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What is home equity loan what is home equity investment what is home equity brainly what is home equity what is homecoming what is home care what is home equity line of credit what is my ip what is my ip address what is monkeypox what is api what is my mmr
What Is Home Equity?
Most homeowners now have more equity in their homes than they did two years ago, thanks to surging home values during the pandemic. That means right now is a good time to consider tapping into your home equity if you're looking to borrow money at a lower interest rate than you might get with other types of loans such as personal loans. Home equity is the difference between what you owe on your mortgage and the current market value of your home.
You build equity in your home by consistently making mortgage payments over the years. Equity is valuable because it allows you to borrow money against your home at lower interest rates than other types of financing. Once you have enough equity built up in your home, lenders and banks will allow you to borrow against it. Some of the most common reasons to borrow against your equity are to pay for life expenses such as home improvements, higher education costs such as tuition, or to pay off high-interest credit card debt.
Most lenders want to see that you've built up at least 15% to 20% in equity in order to let you borrow money against your house in the form of refinancing or other kinds of home equity loans. One of the simplest ways to ensure you have a good chunk of equity in your home is to make a large down payment if you are able to.
For a typical homeowner with a 30-year fixed-rate mortgage, building up 15% to 20% usually takes about 5 to 10 years. Even if you paid less for your home when you bought it years ago, your equity is based on the present-day value of your house. If, for example, your home is currently worth $500,000 and you have $400,000 left to pay on your mortgage, you would have $100,000 of equity in your home.
Here's what you need to know about home equity, what it is, how to calculate it and why it's important to homeowners.
How do you calculate home equity?
To calculate your home equity, simply subtract your remaining mortgage balance from the current market value of your home. So if you owe $400,000 on your mortgage and your house is worth $500,000, you have $100,000, or 20% equity in your home. You may need to work with an appraiser or real estate agent in order to get an accurate evaluation of your home's fair market value, especially since home values have risen by record-breaking amounts since the beginning of the pandemic.
Ways to borrow against home equity
There are various ways to access the equity in your home. Some of the most common equity financing options are home equity loans, home equity lines of credit (or HELOCs) and reverse mortgages. It's important, however, to keep in mind that all of these options require you to put up your home as collateral to secure the loan, so it's critical to understand that there's a risk of losing your home to foreclosure if you miss payments or default on your loan for any reason.
Home equity loan
A home equity loan lets you borrow money against the equity you've built in your home and provides you with a lump sum of cash at a fixed interest rate. Lenders typically want to see that you have at least 15% to 20% in your home to approve you for a home equity loan. A home equity loan doesn't replace your mortgage like a refinance, rather, it's an entirely new loan that you'll repay monthly along with your existing mortgage payment. But just like a mortgage, with a home equity loan, your interest rate never changes and your monthly payments are fixed, too.
HELOCs
A home equity line of credit, or HELOC, is a type of loan that lets you borrow against the equity you've built up in your home and functions like a credit card. It provides you with an open line of credit that you can access for a certain amount of time, typically 10 years, followed by a set repayment period, which is usually 20 years. Lenders also generally want you to have at least 15% to 20% in your home for HELOC approval. With a HELOC, you don't have to take all of your funds out at once, and you can withdraw money repeatedly from your HELOC over the 10-year period, once previously borrowed sums are paid back.
"A HELOC offers more flexibility than a home equity loan -- you can't withdraw money from a home equity loan like you can with a HELOC, and a HELOC allows you to receive replenished funds as you pay your outstanding balance," said Robert Heck, VP of Mortgage at Morty, an online mortgage marketplace.
HELOCs have variable interest rates however, so it's important to make sure you can afford higher monthly payments if your rate goes up once your introductory interest rate expires, especially in the current economic climate.
Reverse mortgage
You must be 62 years or older to access a reverse mortgage and have either paid off your home or have significant equity accumulated, usually at least 50%. With a reverse mortgage, you do not have to make monthly mortgage payments and the bank or lender actually makes payments to you. You must still pay your property taxes and homeowners insurance and continue to live in the house, however. A reverse mortgage allows you to access the equity in your home and not pay back the funds for an extended period of time while using them for other expenses during retirement. It's important to keep in mind that you are building a mortgage balance back up as you borrow against your equity, and your estate will eventually have to pay off your loan. A common way to repay this loan is to sell your house.
The bottom line
Unlocking the equity in your home can be a valuable way to access financing to cover other life expenses. It's important to understand the differences between the kinds of equity loans available to secure the best one for your particular financial situation. When comparing ways to access equity, always take into account the interest rate, additional lender costs and fees, and the size of the loan and how it will be disbursed to you, as well as the amount of time you have to pay it back, before you enter into an agreement to borrow against the equity in your home.
What is net metering and how does it work what is net metering in solar energy what is net income what is net force what is title 42 what is rsv what is my ip what is normal blood pressure
What Is Net Metering and How Does It Work?
What Is Net Metering and How Does It Work?
If you're interested in setting up solar panels at your home, you've likely run into a number of new concepts when it comes to how utilities handle the electricity you'll generate. Perhaps you've run into the term "net metering" otherwise known as "net energy metering" or NEM, a concept unique to commercial and residential areas that generate their own electricity.
With solar panels, you can generate enough energy to provide electricity to your home and, sometimes, more than you can use or store. When that happens, you can sell that excess electricity to the utility company to distribute elsewhere along the power grid. That process is known as net metering.
How does net metering work?
In states that offer net metering (check here to see if your state qualifies), you can sell your excess solar energy back to your utility company in exchange for credits that offset the cost of your energy usage. You may generate excess solar power when it is clear and sunny out, but see less energy than is necessary to power your home when it is cloudy or rainy. By selling your excess energy back to the utility grid, you'll be able to use the credit to cover the cost for any electricity you need to use. You end up paying only for the "net" energy, or the difference between how much you sold and actually used.
