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What Is 'twee' And Why Is TikTok Debating Its Return?


What is 'twee' and why is TikTok debating its return?


What is 'twee' and why is TikTok debating its return?

In 2021, TikTok unseated Google as the most popular domain on the Internet, and now it's looking like it'll take over Instagram as the ultimate home for fashion influencers. 

With one of the largest audiences on the planet, TikTok is responsible for the rise and fall of many a trend. When TikTok speaks, people listen. Lately, however, TikTok fashionistas have been divided over the potential resurgence of a very specific and iconic trend: twee. 

@flashesofstyle How are we feeling about this resurgence? Idk yet 😅 #twee#tweestyle#tweefashion#fypã‚·#fyp♬ Why Do You Let Me Stay Here? - She & Him

Even if you're unfamiliar with the word, you'll likely recognize the look. Think early 2013 ModCloth aesthetic -- swooping bangs, Peter Pan collars, cutesy cardigans, skater skirts with patterned tights, red lipstick, ukuleles and typewriters. 

Essentially, look at almost any image of Zooey Deschanel circa 2011-2014 to be smacked in the face with twee, or hipster fashion. It was an incredibly popular aesthetic, especially among the Tumblr crowd.

@steffydegref It's back, and I've been waiting forever. #twee#indie#indiesleaze#tumblr♬ Why Do You Let Me Stay Here? - She & Him

On the one hand, some users are adamant that the trend is returning, warning fashion followers to ready their ballet flats and berets. Others, however, are dismissing it as the latest in a line of TikTok algorithm bubbles destined to burn itself out on speculation and drama. 

Regardless of whether it's back, though, it's already facing backlash. So why is an aesthetic causing so much division? 

Here's the thing: It's not really about fashion at all. When you boil it down, the underlying issues of the debate aren't based on clothing choices. They're based on deceptive algorithms, negative online behavior and the fear of a cyclical internet. 

The TikTok bubble effect

TikTok's algorithm is designed to know you better than you know yourself. It serves you endless customized videos that pay attention to your interactions, all to ensure you see the exact content you'll enjoy most. 

But the funny thing about humans is that we actually have a very poor understanding of scale and relevance outside of our own bubbles. So, if you're getting inundated with a particular sound or trend on TikTok, your brain will likely think that it's a much bigger deal than it is. 

Despite not having that many actual videos comparatively -- just under 7,000 for the main TikTok sound -- the twee revival debate is causing real-world trend forecasters to pay attention. Why? Because, as was the case when TikTok witches caused a real-world fuss by "hexing the moon," even microcosms and pockets of the internet have the capacity to create great social influence and change. 

What's so scary about twee?

The initial wave of twee came at a time when Tumblr popularity was paramount -- the more reblogs you had on a cutesy photo with a poetic caption, the more indie and iconic you were. It was an attitude as much as a fashion movement, similar to what we'd now call hipsters.

Unfortunately, however, it also came with some deeply concerning attitudes toward body types and elitism.

@wannabehayleywilliams We still have time, audio still has less than 550 videos under it. #tumblr#2014tumblr#aesthetic#twee♬ Why Do You Let Me Stay Here? - She & Him

Between 2011 and 2014, Tumblr had itself a serious eating disorder and self harm problem, with countless blogs devoted to promoting and striving for anorexia and "thinspiration." Coinciding with the peak of twee popularity, the aesthetic went hand-in-hand with harmful "thinspo" propaganda – anyone who wasn't thin enough wasn't considered "twee" so much as "frumpy." It was elitist and dangerous.

As a result, the lingering perception of twee and indie sleaze for people who were on Tumblr in those days is often one of perilously thin legs clad in tights or sepia-toned cardigans covering self-harm scars.

We've learned a lot since the Tumblr days. We grew out of the mustache trend, we learned that Tom was the real villain in classic twee film (500) Days of Summer, but the Internet hasn't fully caught up with body neutrality and progress. 

To this day, social media sites struggle to keep a lid on pro-anorexia content, with Instagram coming under fire for its failure to protect teens from that sort of content as recently as last month.

With TikTok already having faced similar issues, people noticing the resurgence of twee are concerned that, while we may dust off the cardigans and tights, we haven't come far enough to leave the harmful attitudes behind. 

@rebxtat Maybe sharing a hot take whilst cleaning out my fish tank x #twee♬ Why Do You Let Me Stay Here? - She & Him
@vonmunster i looked like this and listened to chelsea grin #twee#indie#tumblr♬ Why Do You Let Me Stay Here? - She & Him

Do we need to worry about this?

