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Inflation, Interest Rates and Jobs: How Today's Economy Compares to Recessions of the Past
Inflation, Interest Rates and Jobs: How Today's Economy Compares to Recessions of the Past
This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.
What's happening
There's still debate about whether the US economy is officially headed into a recession, but the economic downturn is causing widespread stress.
Why it matters
Periods of financial volatility and market decline can drive people to panic and make costly mistakes with their money.
What's next
Examining what's happening now -- and comparing it with the past -- can help investors and consumers decide what to do next.
Facing the aftershocks of a rough economy in the first half of 2022, with sky-high inflation, rising mortgage rates, soaring gas prices and a bear market for stocks, leading indicators of a recession have moderated slightly in the past month. That could mean the economic downturn won't be as long or brutal as expected.
Still, the majority of Americans are feeling the sting of rising prices and anxiety over jobs. The country has experienced two consecutive quarters of economic slowdown -- the barometer for measuring a recession -- even though the National Bureau of Economic Research hasn't made the "official" recession call.
At a time like this, we should consider what happens in a recession, look at the data to determine whether we're in one and try to maintain some historical perspective. It's also worth pointing out that down periods are temporary and that, over time, both the stock market and the US economy bounce back.
I don't mean to minimize the gravity and hardship of the times. But it can be useful to review how the economy has behaved in the past to avoid irrational or impulsive money moves. For this, we can largely blame recency bias, our inclination to view our latest experiences as the most valid. It's what led many to flee the stock market in 2008 when the S&P 500 crashed, thereby locking in losses and missing out on the subsequent bull market.
"It's our human tendency to project the immediate past into the future indefinitely," said Daniel Crosby, chief behavioral officer at Orion Advisor Solutions and author of The Laws of Wealth. "It's a time-saving shortcut that works most of the time in most contexts but can be woefully misapplied in markets that tend to be cyclical," Crosby told me via email.
Before you make a knee-jerk reaction to your portfolio, give up on a home purchase or lose it over job insecurity, consider these chart-based analyses from the last three decades. We hope this data-driven overview will offer a broader context and some impetus for making the most of your money today.
What do we know about inflation?
Historical inflation rate by year
Macrotrends.net
Current conditions: The US is experiencingthe highest rate of inflation in decades, driven by global supply chain disruptions, the injection of federal stimulus dollars and a surge in consumer spending. In real dollars, the 8.5% rise in consumer prices over the past year is adding about $400 more per month to household budgets.
The context: Policymakers consider 2% per year to be a "normal" inflation target. The country's still experiencing over four times that figure. The 9.1% annual rate in July was the largest jumpin inflation since 1980 when the inflation rate hit 13.5% following the prior decade's oil crisis and high government spending on defense, social services, health care, education and pensions. Back then, the Federal Reserve increased rates to stabilize prices and, by the mid-1980s, inflation fell to below 5%.
The upside: As overall inflation rates rise, the silver lining might be increased rates of return on personal savings. Bank accounts are starting to offer more attractive yields, while I bonds -- federally backed accounts that more or less track inflation -- are attracting savers, too.
What's happening with mortgage rates?
30-year fixed-rate mortgage averages in the US
Current conditions: As the Federal Reserve continues its rate-hike campaign to cool spending and try to tame inflation, the rate on a 30-year fixed mortgage has grown significantly. In June, the average rate jumped annually by nearly 3 percentage points to almost 6%. In real dollars, that means that after a 20% down payment on a new home (let's use the average sale price of $429,000), a buyer would roughly need an extra $7,300 a year to afford the mortgage. Since then, rates have cooled a bit, even dipping back down below 5%. What happens next with rates depends on where inflation goes from here.
The context: Three years ago, homebuyers faced similar borrowing costs and, at the time, rates were characterized as "historically low." And if we think borrowing money is expensive today, let's not forget the early 1980s when the Federal Reserve jacked up rates to never-before-seen levels due to hyperinflation. The average rate on a 30-year fixed-rate mortgage in 1981 topped 16%.
The upside: For homebuyers, a potential benefit to rising rates is downward pressure on home prices, which could cause the housing market to cool slightly. As the cost to borrow continues to increase with mortgages becoming more expensive, homes could experience fewer offers and prices would slow in pace. In fact, nearly one in five sellers dropped their asking price during late April through late May, according to Redfin.
On the flip side, less homebuyers mean more renters. Rent prices have skyrocketed, and housing activists are asking the White House to take action on what they call a "national emergency."
What about the stock market?