The types of net metering
There are three different models of net metering, and which one is available to you may depend on your state and your utility provider.
Net metering
Net metering is the most common arrangement, and works by selling any surplus power generated by your solar panels to the utility operator in exchange for credits, which offset any electricity you may need to use from the grid. The credit is applied at the retail rate, which means the rate that you pay for electricity. Only one meter is required to track this, though your meter may need to be upgraded when you go solar.
Buy all/sell all
The buy all/sell all model works by selling 100% of the energy that your solar panels generate to the utility company. It is sold at wholesale price, which is cheaper for the purchases. In exchange, you get 100% of your home's energy from the utility company, which you pay the retail rate to use. This requires two separate meters, and you will pay the difference -- if any -- between the amount generated and the amount consumed. It's important to note that under this model, you do not directly consume any of the energy your solar panels generate.
Net billing
Much like net metering, the net billing model allows you to use the electricity generated by your solar panels and sell the excess to the utility company at retail price. Unlike the net metering model, though, you cannot bank credits for future billing cycles. This arrangement is more common for commercial situations than residential ones.
Advertiser Disclosure: CNET's corporate partner, SaveOnEnergy, can help you find the right energy fit for your home. The SaveOnEnergy marketplace helps you search, compare, sign up and save on the right energy fit for your home — all for free. If you're interested in solar, answer a few questions to get an exact price quote from our solar advisors.
What to consider when it comes to net metering types
In some cases you won't have a choice when it comes to the type of net energy metering arrangement, as utility companies may only offer one option. However, if you can choose, you'll want to keep in mind a couple things.
Net metering is the most common option for a reason: it's the simplest to understand. You get credits for energy sold and those credits are at retail price, meaning they are paid at the same rate that you pay for your electricity. That makes the math simple.
However, that doesn't mean it's the best deal available to you. If you're in a situation where you expect to generate a lot of electricity -- a region where it is sunny most of the time and there isn't much rain or cloud cover to interfere with your panels -- a buy all/sell all option may work better. While you'll be selling at a wholesale rate, meaning it is a lower rate for you since you are acting as a provider, you'll also be selling much more than you otherwise would. All of your solar power generation will be monetized, as opposed to just the excess.
You should also keep in mind other fees associated with net metering. For instance, you may have to pay a connection fee. This is a monthly expense that you pay for connecting to the utility company's grid. It typically isn't much, between $10-20 per month, but it is an expense to keep in mind.
No matter what arrangement ends up working best for you, net energy metering a great way to get the most out of your solar panels. Not only does it allow you to power your own house or pay for your full electricity use, but it also allows you to monetize your energy generation and let others make use of it.
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13 fun facts about Encanto, from Mirabel's gift to hidden Easter eggs
13 fun facts about Encanto, from Mirabel's gift to hidden Easter eggs
Whaddya mean, we don't talk about Bruno? These days, it feels like everyone's doing just that. Disney's hit animated musical Encanto came out in theaters in November and now is available on Disney Plus. The coronavirus pandemic might have limited Encanto's time in theaters, but on Disney Plus, it can be watched over and over again. And with its catchy Lin-Manuel Miranda songs such as We Don't Talk About Bruno and Surface Pressure, it's easy to do just that.
If you're spending an inordinate amount of time hanging out in the world of Encanto, here are 13 fun facts you might not know about the world of the magical Madrigal family.
Warning: Spoilers for Encanto ahead.
What does the title Encanto mean?
You can translate "encanto" from the Spanish to mean charm, or think of it as allure, or enchantment. Not only is the casita in Encanto enchanted with magic, but the entire Madrigal family carries with them that allure and sheer joy.
Lin-Manuel Miranda inspired many Bruno memes
Actor John Leguizamo voices Bruno, the Madrigal member the family doesn't talk about (except that they totally do). The Madrigals are a Colombian family, and Leguizamo himself was born in Bogotá, Colombia, so the casting seems spot-on there. But many fans saw a resemblance between Bruno and songwriter Lin-Manuel Miranda, in both appearance and the importance of his role. While Miranda hasn't publicly said he ever thought of playing the role himself, the idea of him playing the part has inspired plenty of memes.
"I just saw a TikTok of a guy who said Bruno Madrigal looks like Lin-Manuel Miranda if Hamilton never made it to Broadway," tweeted one fan.
Said another, "How many people do ya think it took to hold Lin back from voicing Bruno?"
Bruno is hiding in the movie poster
Look carefully at the poster for Encanto, crowded with the Madrigal family. Isn't that ... yep, it's Bruno, the mysterious Madrigal the family doesn't like to discuss, hiding under his green cloak in the far left part of the poster, next to a tree trunk.
Can you find Bruno? Hint: Look by the tree on the far left.
Disney
Beauty and the Beast inspired the opening song
Remember the opening number from 1991's Beauty and the Beast, in which Belle whirls through her village singing about the people she knows there? That concept inspired Miranda's opening number in Encanto, The Family Madrigal, in which Mirabel introduces her magical relatives and their powers.
"I was really inspired by Beauty and the Beast, Belle, for our opening number," Miranda told the Los Angeles Times. "We wanted to get the complexity of a family on screen. And that means getting our arms around them, not letting them get winnowed away in the story process where you tend to focus on the main character and their quest. We have to be super clear about who it is, how they're related, what they can do, and how that relates to our main character."
Encanto is available on streaming service Disney Plus.
Disney
Mirabel's skirt pays tribute to her family members
Clothing matters in Encanto. Mirabel's family members all have a symbol somewhere on their clothing indicating their gift. (Look for the barbells on super-strong Luisa's skirt, or Pepa's sunshine earrings, fitting since her emotions control the weather.) But Mirabel, who starts the film with no gift, has them all embroidered on her skirt, including a candle for Abuela; a chameleon for shape-shifting Camilo; animals for Antonio; and more.
