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Americans are trying to form better financial habits in light of the recession, building emergency savings and paying down debt.However, many are finding savings accounts are now returning next to nothing in interest. That's because of the Federal Reserve's decision to keep interest rates low.Rates that were over 2.5% a year ago are down to under 1% now. But there are some other accounts that can get you a better return.“Something known as a rewards checking account might be a better option,” said Greg McBride, Chief Financial Analyst at Bankrate.com. “These are accounts that typically pay higher yields, higher than even online savings accounts, you might find 1.5, 2, 2.5%, but you have to meet certain qualifications each month to earn that deal.”Rewards checking accounts typically are offered by smaller community banks and credit unions. They usually come with monthly requirements though, like direct deposit, online bill pay, enrolling in e-statements, and using your debit card a certain amount of times. But those are things many people already use.In terms of saving versus paying down debt now, experts say to save.“That's really critical. No one knows what’s going to happen down the road in terms of jobs or income, so having some money put away will help you sleep at night,” said McBride.Just to give you an idea, you could make by saving around ,000 a year at 3% interest rate, which a rewards account might pay.That’s compared to just 60 cents in an average savings account, which only has about a .06% interest rate. 1556

Anyone scared of snakes on the ground may not want to read this story — because the reptiles are also in the sky.The paradise snake, which is native to south and southeast Asia, has been known to scientists for some time. But they never really understood how the species — and others like it — are able to glide through the air.Researchers at Virginia Tech conducted controlled tests with the snakes in an indoor environment. They discovered that the undulating motion the snakes exhibit while gliding stabilizes them, which allows them to fly further. Previously, researchers thought the snakes' movements in the air were the same movement they used when slithering on the ground.Now, researchers say they want to learn how the snakes generate lift and how they can turn in the air.Luckily, while the paradise snake is poisonous, its venom is weak compared to other species. Like almost all snakes, the paradise snake is considered harmless to humans. 960

As coronavirus rates rise in most parts of the country, many testing centers are inundated with new patients. Recently, the U.S. Food and Drug Administration (FDA) announced the authorization of a brand new rapid COVID-19 test that people can take themselves at home."I think that it’s better to have a faster test than a slower one. People tend to abide by the public health recommendation to self-isolate if they have actual data in a reliable timeframe. The danger is that we’re asking people to do this at home. It's not in a controlled setting like a laboratory," says Dr. Amber Schmidtke, a public health microbiologist.Dr. Schmidtke says there are still questions about how this new rapid at-home test will be interpreted by health officials."I actually don't expect them to report it. I would be surprised. You know, most people don't report a home pregnancy test to our Department of Public Health, for example. But I think this is going to be treated much in the same way as a home pregnancy test. You know, if you call your doctor and say, 'I tested positive at home,' they're going to repeat that test as soon as you come in," says Dr. Schmidtke.The test, which a doctor will have to prescribe, will provide valuable information to people, as long as it is administered correctly."What if they don't do it very well? You have to put it in your nose and rub it around both nares. You have to put it in, swirl it around 15 times. You have to let it sit there for 30 seconds. You have to know which button to read. There's lots of things that can go wrong and so if the test is misunderstood and you don't have a professional looking over your shoulder, it could result in some unfortunate things," says Dr. Stuart Ray, a professor at Johns Hopkins University and infectious disease expert.Dr. Ray hopes people will use the test correctly so that it really does help prevent COVID-19 transmission in the community."What if they use that to decide that they're now negative after exposure so therefore it's safe to go out before their isolation or quarantine ends. And the problem is, they're still in the incubation period so the test is negative but in fact they’re infected," says Dr. Ray.Dr. Ray says it will take time to understand how the test works, but it's exciting to have a new tool for the general public to use. 2340

ARLINGTON, Texas (AP) — Los Angeles Angels pitcher Tyler Skaggs died Monday at the age of 27, stunning Major League Baseball and leading to the postponement of the team's game against the Texas Rangers.Skaggs was with the team in Texas when he was found unresponsive in his hotel room. He was pronounced dead at the scene. Police said they are investigating, but no foul play is suspected at this time.Skaggs was "an important part of the Angels Family," the team said in a statement. "Our thoughts and prayers are with his wife Carli and his entire family during this devastating time."Skaggs had been a regular in the Angels' starting rotation since late 2016, when he returned from Tommy John surgery. He struggled with injuries repeatedly over the past three seasons, but persevered to become a valuable starter in Los Angeles' injury-plagued rotation.The left-hander had just pitched on Saturday, allowing two runs in 4 1/3 innings in a 4-0 loss to Oakland.Baseball Commissioner Rob Manfred said he was "deeply saddened" by Skaggs' death."We will support the Angels' organization through this most difficult period, and we will make a variety of resources available to Tyler's teammates and other members of the baseball family," Manfred said in a statement.Skaggs was born in the Los Angeles neighborhood of Woodland Hills, in the far western part of the sprawling San Fernando Valley. He graduated from Santa Monica High School in 2009, when the Angels drafted him in the first round.The Angels traded Skaggs to Arizona in 2010, and he started his big-league career with 13 appearances over two seasons for the Diamondbacks. The Angels reacquired him in December 2013, and he has won 25 games over five seasons with the club.Skaggs started a career-high 24 games last season, going 8-10 with a 4.02 ERA. He missed playing time in April this season with a sprained ankle, but came back strong.Skaggs was part of the same Angels draft class as Mike Trout, and they were roommates in the low minor leagues before Skaggs was traded to Arizona. They played on the same team in Cedar Rapids, Iowa, in 2010.Skaggs' mother, Debbie, was the longtime softball coach at Santa Monica High School. She famously provided postgame tips on his pitching mechanics, even deep into his big-league career.Skaggs grew up in Santa Monica, on the west side of the sprawling Los Angeles metroplex, but rooted for the Angels instead of the closer Dodgers. 2445

American Airlines is dropping flights to 15 U.S. cities in October when a federal requirement to serve those communities expires. American said Thursday that it would consider other changes unless the federal government provides more money to the embattled airline industry. The airline company said the suspensions would go in effect on Oct. 7. For now, they are only in place for the October period, which runs through Nov. 3.The decision appears designed to put pressure on Congress and the Trump administration to approve another billion in relief for passenger airlines, which have seen traffic plummet during the coronavirus pandemic. American has already received .8 billion and has applied for an additional federal loan of .9 billion. 759

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