Dow Jones Industrial Average stock market index for the past 30 years
Macrotrends.net
Current conditions: Year-to-date, the Dow Jones Industrial Average -- a composite of 30 of the most well-known US stocks such as Apple, Microsoft and Coca-Cola -- is about 8.5% below where it started in January. Relative to the broader market, technology stocks are down much more. The Nasdaq is off almost 19% since the start of the year.
The benchmark S&P 500 stock index hit lows in June that marked a more than 20% drop from January, which brought us officially into a bear market. Since then, it's bounced back up a little, but some experts warn that a current bear market rally is at odds with expected earnings and we could see even lower stock prices in the near future.
The context: Stock price losses in 2022 are not nearly as swift and steep as what we saw in March 2020, when panic over the pandemic drove the DJIA down by 26% in roughly four trading days. The market reversed course the following month and began a bull run lasting more than two years, as the lockdown drove massive consumption of products and services tied to software, health care, food and natural gas.
Prior to that, in 2008 and 2009, a deep and pervasive crisis in housing and financial services sank the Dow by nearly 55% from its 2007 high. But by fall 2009, it was off to one of its longest winning streaks in financial history.
The upside: Given the cyclical nature of the stock market, now is not the time to jump ship.* "Times that are down, you at least want to hold and/or think about buying," said Adam Seessel, author of Where the Money Is. "Over the last 100 years, American stocks have been the surest way to grow wealthy slowly over time," he told me during a recent So Money podcast.
*One caveat: If you're closer to or living in retirement and your portfolio has taken a sizable hit, it may be worth talking to a professional and reviewing your selection of funds to ensure that you're not taking on too much risk. Target-date funds, a popular investment vehicle in many retirement accounts that auto-adjust for risk as you age, may be too risky for pre- or early retirees.
What does unemployment tell us?
US unemployment rates
Current conditions: The July jobs report shows the unemployment rate holding steady, slightly dropping to 3.5%. The Great Resignation of 2021, where millions of workers quit their jobs over burnout, as well as unsatisfactory wages and benefits, left employers scrambling to fill positions. However, that could be changing as economic challenges deepen: More job losses are likely on the horizon, and an increasing number of workers are concerned with job security.
The context: The rebound in theunemployment rate is an economic hallmark of the past two years. But the ongoing interest rate hike may weigh on corporate profits, leading to more layoffs and hiring freezes. For context, during the Great Recession, in a two-year span from late 2007 to 2009, the unemployment rate rose sharply from about 5% to 10%.
Today, the tech sector is one to watch. After benefiting from rapid growth led by consumer demand in the pandemic, companies like Google and Facebook may be in for a "correction." Layoffs.fyi, a website that tracks downsizing at tech startups, logged close to 37,000 layoffs in Q2, more than triple from the same period last year.
The upside: If you're worried about losing your job because your employer may be more vulnerable in a recession, document your wins so that when review season arrives, you're ready to walk your manager through your top-performing moments. Offer strategies for how to weather a potential slowdown. All the while, review your reserves to see how far you can stretch savings in case you're out of work. Keep in mind that in the previous recession, it took an average of eight to nine months for unemployed Americans to secure new jobs.
§
What's happening
Home prices overall are up by 37% since March 2020.
Why it matters
Surging home prices and higher interest rates make monthly mortgage payments less affordable.
What's next
Rising mortgage rates will make borrowing money more expensive, which will lessen competition to buy homes and eventually flatten prices.
Home prices continued to skyrocket in March as buyers tried to stay ahead of rising mortgage rates.
Prices increased by 20.6% this March compared to last year, according to the S&P CoreLogic Case-Shiller Indices, the leading measures of US home prices. This was the highest year-over-year increase in March for home prices in more than 35 years of data. Seven in 10 homes sold for more than their asking price, according to CoreLogic.
Out of the 20 cities tracked by the 20-city composite index, Tampa, Phoenix and Miami saw the highest year-over-year gains in March. Tampa saw the greatest increase, with an almost 35% increase in home prices year-over-year. All 20 cities experienced double-digit price growth for the year ending in March.
The strongest price growth was seen in the south and southeast, with both regions posting almost 30% gains in March. Seventeen of the 20 metro areas also saw acceleration in their annual gains since February.
"Those of us who have been anticipating a deceleration in the growth rate of US home prices will have to wait at least a month longer," said Craig Lazzara, managing director at S&P DJI, in the release. "The strength of the Composite indices suggests very broad strength in the housing market, which we continue to observe."
Since the start of the pandemic in March 2020, home prices overall are up by 37%. The current surge in home prices is a result of tight competition between buyers in a low-inventory market as they attempt to lock in lower mortgage rates before rates jump even higher throughout the year, as experts predict they will.
