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With Congress unable to agree on another stimulus package, the CARES Act may have been the only chance for many to get an economic impact payment or stimulus check. However, millions of people still haven’t received that check.The Internal Revenue Service (IRS) estimates roughly 9 million people are still owed at least ,200. The Center for Taxpayer Rights estimates another 2 to 3 million people are entitled to and have been fighting to get the 0 for each of their eligible dependents.“There is a whole combination of factors for why people have not received their checks,” said Nina Olsen, the Executive Director for The Center of Taxpayer Rights.One reason some have not gotten their checks is because they did not file a 2018 or 2019 tax return, and they have not gone to the IRS’s “Non-Filer Portal,” which is located on the home page of the IRS’s website.So now, after 5 months, the IRS is sending letters to 9 million people in that category. The IRS has been able to identify who still qualifies for a check, but hasn’t received it, by sorting through its records and checking W-2 forms and 1099s.Those forms also have the non-filer’s address information, and that is the address the IRS is using for the new letters. The letters will inform these non-filers they are still eligible to get a stimulus check under the CARES Act and the steps they need to take to get that money. The steps are simple, either go to the IRS’s website and fill out the non-filer form or file a tax return.“It is also really important that people realize that if they use the non-filer portal they won’t be able to claim the earned income credit and many of these people may be eligible for the earned income credit,” said Olsen. “Those people need to file a regular return rather than use the non-filer portal and I don’t think the IRS has done a really good job of telling people that.”The earned income tax credit (EITC), typically earned by those who have dependent children, can be worth up to ,000. If you fill out the non-filer form in the IRS’s portal but later learn you qualified for additional money from the EITC, you could potentially lose the money from EITC.Outside of the 9 million non-filers getting a letter from the IRS, the 2 to 3 million people still eligible for 0 per dependent are getting a second chance at more CARES Act stimulus money.“Social Security Retirees and disabled people, it gave them less than 48 hours to go online if they had children. That meant they could get an additional 0 and enter that on the non-filer portal. Well a lot of these folks don’t have online access,” said Olsen. "It actually took a lawsuit that is still in the process of being settled for the IRS to reopen the portal.”Those still eligible to claim dependents have until the end of September to claim them through the IRS’s non-filer portal. The 9 million non-filers have until October 15 to take their necessary action. 2941

Whether you’re planning a trip to a country across the globe or packing the car for a weekend road trip to a local campground, you can have a debt-free vacation with some careful planning.It’s easy to see how a vacation can blow up even the most carefully planned budget: In NerdWallet’s 2018 Summer Spending Report, parents surveyed by Harris Poll planned to charge an average of ,019 to credit cards for summer vacations.To ease the stress of a vacation on your budget, start with a clear idea of your trip’s scope — identifying expenses from the time you leave your home to the moment you return — and create a realistic spending limit. Then get creative to trim costs along the way. 701

With a coronavirus vaccine still months off, companies are rushing to test what may be the next best thing: drugs that deliver antibodies to fight the virus right away, without having to train the immune system to make them.Antibodies are proteins the body makes when an infection occurs; they attach to a virus and help it be eliminated. Vaccines work by tricking the body into thinking there’s an infection so it makes antibodies and remembers how to do that if the real bug turns up.But it can take a month or two after vaccination or infection for the most effective antibodies to form. The experimental drugs shortcut that process by giving concentrated versions of specific ones that worked best against the coronavirus in lab and animal tests.“A vaccine takes time to work, to force the development of antibodies. But when you give an antibody, you get immediate protection,” said University of North Carolina virologist Dr. Myron Cohen. “If we can generate them in large concentrations, in big vats in an antibody factory ... we can kind of bypass the immune system.”These drugs are believed to last for a month or more and could give quick, temporary immunity to people at high risk of infection, such as health workers and housemates of someone with COVID-19. If they proved effective and if a vaccine doesn’t materialize or protect as hoped, the drugs might eventually be considered for wider use, perhaps for teachers or other groups.They’re also being tested as treatments, to help the immune system and prevent severe symptoms or death.“The hope there is to target people who are in the first week of their illness and that we can treat them with the antibody and prevent them from getting sick,” said Dr. Marshall Lyon, an infectious disease specialist helping to test one such drug at Emory University in Atlanta.Having such a tool “would be a really momentous thing in our fight against COVID,” Cohen said.Vaccines are seen as a key to controlling the virus, which has been confirmed to have infected more than 20 million people worldwide and killed more than 738,000. Several companies are racing to develop vaccines, but the results of the large final tests needed to evaluate them are months away.The antibody drugs are “very promising” and, in contrast, could be available “fairly soon,” said Dr. Janet Woodcock, a U.S. Food and Drug Administration official who is leading government efforts to speed COVID-19 therapies. Key studies are underway and some answers should come by early fall.One company, Eli Lilly, has already started manufacturing its antibody drug, betting that studies now underway will give positive results.