"My favorite detail about Encanto is that every character has a symbol of their miracle embroidered on their clothes, except for Mirabel who has symbols of her entire family," one fan notes in a tweet.
Look closely at Agustín's outfit, too
Mirabel's dad, Agustín, also reps his family in his outfit, Encanto director Jared Bush points out.
"Agustín incorporated his three daughters into his outfit -- flower for Isabela, one sock with Luisa's symbols, one sock in the style of Mirabel's embroidery," Bush explained in a tweet.
What is Mirabel's gift in Encanto?
Huge spoilers, but when a young Mirabel tries to receive her magical gift, nothing appears to happen. It seems that she is the Madrigal family's one Muggle, in Harry Potter terms. But in the film, when Mirabel finally is able to put her hand on a doorknob after her childhood attempt fails, it brings the magical casita of the Madrigals back to life. Perhaps her gift is the greatest one, the power to keep her family, their home and all their magical separate gifts, together and thriving.
Then again, the fact that she can't lift churches or see visions of the future is shown to be less important than her love for her family. As one witty fan pointed out on Twitter, the film shows that "Mirabel is an independent and capable person who is just as deserving of love and acceptance as the rest of her family, and putting so much focus on a singular aspect of a person's identity can be emotionally and psychologically damaging."
Yet the audience still demands to know: "OK but whats her gift tho?"
Hercules and Cerberus
In Luisa's super-catchy song Surface Pressure, she musically wonders, "Was Hercules ever like 'Yo, I don't wanna fight Cerberus?'" Cerberus is the three-headed dog who guards the gates to the underworld in Greek mythology, but this could also be a Disney movie reference. In the 1997 Disney movie Hercules, strongman Herc tames Cerberus, so this reference could be a smart reminder of that film.
Lin-Manuel's sister inspired Luisa's song
In Surface Pressure, Luisa sings of how the family's burdens are often dumped upon her without them asking, because they're used to her carrying them without complaint. The song was inspired by Miranda's own sister, Luz, who's six years older than he is.
"She takes on way more responsibility than I do -- I was very aware that I was the baby brother who got away with everything -- so Surface Pressure is very much a love letter to my sister," Miranda told The Washington Post.
And Luz indeed sounds like Luisa, even down to her abilities at a young age.
"I remember my parents woke my sister up to put together a He-Man playset for Christmas before I woke up," Miranda told Variety. "They wanted it to be fully assembled when I woke up on Christmas morning."
Go fish
In We Don't Talk About Bruno, one character appears briefly but memorably, claiming Bruno told her that her fish would die, and his vision came true (she even displays the upside-down floating fish). That character's never introduced, but director Jared Bush told fans her name is "Senora Pezmuerto." Translation? "Pezmuerto" means "dead fish."
Mirabel's height
The lyrics to We Don't Talk About Bruno claim that he has a "seven-foot frame and rats along his back," but when Bruno shows up, he's nowhere near that tall. For some reason, fans of the film are very interested in Mirabel's height.
Director Jared Bush said in a tweet, "Here's an answer to a question I've been asked A LOT -- 'how tall is Mirabel?!' Official answer: 5'2" -- all other characters' heights are relative to hers, so that's all I got... except Bruno who has, you know, a 7-foot frame and rats along his back."
Meet Mirabel at Disney
Even though the film just came out in November, Mirabel showed up at Disney's California Adventure theme park in Anaheim, California, for the winter holidays. A Disney representative didn't immediately respond to a question about whether she'll become a permanent presence at the theme park, or whether she'll show up at Walt Disney World in Florida as well.
Nice to meet you, old friend
Voice actors don't always have to be in the same room to record their parts, and that's especially been true during the coronavirus pandemic. Lin-Manuel Miranda said he coached many of the singers through Zoom, and didn't meet many of them until the film's November premiere.
Not easy being green
Notice the importance of the color green in the film, especially connected to two specific characters. Mirabel's round eyeglasses are a bright green, and Bruno hides under a green cloak. It's no coincidence that these two have other things in common, especially when it comes to having unusual talents.
What States Can and Can't Do When Banning Abortion
What States Can and Can't Do When Banning Abortion
For more information about your reproductive health rights and related federal resources, you can visit the US government's
Reproductive Rights
site.
Whether someone can get an abortion or related medical procedure mostly hinges on which state they live in after the Supreme Court overturned Roe v. Wade last month and ended the constitutional right to abortion. But the switch from federal protection to state law isn't straightforward and has led to confusion and misinformation on what pregnant patients and physicians can do.
In this still developing landscape, how confident can people be that their treatment is still legal?
"The answer to all your questions is 'Who the heck knows,'" said Dr. Louise Perkins King, a surgeon and bioethicist at Harvard Medical School. "And that's the problem."
The US Department of Health and Human Services issued guidance on July 11 reminding physicians of their responsibilities under the existing Emergency Medical Treatment and Labor Act, or EMTLA, which supports the need to treat and stabilize patients in an emergency, including pregnant patients who may require an abortion. Days later, Texas sued the Biden administration over the law, which allows for medical assistance to save the life of the mother, because, Texas Attorney General Ken Paxton said, it "seeks to transform every emergency room in the country into a walk-in abortion clinic."
On Tuesday, a judge in Texas blocked the EMTLA guidance, so physicians in that state may no longer be protected by federal law if they perform an abortion when they deem it medically necessary but it falls outside of Texas' interpretation of a life-endangering pregnancy. Physicians nationwide who are members of the American Association of Pro-Life Gynecologists and Obstetricians or the Christian Medical and Dental Association are also exempt -- a total of about 18,000 health care providers, according to the court document.
