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Some first responders worry if current COVID-19 hospitalization numbers do not start falling, the general population looking for care might get turned away.Bed space in intensive care units is not available in several major metropolitan areas around the country, as more COVID-19 patients come in.Last week, 224 ICU beds in the Albuquerque, New Mexico were reported as occupied despite the availability of only 192 within hospitals that reported data to the U.S. Department of Health and Human Services.According to data from HHS, 1 in 3 Americans is living in an area where hospitals have less than 15 percent of available intensive care beds, and 1 in 10 Americans are in an area with less than 5 percent capacity.“It’s scary,” said Maria Pais, an RN Supervisor at University of New Mexico Health. “We’re scared.”Since March, Pais has been helping the hospital convert areas into ICU chambers so it can handle the influx of patients.“Social distance so we can get through this and so we can have the beds we need in this hospital to care for you and your family,” she said.“It takes a toll on everybody, because daily, as we come into work, we never know what we’re going to be doing,” added Patrick Baker, director of the hospital’s Rapid Response Team.“I don’t envy the providers who have to sit there and make the plans for if and when we have to determine who gets care and who doesn’t,” he said.Baker says surgery units have been converted into ICUs as UNMH has reached a point where emergency rooms are now seeing effects as well.“It’s not just affecting COVID patients,” said Baker. “COVID patients coming in is a big deal, but how would you feel if you had to go to the emergency room because you got in a car accident and you weren’t able to be seen?”And the issue is not just affecting people coming into these hospitals but the men and women tasked with keeping them running.“Staff to take care of the patients in the beds is more likely the limiting resource that we have,” said Barclay Berdan, CEO of Texas Health Resources, which oversees the Dallas-Fort Worth area. According to the newest numbers from the Department of Health and Human Services, 93 percent of ICU beds are occupied in the Dallas region, straining the limited number of nurses, doctors, and pharmacists who tend to them.Berdan says it means the need for more trained staff as well as the possibility of transferring patients to hospitals that might have more room, but might be out of the patient’s network.“Wear a mask, wash your hands frequently, stay out of crowds,” he said.It has led these first responders to repeat what we have heard so many times before in an effort to avoid a situation that is worse than the one we are currently in.“There’s a real possibility that you show up somewhere to get care if you get in that car accident, and they say, 'Sorry, we can’t help you,'” said Baker. 2890

Some credit mistakes are a lot worse than others. Little ones, like paying a credit card bill a day late, may cost you a penalty fee, but that’s a relatively minor irritation — it’s not going to stand between you and a mortgage. Other seemingly small slip-ups can lead to full-fledged disasters.What makes a credit mistake haunt you?Some things can be reversed quickly. Running up credit card bills can tank your credit score, for instance, because the portion of your credit limits you’re usingis weighed heavily in credit scoring. But when you pay down the debt, the damage disappears as lower balances get reported to the three major credit bureaus, Equifax, Experian and TransUnion.Mistakes that have long-running ripple effects hurt the most, says credit expert John Ulzheimer. A late payment, for example, can get sent to a collection agency, then perhaps grow into a repossession or bankruptcy. Those batter your credit and stay on your credit record for years. Likewise, co-signing a loan for someone who is later unable to pay can hamstring your finances for a long time.Common mistakes that can hurt your financesMissing a payment: A payment that’s a little late might cost you a penalty fee, but your credit score won’t suffer because creditors can’t report your account as delinquent until it’s 30 days past due. If you have a high score, going 30 days late can knock as much as 100 points off your score — and it stays on your credit report for seven years. The damage gets worse if you let the account slide to 60 days past due, 90 days past due or more. Your score can recover, but it will take time. Catching up on that account, and keeping all other payments up to date and balances low, can help.Raiding retirement funds to pay debt: Most people don’t want to file for bankruptcy. Almost half of Americans say they would not file no matter how much credit card debt they had, according to a recent study commissioned by NerdWallet. Bankruptcy attorney Roderick H. Martin of Marietta, Georgia, says some of his clients have tapped — or even emptied — retirement savings in a desperate attempt to stay afloat. That often just delays the inevitable — “then they turn around and file for bankruptcy,” he says. Retirement savings are typically protected in bankruptcy, but money already withdrawn cannot be recovered.Co-signing a loan: Aaron Smith, a financial planner in Glen Allen, Virginia, says co-signing so a friend or relative can get credit is often a mistake. “My personal and professional opinion is if they can’t get it on their own, there must be a problem,” he says. If the primary borrower doesn’t pay as agreed, it can leave both your relationship and your credit in tatters. Even if the borrower repays as agreed, remaining on the loan can limit your borrowing capacity. Before you co-sign, ask if you can be taken off the loan at some point.Sometimes doing nothing is the mistakeWe may think we’re too busy to trouble ourselves with fine print or financial chores. Either can come back to bite us.Not checking your credit: “I think checking your credit is like going to your dentist for a cleaning,” says Elaine King, a certified financial planner and founder of the Family and Money Matters Institute. “You need to make a habit of doing it. If you wait too long, there can be some rotten stuff there.”A credit report isn’t exciting reading; it’s a summary of your past handling of credit. But “boring” is what you want — anything you didn’t expect to see is worth investigating in case it’s an error or a sign of fraud. Through April 2021, you can get a free credit report weekly from the three major credit bureaus by using AnnualCreditReport.com. Plan to check at least annually, and more often is better.Ignoring the details: Not knowing your credit cards’ interest rates or when a 0% interest rate ends can cost you.Knowing interest rates can tell you which card to use when you’re paying for a new transmission and need to carry that balance for a while, for instance. Knowing when a teaser rate ends can help you ensure you’ve paid off the balance by then. It’s important to read the fine print. Some cards — primarily store cards — charge deferred interest if there is still a balance at the end of the introductory period. That means the “savings” from the teaser rate are added to your balance, wiping out any benefit.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletSmart Money Podcast: Remote Work Burnout and Saving for CollegeI Refinanced My Mortgage. Here’s What Happened to My Credit ScoreA New Set of Shopping Tips in the PandemicBev O’Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. 4739