As is so often the case online, the discourse surrounding the twee debate is bigger than the debate itself. What started as a simple trend revival has grown legs in part due to the attention that naysayers have brought upon it.

But as for whether we should be worried, it really comes down to how much faith people have in their own capacity to regulate content and how much they trust social media to keep the dangerous ideas at bay. 

The concern is that if the negative associations with twee come back alongside the trend, there could be microcosms and TikTok algorithm bubbles circulating the same dangerous ideas and mentalities that caused such uproar on Tumblr. 

In an article from The Guardian, it's suggested that TikTok could actually end up being more dangerous because of the demographic of its users. It's not hard to circumnavigate word restrictions -- we've already seen users get around TikTok censorship with intentional spelling mistakes -- and with so many young users it's a concern.

Sure, there may not be that many videos about it now, but for the people who live within that bubble, it feels big, and the power of teenage girl influence shouldn't be underestimated. 

Let's just remember for a moment that nobody is arguing the merits of the actual clothes, though I'm sure nobody wants twee revival to venture into mustache-core again. Nobody is scared of a plaid skirt and tights combo. 

But given the damage that the wider twee-thinspo Tumblr pairing did in the early 2010s, it's little wonder people are apprehensive.


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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


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. 

An illustration showing the different types of vaccination methods
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

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

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.


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Here's Who Needs A Monkeypox Vaccine, And What We Know About It


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. 

An illustration showing the different types of vaccination methods
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

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

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.


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What Is An Escrow Account And How Does It Work?


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What is an escrow account and how does it work?


What is an escrow account and how does it work?

Escrow refers to an arrangement in which a neutral third party receives, holds and pays out funds as spelled out in a contract. Though it's used in a variety of financial situations, escrow accounts are commonly used in a real estate context to help manage payments for property taxes and insurance

What is escrow and how does it work? 

In real estate, escrow accounts are used for two main purposes -- to hold an initial payment for the property and to hold funds for property taxes and insurance.

When you're buying a house, your mortgage lender may require an escrow account to hold funds for closing until the deal is finalized. Once you agree on a home price with the seller, your agent will collect earnest money -- a good-faith deposit that proves you're serious about the home purchase -- from you and place it into an escrow account. How much earnest money is required can vary, but you'll typically provide 1% to 2% of the home sale price.

What happens to your earnest money if the deal falls through?

When initially putting your money into escrow, you have a time window to change your mind (typically 48 hours) without losing your escrow money. As long as you meet the deadlines provided, you can get your earnest money back if the deal falls through. In addition, after the home inspection, you also receive a window of opportunity to review the inspection results and cancel the home sale without losing your earnest money. If you break the deal after a specified deadline, this money could go to the seller. 

Once you close on your home, your good-faith deposit becomes part of your down payment. On your closing day, you'll add the rest of your closing costs to this escrow account. This money is then distributed to all parties involved in the home sale -- the seller, agents and any other players.

How homeowner escrow accounts work

After you buy your home, your monthly mortgage expenses may still be deposited into an escrow account to pay for holding tax and insurance funds. This money will be taken directly from your monthly mortgage payment. This money is used by the lender to pay insurance premiums and taxes whenever they are due. Typically, there must be more than two months of funds in the account, to minimize the lender's risk and to make sure that the homeowner is capable of making the payments. The account is closed once the loan is settled. Keep in mind that escrow accounts do not pay for any kind of homeownership costs. Utility bills and other maintenance costs of the property are not part of the escrow account.

Who manages an escrow account?

The escrow account is managed by a neutral third party or middleman -- usually the escrow company or escrow agent or even the mortgage servicer, depending on what you are using the account for. The escrow agent is often the same as the title agent who holds onto the deed until the sale is closed during the home buying process. After the sale of a house, escrow accounts are managed by the mortgage servicer responsible for collecting your mortgage payments and keeping their records. 

Who pays for the escrow account?

Since an escrow account benefits both the buyer and the seller, there is no hard and fast rule about who pays for it. The buyer and the seller may choose to split the fees or decide that one party bears it all. If the title provider or settlement agent is paying for the account, the fees could be rolled into the settlement fees or the title insurance fee. If the buyer fields the cost, escrow fees could be added to the mortgage payments, resulting in a higher payment every month. 

Just like earnest money, escrow account fees can range, but typically equal 1% to 2% of the home sale price.

Benefits of an escrow account

The most important benefit of an escrow account is the financial protection it offers the buyer, seller and lender. As a home buyer, you are assured that your money will return to you if the deal falls through. As a seller, you can have peace of mind that you will be covered if the buyer backs out in the middle of the deal. As a lender, you can be sure that you will not face financial loss regardless of the outcome of the deal.