Texas' new trigger law -- which will be in effect on Aug. 25 -- bans all abortions except when the pregnancy puts the mother "at risk of death or poses a serious risk of substantial impairment of a major bodily function." Physicians who perform an illegal abortion will be committing a felony. It doesn't make exceptions for rape, incest or fetal abnormalities, and it also doesn't make an exception for when the pregnant person's risk of death would come from a "claim or diagnosis" that they'll be hurt or might die in the future. (This could be interpreted to mean a doctor can't provide an abortion if a woman threatens to die by suicide because she has depression.) All abortions are currently banned in Texas after the state's Supreme Court ruled that a law from the 1920s could stand.
Legal battles within some states will continue to shape post-Roe America, with the landscape changing by the day. And lawsuits like the one in Texas clarify the country's stance on whether state law preempts federal rule on abortion or reproductive health care. Basically, can federal regulations trump state law?
"There's going to be cases that are going to have to determine this question," I. Glenn Cohen, a professor and bioethicist at Harvard Law School, said.
The argument over medication abortion access -- which is banned or restricted in many states but still available to people if they order it (not without risk) online -- will likely also be one of the first big court cases post-Roe, Cohen said. Questions of whether federal regulations on medication abortion conflict directly enough with state restrictions will continue to be center stage.
Medication abortion, for use in early pregnancy, accounts for more than half of abortions in the US. Restricting the pills is the new frontier of abortion bans.
Robyn Beck/Getty Images
Other federal guidance issued by the Biden administration includes a reminder to pharmacists that they are required to fill medication and birth control prescriptions for patients. Failing to do so is discrimination based on pregnancy status. This was in response to the many reports of women having treatment delayed or prescriptions denied while health care workers try to navigate around new state laws.
Here's what we know today.
Can states ban abortion pills? Not completely, but some are trying.
Any state with a current total ban on abortion -- including Texas, Oklahoma, South Dakota, Alabama, Arkansas, Mississippi, Missouri and Wisconsin -- also bans medication abortion. Heavy restrictions in other states, including Tennessee and South Carolina, which ban abortion after about six weeks, also extend to medication abortion. This means providers can't prescribe the medication in those states and patients can't fill prescriptions at pharmacies.
"If a state law bans abortion broadly, that includes medication abortions," Elisabeth Smith, director of state policy and advocacy at the Center for Reproductive Rights, told MedPage Today.
But abortion bans and state laws seek to punish abortion providers or people who assist them, not the person seeking the abortion (there's reason to believe this might change in the future). For now, people living in the most restrictive states can still order pills from an overseas pharmacy, including Aid Access. However, the pills could take awhile to arrive and potentially put the person past the point of pregnancy for which the medication is safe and effective (about 10 weeks).
Peter Dazeley/Getty Images
The fate of medication abortion pills in Republican-leaning states centers on mifepristone, the first pill given in the two-dose regimen of medication abortion. Because the US Food and Drug Administration approved mifepristone as a safe and effective way to end a pregnancy over 20 years ago, states shouldn't be able to restrict it, the US attorney general's office argued the same day Roe was overturned. (Misoprostol, the second pill, is used off-label for abortion and miscarriage treatment. It's also used to treat health conditions such as stomach ulcers.)
Whether this federal regulation (and the FDA's stamp of approval) supersedes state laws will need to be decided. Cohen said this is likely to be determined by the Supreme Court as "one of the first post-Dobbs cases."
"It's unclear whether that's going to be a winner of an argument, to be perfectly honest," Cohen said.
Last year, the FDA extended a pandemic-era rule that allowed patients to get medication abortion pills through the mail, instead of requiring them to be prescribed in person. This was seen as a victory for the American College of Obstetricians and Gynecologists and other medical groups, which viewed the in-person requirement as unnecessary for a medication that's safe and effective in early pregnancy.
But states have their own requirements for medication abortion, and providers licensed in Montana can't prescribe pills to patients who travel over from a restrictive state like South Dakota, NPR reported.
Read more: Worries About Post-Roe Data Privacy Put Spotlight on Period Apps
Ectopic pregnancies can't result in a delivery and require medical treatment. Symptoms can start with typical pregnancy signs, including a missed period, but can progress to abdominal or pelvic pain, vaginal bleeding, weakness and more.
Svetlana Gustova/Getty Images
Can states ban treatment for high risk pregnancies? The HHS says no, but doctors say state laws are restricting care.
Even though the most restrictive states banning abortions leave room for some degree of medical emergency, practicing physicians need to decide where the medical emergency line is – and risk prosecution if a state sees it differently.
This month, the story of a 10-year-old girl who was raped and pregnant and who traveled to Indiana from Ohio, where abortion is banned around six weeks without exception for rape or incest, made headlines. Not only was the physician publicly questioned by Indiana's attorney general on whether she followed state law, but Ohio Attorney General Dave Yost said in the aftermath that the girl should've been able to legally get an abortion under the state law's medical emergency exemption. Ohio's OB-GYNs disagreed.
"It states specifically 'medically diagnosed condition,' and as far as I can tell, adolescent pregnancy is not a medically diagnosed condition that's listed," Dr. Jason Sayat, a Columbus OB-GYN, told the Ohio Capital Journal.
The Department of Health and Human Services reminded physicians and hospitals that if they want to keep their Medicare agreement and avoid "civil penalties," they must treat pregnant patients and provide abortions if necessary as required under the 1986 Emergency Medical Treatment and Labor Act. The EMTLA, now blocked in Texas, outlines certain life-endangering pregnancies that doctors must treat regardless of state law, including ectopic pregnancies, preeclampsia and complications of pregnancy loss.
But that narrow line of abortion exceptions for medical emergencies given by states like Wisconsin is what's troubling Dr. Jennifer McIntosh, a maternal-fetal medicine physician practicing in the state. While Wisconsin's attorney general said he wouldn't enforce a ban, physicians there stopped performing abortions because the state has a pre-Roe criminal statute that prohibits most abortions. The "save the life of the mother" abortion exception language in that law can leave out health conditions which may not be an immediate emergency but can become one down the line.
