpoints in a respectful way as we all work together in the ongoing fight for racial equality.” 1968