For homeowners, the escrow account eliminates the need to come up with a lump sum amount to cover taxes and insurance. Spreading the cost over the year makes it easier to have the payments made on time. At the same time, you don't have to keep track of the due dates of taxes and insurance premiums because they are being paid by your mortgage lender. 

Do you need an escrow account?

When you are buying a property, an escrow account is often a requirement by the lender and cannot be avoided, unless you are making over 50% down payment, have an incredible credit score or do not have a loan at all. While the benefits and peace of mind that escrow brings cannot be denied, there are certain downsides too. 

The biggest drawback of an escrow account is the higher mortgage rate, compared to what you would pay without escrow. You may also be charged a different amount for each payment because the rate of taxes and insurance premiums could rise and fall. The estimate of how much funds are needed in the escrow may not be accurate all the time, and you could end up overpaying.

It is not impossible to avoid an escrow. If you have enough savings to buy a house without a loan or pay off the mortgage with your own money, you can do without the higher costs of an escrow. Your annual income, credit score and your history of payments will determine whether or not you need an escrow account. 


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What Is Home Equity?


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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. 


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WHO Declares Monkeypox Outbreak A Global Health Emergency


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WHO Declares Monkeypox Outbreak a Global Health Emergency


WHO Declares Monkeypox Outbreak a Global Health Emergency

The World Health Organization on Saturday declared the monkeypox outbreak a global health emergency, as the number of cases, and countries reporting them, has climbed over the last month.

"We have an outbreak that has spread around the world rapidly, through new modes of transmission, about which we understand too little," WHO Director General Dr. Tedros Adhanom Ghebreyesus said during a press conference.

Tedros said there are now more than 16,000 reported cases from 75 countries, up from 3,040 reported cases from 47 countries a month ago. Five people have died as a result of the current outbreak, Tedros said. About 2,900 cases have been confirmed throughout the United States and Puerto Rico, according to the US Centers for Disease Control and Prevention.

Tedros said, however, that we have the tools to bring the outbreak under control, and he called on countries to carry out a coordinated response. That includes implementing measures for halting transmission and protecting vulnerable groups; increasing the monitoring of the outbreak's progress; speeding up research into vaccines and treatments; and developing recommendations for international travel.

Read more: What We Know About the Monkeypox Vaccine

Monkeypox spreads between people primarily through contact with infectious sores, scabs or bodily fluids, according to the CDC, but it can also spread through prolonged face-to-face contact via respiratory droplets or by touching contaminated clothing or bedding. Anyone can be infected with monkeypox, but so far many of the outbreak cases have involved men who have sex with men.

"Although I'm declaring a public health emergency of international concern," Tedros said, "for the moment, this is an outbreak that's concentrated among men who have sex with men, especially those with multiple sexual partners. That means that this is an outbreak that can be stopped with the right strategies in the right groups."

Tedros cautioned that "stigma and discrimination can be as dangerous as any virus" and he called on countries to adopt measures that "protect the health, human rights and dignity of affected communities."

He also said countries should work closely with those communities to develop services and outreach programs, and he said the WHO intends to partner with civil organizations, including groups with experience working with people who have HIV, to fight discrimination and stigma.

Gay and bisexual communities tend to have particularly "high awareness and rapid health-seeking behavior when it comes to their and their communities' sexual health," Dr. Hans Henri P. Kluge, the WHO's regional director for Europe, said in a statement at the end of May, noting that those who sought early health care services should be applauded.

A monkeypox infection typically begins with flulike symptoms, including fatigue, intense headache, fever and swollen lymph nodes. Within one to three days of a fever developing, according to the CDC, a rash or sores develop and can be located pretty much anywhere on the body, including the hands, genitals, face, chest and inside of the mouth.

Read more: What to Know About Monkeypox

Notably, some people never experience flulike symptoms, the CDC says, and people may experience all or only a few of the typical monkeypox symptoms. For safer sex and social gatherings where people may be in close contact with other peoples' bodies, the CDC has a fact sheet for practices to consider.  

Close contact is a key element in the transmission of monkeypox. That, along with the fact that the virus that causes monkeypox appears to have a slower reproduction rate than the COVID-19 virus, sets it apart from the ongoing COVID-19 pandemic, Dr. Tom Inglesby, director of the Center for Health Security at the Johns Hopkins Bloomberg School of Public Health, said last month at a media briefing.

CNET's Jessica Rendall contributed to this report.

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.


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