"Some of what we do is to prevent emergencies from happening," McIntosh said. "To have to wait for an emergency to actually appear puts your patient's life at risk."
The treatment for an ectopic pregnancy is termination, because terminating the pregnancy is the only safe outcome when an embryo grows outside of the uterus, typically in a fallopian tube. Without treatment, the fallopian tube is likely to rupture, which can lead to internal bleeding and death. But some laws, like one in Texas, specifically restrict medications including methotrexate, which has led to access problems for people who are pregnant as well as people who are taking methotrexate for another health reason.
Complicating confusion and risk over how abortion bans will affect treatments for ectopic pregnancies is the fact that more rare types of ectopic pregnancies exist, including ones where the pregnancy is growing inside a C-section scar or other area outside the safety of the main cavity of the uterus -- but still technically in the uterus. These rarer kinds of ectopic pregnancies are also life-threatening, and may be more difficult to diagnose and treat as such in a state that bans abortions with an emphasis on the pregnancy being in the uterus.
Saul Loeb/AFP/Getty Images
States are not prosecuting people who have abortions (yet)
Current state laws -- both those in effect and those in limbo in court -- prosecute other people involved in an abortion, not the person who's pregnant.
But the health impact may be already felt when a doctor is hesitant to treat patients, or pharmacists are reluctant to fill a prescription for mifepristone before interviewing a woman to ascertain whether her pregnancy is already ended and her situation is in line with state law.
"Even in these straightforward cases of basic OB/GYN practice, the laws leave providers questioning and afraid," Dr. Carley Zeal, an OB-GYN in Wisconsin, told The New York Times. "These laws are already hurting my patients."
Aside from hesitancy among health care providers, physicians also fear that worries people have about being prosecuted for having an abortion or miscarriage will stop patients experiencing complications from any kind of pregnancy loss from seeking care.
That's because it was already happening, before Roe was overturned. According to the National Advocates for Pregnant Women, there were over 1,700 arrests or prosecutions of women from 1973 (when Roe became law) to 2020 where their pregnancies were the focus of the case against them.
So will doctors report you if they suspect you had an abortion?
"The vast majority of health care professionals will not do that, because that's not caring for their patients," King said. But, she added, "I'm sure there's a very small, but unfortunately detrimental, minority who might."
Your current access to birth control shouldn't be impacted by the overturn of Roe v. Wade. However, there's reason to believe that could change in the future.
Carol Yepes/Getty Images
Birth control is still protected under the Affordable Care Act
Right now, IUDs, birth control pills and other birth control methods are legal in all 50 states. And they should also be covered at no out-of-pocket cost for those covered under the Affordable Care Act. The right to birth control is protected under two Supreme Court rulings: Griswold v. Connecticut (1965) and Eisenstadt v. Baird. (Another Supreme Court Case, Burwell v. Hobby Lobby Stores, chipped away a little of that protection, however, finding that some corporations are exempt for religious reasons.)
Plan B or "morning after pill" brands are also not included in abortion bans, because they will not end an existing pregnancy. Most health plans should also cover them.
Legislators in Missouri last year voted to block taxpayer funding for IUDs and emergency contraception, casting doubt that all birth control devices will be protected indefinitely, at least in some states. The claims of legislators like Paul Wieland, a Republican state senator in Missouri, are that anything that has the potential to disrupt a fertilized egg's implantation into the uterus is an abortifacient.
The medical community has been clear that IUDs and emergency contraception do not cause abortions and will not end an existing pregnancy. Copper IUDs work mostly by causing a chemical change in the sperm and egg before they meet, according to the World Health Organization. Hormonal IUDs like Mirena work mostly by thickening cervical mucus so sperm can't reach the egg, and can also prevent ovulation. Plan B and similar pills likely won't work if a person has already ovulated, meaning the chances of it stopping implantation are currently understood to be slim.
Nevertheless, unlikely occurrences or instances where a fertilized egg may be prevented from implanting into a uterus could be called into question in future court cases.
Read more: Could a Post Roe v. Wade World Impact Your Access to Birth Control?
The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.
Who can get monkeypox vaccine can i get a monkeypox vaccine the one who needs you here s who i am camp here s how here s hopin instrumental here sdk here string powershell
Here's Who Needs a Monkeypox Vaccine, and What We Know About It
Here's Who Needs a Monkeypox Vaccine, and What We Know About It
What's happening
The monkeypox vaccine is available to people at higher risk of getting the disease, but supply has been limited. To stretch out more doses, the US is starting to administer the vaccine in a slightly different way that requires a smaller dose.
Why it matters
Vaccination is an important tool to slow the monkeypox outbreak happening in the US and other countries. Access to vaccines is crucial for people most at risk.
What it means for you
Some men who have sex with men are eligible for the vaccine, as are other people who may've been exposed to monkeypox.
The vaccine Jynneos is being given out a little differently now in some places. If you're eligible for a monkeypox vaccine, you might be getting a shot under a top layer of skin, instead of deeper into your arm. That's because the US Food and Drug Administration authorized intradermal injection for the monkeypox vaccine this month, which is an effort to increase the US supply of vaccine up to five times since intradermal injection requires a much smaller dose than one given subcutaneously.
Also called "dose-sparing," intradermal types of injections aren't new to health care. But the change in medical guidance on how the monkeypox vaccine can be administered reflects a shortage of Jynneos that's plagued the vaccine rollout since it began. Health officials have touted a national stockpile of vaccines that work against monkeypox as well as smallpox, but getting them out to states and into the arms of people who need them has been a challenge.
According to a report from The New York Times, a hurdle in the monkeypox vaccine rollout (besides limited supply of Jynneos) is that the federal system being used to move vaccines to states and cities is different from the system local health officials are used to, which is run by the US Centers for Disease Control and Prevention and is already linked to state databases. The current system states are using for the monkeypox vaccine is made for mass vaccine rollouts where every person would need a vaccine (like a smallpox bioterrorism event), and it's been difficult in some states for local health officials to track their orders or get to the site where the doses have been delivered, the Times reports.