“Our goal is to get something out as soon as possible” and to have hundreds of thousands of doses ready by fall, said Lilly’s chief scientific officer, Dr. Daniel Skovronsky.Another company that developed an antibody drug cocktail against Ebola — Regeneron Pharmaceuticals Inc. — now is testing one for coronavirus.“The success with our Ebola program gives us some confidence that we can potentially do this again,” said Christos Kyratsous, a Regeneron microbiologist who helped lead that work.Regeneron’s drug uses two antibodies to enhance chances the drug will work even if the virus evolves to evade action by one.Lilly is testing two different, single-antibody drugs — one with the Canadian company AbCellera and another with a Chinese company, Junshi Biosciences. In July, Junshi said no safety concerns emerged in 40 healthy people who tried it and that larger studies were getting underway.Others working on antibody drugs include Amgen and Adaptive Biotechnologies. The Singapore biotech company Tychan Pte Ltd. also is testing an antibody drug and has similar products in development for Zika virus and yellow fever.“I’m cautiously optimistic” about the drugs, said the nation’s top infectious diseases expert, Dr. Anthony Fauci. “I’m heartened by the experience that we had with Ebola,” where the drugs proved effective.What could go wrong?— The antibodies may not reach all of the places in the body where they need to act, such as deep in the lungs. All the antibody drugs are given through an IV and must make their way through the bloodstream to wherever they’re needed.— The virus might mutate to avoid the antibody — the reason Regeneron is testing a two-antibody combo that binds to the virus in different places to help prevent its escape.Skovronsky said Lilly stuck with one antibody because manufacturing capacity would essentially be cut in half to make two, and “you will have less doses available.” If a single antibody works, “we can treat twice as many people,” he said.— The antibodies might not last long enough. If they fade within a month, it’s still OK for treatment since COVID-19 illness usually resolves in that time. But for prevention, it may not be practical to give infusions more often than every month or two.A San Francisco company, Vir Biotechnology Inc., says it has engineered antibodies to last longer than they usually do to avoid this problem. GlaxoSmithKline has invested 0 million in Vir to test them.Giving a higher dose also may help. If half of antibodies disappear after a month, “if you give twice as much, you will have two months’ protection,” Lilly’s Skovronsky said.— The big fear: Antibodies may do the opposite of what’s hoped and actually enhance the virus’s ability to get into cells or stimulate the immune system in a way that makes people sicker. It’s a theoretical concern that hasn’t been seen in testing so far, but large, definitive experiments are needed to prove safety.“As best as we can tell, the antibodies are helpful,” Lyon said.___Marilynn Marchione can be followed on Twitter: @MMarchioneAP___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content. 5919

WILMINGTON, Del. – During a year-end address, President-elect Joe Biden warned that country is far from emerging from the coronavirus crisis.“Our darkest days in this battle against COVID are ahead of us, not behind us. So, we need to prepare ourselves and steel our spines,” said Biden in Wilmington on Tuesday. “As frustrating as it is to hear, it’s going to take patience and persistence and determination to beat this virus. There will be no time to waste in taking the steps we need to turn this crisis around.”Watch Biden's speech below:During his speech, Biden spoke about the 0 billion COVID-19 relief bill that Congress approved Monday and is awaiting President Donald Trump’s signature. He said the bill is a good next step, but more funding will be needed in the coming year.“I have said all along, this bill is just a first step — a down payment — on addressing the crisis we’re in. We have a lot more work to do,” said Biden.Biden also took the chance to express sympathy for the many American families who are struggling financially and emotionally as they celebrate the holidays in isolation amid the global pandemic.“With over 320,000 lives lost to this virus, Jill and I send our prayers to all of you facing this dark winter with an empty seat at the dinner table where your loved one used to sit, talk, and laugh,” said Biden. “Our hearts go out to all of you who have fallen on hard times through no fault of your own, unable to sleep at night, weighed down with the worry of what tomorrow will bring for you and for your family.”Like for Thanksgiving, the Centers for Disease Control and Prevention (CDC) is encouraging people to celebrate the end of year holidays at home with the people you live with. Gatherings with family and friends who do not live with you can increase the chances of getting or spreading COVID-19 or the flu.“Like we did over Thanksgiving, we all have to care enough for each other that we have to stay apart just a little longer,” said Biden. “I know it’s hard, but we have a long way to go.”Biden also encouraged Americans to continue taking the necessary precautions to prevent the spread of the coronavirus as the nation ramps up its vaccination efforts.