If you're considering buying a new home -- or are actively in the market -- the news isn't all bad. Interest rates are at their highest point in more than 40 years, and one potential benefit of that may, eventually, be downward pressure on home prices. As it becomes increasingly expensive to borrow money, fewer people will seek to do so, and homes for sale may receive fewer offers leading to, eventually, lower prices. In fact, nearly one in five sellers lowered their asking price during a four-week period in May and April, according to Redfin.
"Mortgages are becoming more expensive as the Federal Reserve has begun to ratchet up interest rates, suggesting that the macroeconomic environment may not support extraordinary home price growth for much longer," said Lazzara. "Although one can safely predict that price gains will begin to decelerate, the timing of the deceleration is a more difficult call."
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Best Ceramic Coating for 2022
Best Ceramic Coating for 2022
Listen to the hype about ceramic auto paint coatings and you might get the idea that a ceramic top coat will protect your vehicle from falling tree limbs. It won't. The best ceramic coatings will give your car or truck its best defense against settling airborne chemicals and pollutants, tree sap, road and sea salt, bird poop and the sun's harmful ultraviolet rays. They'll also deliver a gorgeous sheen that's hard to beat.
Think of ceramic coating as a harder, more protective clear coat for your paint's clear coat. It's the best, most durable way to protect your vehicle's finish, short of a full transparent film wrap, and its hydrophobic (water sheeting) properties make cleaning much, much easier. A properly applied ceramic coating can last for years.
The best ceramic coatings require differing amounts of time and energy to apply, but all require some level of sweat equity and commitment (there's a reason automotive detailing shops get big bucks to professionally apply ceramic). There's a lot of white noise about ceramic coatings and literally hundreds of products to choose from. We've waded through the hype and chosen the best OTC ceramic coatings for a variety of circumstances, purposes and commitment levels based on expert knowledge and opinion, user ratings and personal experience. Click through our best ceramic coatings to understand your options, then read on for a primer on what this amazing technology will and won't do for your vehicle and how best to use it.
CarPro
CarPro CQuartz UK 3.0 is the top over-the-counter product from a Malta-based company that pioneered automotive ceramic coatings in the early 21st century. It contains 70% silicon dioxide that's 99% pure and it leaves what might be the deepest wet-look gloss we've seen. It delivers all the durably protective properties only true ceramic coatings can.
Better still, CQuartz UK 3.0 is not terribly difficult to apply, as pro-grade ceramic coatings go. It's much less finicky about air temperature during application than other serum-type ceramic liquids (anything between 40 and 100 degrees Fahrenheit will work). Its initial hardening time is longer than most, so there's more time to spread and work. Yet it fully cures in only 60 minutes, so you can take a blast by the time you clean up. Or you can build layers during a single-day session, if you want even longer protection. CarPro projects 18 to 24 months of full hydrophobic performance for each layer applied. Every bottle is labeled with its production date and it's guaranteed to remain fully pliant for one year
In short, CarPro CQuartz UK 3.0 is the best combination of quality and ease of application we've encountered and the kit includes almost everything you need. According to users (and CarPro's own math), the included suede applicator wraps will be used up before a medium to large size vehicle is coated, so you might want to order some extras.
Nasiol
Like our best overall ceramic coating product, this kit comes from a company that has been in the ceramic coating business since the beginning. Indeed, Turkey-based Nasiol manufacturers a range of nano-ceramic protectants, including coatings for countertops, marine products, wood and clothing. The chemistry in ZR53 Nano Ceramic coating is impeccable. It goes on in one coat, delivers a rich shine and 9H hardness and should last at least three years in all conditions. The kit includes ZR53 ceramic coating, application pads, gloves, two microfiber cloths and other accessories.
So what's not to like? You'd better know what you're doing when you lay this ceramic down. It needs to go on thin and even and that's easier said than done. Trickier still, it starts to harden in as little as 20 seconds. It's imperative to work small, and quickly, because if it's not buffed before it dries, it can leave streaks or uneven clouds. And the only way this stuff is coming off is with ultra-high PH detergent you won't find at your local hardware store, or with pro-skill power wheeling and enough experience to get it without going into the paint underneath.
Mothers
How difficult is applying Mothers CMX Ceramic Spray Coating? You spray it on an applicator pad, spread it evenly, let it set about five minutes and buff it lightly with a microfiber towel. Then you let it cure for 24 hours. In other words, it goes on easier than conventional "wax on, wax off" carnauba or polymer auto coatings. While it won't last as long as more expensive (and more challenging) ceramic coatings, it will last multiples longer than most of those conventional carnaubas and polys. Or a year or so, depending on how much your car sits out in the sunlight and smog.