But federal health officials are confident in the new intradermal vaccination method, which they say gives an immune response similar to that of the traditional method. But it still requires two doses, about 28 days apart. One-dose priority policies for the vaccine, which could potentially delay a second dose, have been put in place in cities like San Francisco and New York City, which make up a large portion of the country's monkeypox cases.
Here's what we know about monkeypox vaccination.
Read more: Monkeypox: What to Know About Variants, Symptoms and More
Who can get a monkeypox vaccine?
Exact criteria for who should get a monkeypox vaccine depend on the city or state people live in and how widespread the outbreak is there, but men who have sex with men and who have had multiple or anonymous sexual partners in the last two weeks are eligible in cities like New York. That's because gay and bisexual men are currently at higher risk in the outbreak, though anyone with close contact to monkeypox can get the disease. You may also be eligible if you were recently exposed to someone with monkeypox.
According to the CDC, you meet the criteria for a monkeypox vaccine if:
You're a contact of someone who has monkeypox or you were identified as possibly exposed via contact tracing.
You had a sexual partner within the last two weeks who has monkeypox.
You've had multiple sexual partners in the last two weeks in an area with a high number of monkeypox cases.
You are a lab or health care worker who's around orthopox viruses, including in animals.
If you think you qualify for a vaccine or were exposed to monkeypox, contact your local health department or doctor's office to find an appointment in your area. You can also book an appointment for the vaccine online, a process that'll walk you through the eligibility criteria. Here is New York City's vaccine appointment website. You can make an appointment and find a vaccine in San Francisco by calling one of the city's clinics or visiting its drop-in location.
Colematt/Getty Images
What is intradermal vaccination?
Intradermal vaccination is a method that injects the vaccine under a more shallow layer of skin, typically on the inner side of the forearm. This should produce a "noticeable pale elevation of the skin," according to the US Centers for Disease Control and Prevention. Counties including Los Angeles county and Fulton county in Georgia (where Atlanta is) have already transitioned to intradermal injections, according to the White House.
Most vaccines we get these days go either into the muscle in our arm (intramuscular injection) or into the fatty tissue under our skin (subcutaneous injection), like Jynneos has been given so far. Subcutaneous injection of Jynneos is the only authorized method of vaccination for people younger than 18. If you get the monkeypox vaccine intradermally, you'll still need two doses.
When the FDA authorized the new vaccine method, the agency referenced a study published in 2015 that found that a smallpox vaccine given intradermally gave a similar immune response in people compared to the vaccine given subcutaneously.
What are the monkeypox vaccines?
The US has two vaccines in its national stockpile that work against monkeypox. Jynneos is currently being given out to people before an exposure, as well as after an exposure, as it's a newer vaccine that's safe for most people.
Jynneos (made by Bavarian Nordic) is a new-generation vaccine approved by the US Food and Drug Administration in 2019 for monkeypox and smallpox. It's a two-dose vaccine, with each shot given about four weeks apart. It uses a weakened virus and is approved for adults 18 and older who are at high risk of getting monkeypox or smallpox.
Because of limited supply, it's likely you'll only be able to book an appointment for the first dose for the time being. In New York City, for example, health officials say you'll be contacted if you received a first dose about the second dose in the coming weeks.
Side effects of Jynneos may include typical temporary vaccine side effects, including headache, chills and fatigue. There can also be some pain and swelling around the injection site, which can result in what some are reporting as a temporary swollen lump around the injection site.
ACAM2000 is a second-generation smallpox vaccine that also works against monkeypox. According to the CDC, ACAM2000 is a derivative of Dryvax, which helped eradicate smallpox. (The two diseases are closely related and both caused by orthopoxviruses, which makes this possible.) If necessary, the US Department of Health and Human Services said it's also prepared to ship out the ACAM2000 vaccine, which is in greater supply than Jynneos but remains a second choice in the monkeypox response because it has a side effect profile that isn't safe for certain people.
ACAM2000 is administered differently than the typical vaccine shot we're used to, including intradermal injection. It's given by dipping a needle into a vaccine solution which will then be "pricked" several times on the upper arm. It will cause a localized infection (a "pox"), prompting an immune response.
While ACAM2000 doesn't cause smallpox, it contains live vaccina virus, which isn't suitable for everyone. It could be unsafe for immunocompromised people, pregnant folks and those with certain heart or skin diseases, like eczema.
Smallpox was declared eliminated from the world in 1980. The US stopped routine vaccination against it in 1972, though some health care workers or people who work in labs may have had the vaccine. Historically, according to the CDC, smallpox vaccines were 95% effective against infection and protect you for about three to five years, and after that protection starts to wane.
Because of this, it's possible people born before the early 1970s who got the smallpox vaccine might have some cross-protective immunity against monkeypox, according to the WHO, but there is "little immunity" to younger people living in non-endemic countries because they've had no exposure to a similar virus.
Read more:Monkeypox: What Gay and Bisexual Men Need to Know
A smallpox vaccine scar. People born before the mid-1970s might have such a scar. Jynneos, a newer-generation monkeypox and smallpox vaccine, is not the same type of vaccine as the one used to eradicate smallpox and doesn't leave a scar.
Picture Alliance/Getty Images
How effective are the vaccines against monkeypox? How long do they take to work?
Giving Jynneos within four days of a monkeypox exposure is the best option for stopping the onset of the disease, according to the CDC. If it's given four to 14 days after an exposure, the CDC says, Jynneos may not prevent monkeypox but will likely reduce the severity of symptoms. However, this information was published when Jynneos was given only the "standard" way (subcutaneous injection).
The CDC says that the Jynneos vaccine takes two weeks (14 days) after the second dose for immunity to build, and that ACAM2000 takes four weeks for maximum immunity. Though many people are receiving only the first dose of Jynneos at this time, early research suggests that one dose will still offer some protection, at least for a shorter period of time.