“We need everyone to mask up, stay socially distant, and avoid large gatherings,” said Biden. “And we need to work in a bipartisan way. That’s the only way we’ll get through this.”Biden himself received his initial dose of Pfizer’s COVID-19 vaccine on Monday, shortly after his wife did as well. He joined a growing list of officials who have publicly been vaccinated to show confidence in the vaccination process.During his remarks, Biden said he has “absolute confidence in the vaccine,” but the country is short on supply. He explained that vaccinating millions of people will be a logistical challenge.“Taking the vaccine from a vial and into the arms of millions of Americans will be the biggest operational challenge we’ve ever faced. It will take many more months for that to happen,” said Biden. “In the meantime, the pandemic rages on.”Early next year, Biden said he will put his plans for what’s to come before the Congress. He said we will need more help to fully distribute the vaccine, to reopen our schools, to help our front-line workers, and to make sure those struggling to make ends meet are taken care of.On his day in office, Biden says he will enact masking requirements, a new strategy on testing, and work on accelerated production of protective gear.Biden also discussed the recent cyber security breach against U.S. companies and federal agencies. He blamed the Trump administration for failing to prioritize cyber security“From eliminating and/or downgrading cyber coordinators at both the White House and the State Department, to firing his Director of the Cybersecurity and Infrastructure Security Agency, to President Trump’s irrational downplaying of the seriousness of this attack,” said Biden. “In an age when so much of our lives are conducted online, cyber attacks must be treated as a serious threat by our leadership at the highest levels.”Biden said he believes we must treat cyber threats with the same seriousness of purpose that we treated the threat of other unconventional weapons.“We must work with our allies to establish clear international rules and mechanisms to enforce them and consequences for those that violate them,” said Biden.After his remarks, Biden took questions.When asked about the potential for more direct payments, Biden said his plan will include a new round of stimulus checks for the American people, but the amount is a “negotiating issue.”Regarding his choice for attorney general, he said he’s still trying to determine who will serve in that role and that “there’s not an obvious choice in mind.”When asked if he would announce his 2024 bid early to show he's not going to be a lame duck president, Biden said, "I'm not going to be a lame duck. Just watch me. Just watch me." 4960

When it comes to educating America's children, how much of a difference could million make? Could it send a second grader on a school trip to the museum, or provide updated equipment to a class of budding scientists?It can. In fact, it can do it 35,647 times.Ripple, a cryptocurrency and international payment company, has donated million in cryptocurrency to DonorsChoose.org, a donation platform that connects people to classroom needs across the country. With the money, Donors Choose was able to fulfill every single classroom project request on its site -- 35,647 requests in all, from 28,210 teachers at 16,561 public schools."It's fair to say there's never been a day that this many classroom dreams have come true," Donors Choose founder Charles Best told CNN.The Colbert bumpThe massive donation is the culmination, or grand finale, if you will, of the site's #BestSchoolDay project. Two years ago, Stephen Colbert, who is a member of the Donors Choose board of directors, announced he was going to pay for every school project request in his home state of South Carolina.His act of kindness set off a movement that became known as #BestSchoolDay."More than 50 actors, athletes and philanthropists were inspired to fund classrooms in their states," Best told CNN. "Together, those 50-plus people gave more than million, and to use, that represented the idea of a best school day."Best says the response has been overwhelming -- in a good way."An outpouring of joy would not be an overstatement," he said.The Ripple effectBest says when the organization connected with Ripple, the cryptocurrency management company was "inspired to think of the impact" of such a significant gift."At Ripple, we care about giving back to our community and we collectively value the importance of quality education in developing the next generation of leaders," Ripple's SVP of Marketing Monica Long said in a statement."DonorsChoose.org's track record speaks for itself — they are highly effective at improving the quality of education and the experience of teachers and students across America. We're proud to work with them to support classroom needs across the country."According to Ripple's company site, the donation will affect approximately 1 million public school students.Best says the "classroom projects" requested on the site represent specific missions or activities that teachers have for their students."It's a public schoolteacher requesting a classroom library. A field trip. A set of art supplies. A pair of microscopes. It's about requesting experiences or tools to provide a student learning experience," he said."We believe in the wisdom of the front lines," Best added. "Hardworking, passionate teachers know their students' needs better than anyone else in the school environment. If we can tap into their needs, we can unleash smarter solutions and empower those people on the front lines."  2956