Sen. Lindsey Graham flew to Arizona this week for a visit with his best friend John McCain that he thought might be his last.McCain, who is suffering from brain cancer, had been hospitalized two weeks ago for a stomach infection and was in very bad shape when Graham was with him."Last time I saw him, he'd just gotten out of surgery and was really worried about him," Graham told CNN in an interview Thursday. "He went through some pretty tough surgery in his weakened condition."But when Graham returned Monday, he said he was pleasantly surprised by the McCain he found."When I got there, [he had] gained weight, [he was] eating good. We watched our favorite western, 'The Man Who Shot Liberty Valence,'" the South Carolina Republican said, adding that McCain provided a running commentary that was "R rated," "but it was fun." 838

South Dakota Gov. Kristi Noem (R) told Fox News' Laura Ingraham on Monday that attendees "won't be social distancing," at a large July 3 event at Mount Rushmore where President Trump is expected to deliver remarks. pic.twitter.com/dzqCNRzZ34— TPM Livewire (@TPMLiveWire) June 30, 2020 297

Some of the COVID-19 vaccine candidates call for more than one shot, so how do we make sure patients come back?Three experts all tell us preparing people for the side effects will be critical.A nursing researcher described those side effects in a JAMA article. She suspects she had the experimental vaccine as part of Pfizer’s Phase III clinical trials.After the second shot, she said she was light-headed, nauseous, had a headache, ran a fever, and was hardly able to lift her arm from muscle aches. She wasn't warned and it scared her into thinking she might have COVID-19.“The immune system is revving up,” said LJ Tan, Chief Strategy Officer at the Immunization Action Coalition. “It's responding to that vaccine, and I think we need to tell our patients that so that they expect that. Otherwise, they're going to say, ‘wow that thing hurt, I'm not coming back for that second dose.’”For comparison, a recent shingles vaccine also requires more than one dose and can be painful. Providers and advocates lead education efforts on what to expect. The return rate after the first shot for shingles is about 80%, which is considered high.One suggestion is to put information on side effects in COVID-19 vaccine distribution kits.The Centers for Disease Control and Prevention (CDC) has already said it plans to include index cards that tell patients what they had and when their next dose is due. That's on top of electronic reminders like email or texts.The federal government has also promised to cover most costs for the vaccine.One doctor says he'd take that a step further.“I feel extremely strongly that we should do everything we can in terms of customized, personalized patient support programs, and even recommend that the federal government go beyond free and provide small rewards or incentives for people who complete the two-dose program,” said Dr. A. Mark Fendrick, Director of the University of Michigan's Center for Value-Based Insurance Design.There's some protection for people who only get one dose of the Pfizer vaccine, but nearly full protection is better. The second dose also boosts antibodies.“That's important because of waning immunity. The higher your antibodies when you start, the longer it takes for that to decrease over time, and potentially make you more susceptible,” said Dr. Gregory Poland, Director of the Mayo Clinic's Vaccine Research Group.That means the best thing is to get both doses as was tested in the study. 2463

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