Because the US outbreak of monkeypox is so new, there's no data yet on exactly how effective the vaccines will be in the current situation, according to the CDC.
You should still self-isolate if you develop symptoms of monkeypox after getting vaccinated, such as a rash.
A computer image of a monkeypox virus.
Uma Shankar Sharma/Getty Images
Why does the US have a stockpile of monkeypox vaccines?
The US has a stockpile of Jynneos and ACAM2000 on hand not because the country was worried about an outbreak of monkeypox (which has been endemic in some African countries for years), but in case smallpox becomes a public threat again. Smallpox was declared eliminated in the 1980s, and the last natural outbreak in the US happened in 1949. But smallpox is usually much more severe than monkeypox, and officials worry it could be used as biological warfare.
"The stockpile was created in the event of a biological weapons attack on the United States with smallpox," Dr. Amesh Adalja, an infectious-disease expert and senior scholar at the Johns Hopkins Center for Health Security said. In this event, health officials would not be rationing vaccines or using only the newer-generation vaccine, according to Adalja.
"If there was a smallpox attack, we would be using whatever vaccines we have to be able to deal with it," he added.
Why is there a monkeypox vaccine supply issue?
The supply of Jynneos, the newer vaccine specifically approved to prevent monkeypox, has been in particularly short supply.
Officials who spoke to The New York Times said the supply issue is partly because the government waited too long to ask Bavarian Nordic, which makes Jynneos, to bottle and fill the vaccine order the US had already purchased.
Another report by the Times alleges that the US national stockpile of monkeypox and smallpox vaccines dwindled because the government never replaced the expired doses and instead put money into technology that would extend their shelf life. Part of the reason for this was that the government created the stockpile not for monkeypox but for smallpox, which is a more contagious and often more serious disease officials fear could be used in biological warfare against the US.
The US Department of Health and Human Services didn't respond to a request for comment on the reports.
The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.
Here's Who Needs a Monkeypox Vaccine, and What We Know About It
Here's Who Needs a Monkeypox Vaccine, and What We Know About It
What's happening
The monkeypox vaccine is available to people at higher risk of getting the disease, but supply has been limited. To stretch out more doses, the US is starting to administer the vaccine in a slightly different way that requires a smaller dose.
Why it matters
Vaccination is an important tool to slow the monkeypox outbreak happening in the US and other countries. Access to vaccines is crucial for people most at risk.
What it means for you
Some men who have sex with men are eligible for the vaccine, as are other people who may've been exposed to monkeypox.
The vaccine Jynneos is being given out a little differently now in some places. If you're eligible for a monkeypox vaccine, you might be getting a shot under a top layer of skin, instead of deeper into your arm. That's because the US Food and Drug Administration authorized intradermal injection for the monkeypox vaccine this month, which is an effort to increase the US supply of vaccine up to five times since intradermal injection requires a much smaller dose than one given subcutaneously.
Also called "dose-sparing," intradermal types of injections aren't new to health care. But the change in medical guidance on how the monkeypox vaccine can be administered reflects a shortage of Jynneos that's plagued the vaccine rollout since it began. Health officials have touted a national stockpile of vaccines that work against monkeypox as well as smallpox, but getting them out to states and into the arms of people who need them has been a challenge.
According to a report from The New York Times, a hurdle in the monkeypox vaccine rollout (besides limited supply of Jynneos) is that the federal system being used to move vaccines to states and cities is different from the system local health officials are used to, which is run by the US Centers for Disease Control and Prevention and is already linked to state databases. The current system states are using for the monkeypox vaccine is made for mass vaccine rollouts where every person would need a vaccine (like a smallpox bioterrorism event), and it's been difficult in some states for local health officials to track their orders or get to the site where the doses have been delivered, the Times reports.
But federal health officials are confident in the new intradermal vaccination method, which they say gives an immune response similar to that of the traditional method. But it still requires two doses, about 28 days apart. One-dose priority policies for the vaccine, which could potentially delay a second dose, have been put in place in cities like San Francisco and New York City, which make up a large portion of the country's monkeypox cases.
Here's what we know about monkeypox vaccination.
Read more: Monkeypox: What to Know About Variants, Symptoms and More
Who can get a monkeypox vaccine?
Exact criteria for who should get a monkeypox vaccine depend on the city or state people live in and how widespread the outbreak is there, but men who have sex with men and who have had multiple or anonymous sexual partners in the last two weeks are eligible in cities like New York. That's because gay and bisexual men are currently at higher risk in the outbreak, though anyone with close contact to monkeypox can get the disease. You may also be eligible if you were recently exposed to someone with monkeypox.
According to the CDC, you meet the criteria for a monkeypox vaccine if:
You're a contact of someone who has monkeypox or you were identified as possibly exposed via contact tracing.
You had a sexual partner within the last two weeks who has monkeypox.
You've had multiple sexual partners in the last two weeks in an area with a high number of monkeypox cases.
You are a lab or health care worker who's around orthopox viruses, including in animals.
If you think you qualify for a vaccine or were exposed to monkeypox, contact your local health department or doctor's office to find an appointment in your area. You can also book an appointment for the vaccine online, a process that'll walk you through the eligibility criteria. Here is New York City's vaccine appointment website. You can make an appointment and find a vaccine in San Francisco by calling one of the city's clinics or visiting its drop-in location.
Colematt/Getty Images
What is intradermal vaccination?
Intradermal vaccination is a method that injects the vaccine under a more shallow layer of skin, typically on the inner side of the forearm. This should produce a "noticeable pale elevation of the skin," according to the US Centers for Disease Control and Prevention. Counties including Los Angeles county and Fulton county in Georgia (where Atlanta is) have already transitioned to intradermal injections, according to the White House.
Most vaccines we get these days go either into the muscle in our arm (intramuscular injection) or into the fatty tissue under our skin (subcutaneous injection), like Jynneos has been given so far. Subcutaneous injection of Jynneos is the only authorized method of vaccination for people younger than 18. If you get the monkeypox vaccine intradermally, you'll still need two doses.
When the FDA authorized the new vaccine method, the agency referenced a study published in 2015 that found that a smallpox vaccine given intradermally gave a similar immune response in people compared to the vaccine given subcutaneously.
What are the monkeypox vaccines?
The US has two vaccines in its national stockpile that work against monkeypox. Jynneos is currently being given out to people before an exposure, as well as after an exposure, as it's a newer vaccine that's safe for most people.
Jynneos (made by Bavarian Nordic) is a new-generation vaccine approved by the US Food and Drug Administration in 2019 for monkeypox and smallpox. It's a two-dose vaccine, with each shot given about four weeks apart. It uses a weakened virus and is approved for adults 18 and older who are at high risk of getting monkeypox or smallpox.
Because of limited supply, it's likely you'll only be able to book an appointment for the first dose for the time being. In New York City, for example, health officials say you'll be contacted if you received a first dose about the second dose in the coming weeks.
Side effects of Jynneos may include typical temporary vaccine side effects, including headache, chills and fatigue. There can also be some pain and swelling around the injection site, which can result in what some are reporting as a temporary swollen lump around the injection site.
ACAM2000 is a second-generation smallpox vaccine that also works against monkeypox. According to the CDC, ACAM2000 is a derivative of Dryvax, which helped eradicate smallpox. (The two diseases are closely related and both caused by orthopoxviruses, which makes this possible.) If necessary, the US Department of Health and Human Services said it's also prepared to ship out the ACAM2000 vaccine, which is in greater supply than Jynneos but remains a second choice in the monkeypox response because it has a side effect profile that isn't safe for certain people.
ACAM2000 is administered differently than the typical vaccine shot we're used to, including intradermal injection. It's given by dipping a needle into a vaccine solution which will then be "pricked" several times on the upper arm. It will cause a localized infection (a "pox"), prompting an immune response.
While ACAM2000 doesn't cause smallpox, it contains live vaccina virus, which isn't suitable for everyone. It could be unsafe for immunocompromised people, pregnant folks and those with certain heart or skin diseases, like eczema.
Smallpox was declared eliminated from the world in 1980. The US stopped routine vaccination against it in 1972, though some health care workers or people who work in labs may have had the vaccine. Historically, according to the CDC, smallpox vaccines were 95% effective against infection and protect you for about three to five years, and after that protection starts to wane.
Because of this, it's possible people born before the early 1970s who got the smallpox vaccine might have some cross-protective immunity against monkeypox, according to the WHO, but there is "little immunity" to younger people living in non-endemic countries because they've had no exposure to a similar virus.
Read more:Monkeypox: What Gay and Bisexual Men Need to Know
A smallpox vaccine scar. People born before the mid-1970s might have such a scar. Jynneos, a newer-generation monkeypox and smallpox vaccine, is not the same type of vaccine as the one used to eradicate smallpox and doesn't leave a scar.
Picture Alliance/Getty Images
How effective are the vaccines against monkeypox? How long do they take to work?
Giving Jynneos within four days of a monkeypox exposure is the best option for stopping the onset of the disease, according to the CDC. If it's given four to 14 days after an exposure, the CDC says, Jynneos may not prevent monkeypox but will likely reduce the severity of symptoms. However, this information was published when Jynneos was given only the "standard" way (subcutaneous injection).
The CDC says that the Jynneos vaccine takes two weeks (14 days) after the second dose for immunity to build, and that ACAM2000 takes four weeks for maximum immunity. Though many people are receiving only the first dose of Jynneos at this time, early research suggests that one dose will still offer some protection, at least for a shorter period of time.
Because the US outbreak of monkeypox is so new, there's no data yet on exactly how effective the vaccines will be in the current situation, according to the CDC.
You should still self-isolate if you develop symptoms of monkeypox after getting vaccinated, such as a rash.
A computer image of a monkeypox virus.
Uma Shankar Sharma/Getty Images
Why does the US have a stockpile of monkeypox vaccines?
The US has a stockpile of Jynneos and ACAM2000 on hand not because the country was worried about an outbreak of monkeypox (which has been endemic in some African countries for years), but in case smallpox becomes a public threat again. Smallpox was declared eliminated in the 1980s, and the last natural outbreak in the US happened in 1949. But smallpox is usually much more severe than monkeypox, and officials worry it could be used as biological warfare.
"The stockpile was created in the event of a biological weapons attack on the United States with smallpox," Dr. Amesh Adalja, an infectious-disease expert and senior scholar at the Johns Hopkins Center for Health Security said. In this event, health officials would not be rationing vaccines or using only the newer-generation vaccine, according to Adalja.
"If there was a smallpox attack, we would be using whatever vaccines we have to be able to deal with it," he added.
Why is there a monkeypox vaccine supply issue?
The supply of Jynneos, the newer vaccine specifically approved to prevent monkeypox, has been in particularly short supply.
Officials who spoke to The New York Times said the supply issue is partly because the government waited too long to ask Bavarian Nordic, which makes Jynneos, to bottle and fill the vaccine order the US had already purchased.
Another report by the Times alleges that the US national stockpile of monkeypox and smallpox vaccines dwindled because the government never replaced the expired doses and instead put money into technology that would extend their shelf life. Part of the reason for this was that the government created the stockpile not for monkeypox but for smallpox, which is a more contagious and often more serious disease officials fear could be used in biological warfare against the US.
The US Department of Health and Human Services didn't respond to a request for comment on the reports.
The information contained in this article is for educational and informational purposes only and is not intended as health or medical advice. Always consult a physician or other qualified health provider regarding any questions you may have about a medical condition or health objectives.