You can also layer CMX Ceramic Spray with two or three consecutive coats, leaving those 24 hours in between, before you ever pull the car from the garage. That will extend its durability. Either way, it will provide better hydrophobic protection than most carnaubas and poly waxes, keeping your paint safer and your car cleaner and making your car easier to wash. With application this easy there shouldn't be too much trouble finding time to shine your car once a year.
Nexgen
Nexgen Ceramic Spray can leave flecks and streaks that take some serious elbow grease to buff out. That's almost certainly because you sprayed too much on the paint to begin with. Use less, work less. The eight-ounce bottle is enough for four or five mid-size cars. Once it's on, Nexgen leaves a slick shine and something you don't get in many easy-app ceramic sprays.
That would be a whole lot more silicon dioxide in the formula and silicon dioxides are what thatch the coating molecules together and bond the ceramic to your paint. Nexgen claims it has the highest concentration of SiO2 in any over-the-counter spray; at 13%, double what many have. That should mean that its liquid-shedding, chemical protecting gloss will last longer than the typical easy-app ceramic spray.
Meguiar's
Meguiar's Hybrid Ceramic Liquid Wax is more like a conventional wax formula infused with silicon dioxides to bond the molecules and build that ceramic barrier and there's something to be said for familiarity. It goes on like conventional liquid in a circular motion and dries to a haze that you buff off. To be sure, the haze is lighter than old-school wax residue and less work to remove. It's really hard to mess this stuff up.
What's left when you're finished is a deep, mellow shine and extreme water-beading action. Moreover, the haze makes it harder to miss spots and easier to gauge even coverage and Meguiar's Hybrid will not whiten non-painted trim or rubber gaskets.
Drexler
Drexler is a relatively new, small-volume company in France that warrants some of its ceramic coatings up to 10 years. Its over-the-counter ceramic for vehicles is applied in two stages: one liquid, one spray. It's time consuming (at best) to apply, but not terribly tricky and the manufacturer offers an on-line tutorial.
What you get for the trouble is a hard 9H finish that should minimize light scratching as effectively as any ceramic coating can. It's intended to last five years or more, like many of the professionally applied, detail-shop ceramics. Drexler claims that with moderate hose pressure (say, from a low-grade pressure washer), virtually anything stuck to a Drexler-coated vehicle will rinse off without rubbing.
Weiruixin
This product originates in China and delivers pro-grade chemistry for the price of good, easy-application, consumer-grade detailing products, with applicator, towels, etc. in the package. Weiruixin claims 10H Ceramic Coating 3.0 has an industry best 10H hardness rating and remains bonded at temperatures up to 1,400 degrees Fahrenheit. It guarantees its hydrophobic properties for at least two years... or your money back.
We wouldn't want to have to chase that $25, but the indicators suggest this could be a good product for not much money, if you're willing to make it work. Experience tells us that it won't be easy to use. The thick fluid will be temperature sensitive, demanding room-temperature, no-dust application conditions and you'll have to keep your car dry and shaded for seven days for it to fully cure. If you lack pro-grade skills, better to choose something like our best cheap and easy ceramic coating. You'll be much happier with the process and maybe even with the results.
Mothers
Remember the first fundamental rule of all ceramic coatings: Surface or paint preparation matters at least as much as the coating itself. The coating simply protects and shines whatever is underneath and it will last longest when its bond with the paint is strongest.
Now, you could spend thousands of dollars or a week's worth of hard work on a full paint correction for your daily-driving 2008 Subaru Impreza. Or you could get Mothers' relatively inexpensive CMX Surface Prep. CMX Surface Prep is pH neutral and biodegradable, and it strips oil, grease, wax and other chemical residue without harming the paint-as easily as cleaning the windows. Just spray CMX Surface Prep on the paint and wipe it off. It won't do much about existing swirl marks or scratches, but it will leave a chemically spotless foundation that helps ensure maximum bonding for the ceramic coating that follows.
Mothers
Like our best minimalist ceramic coating prep (Mothers CMX Surface Prep), CMX Ceramic 3-in-1 Polish & Coat removes grease, old wax and other chemical residue in advance of your ceramic coating application. Yet 3-in-1 adds a light polishing compound, so with a dose more elbow grease or a polishing wheel, it can also remove swirl marks, light scratches, oxidation and other imperfections in the paint.
Better still, Mothers CMX Ceramic 3-in-1 Polish & Coat includes mineral oxides like those in the ceramic coating itself, so it leaves a nice, hard gloss when you're finished. It's hardy enough to leave as it is, but it also provides a fantastic primer coat for a full ceramic coating on top. It won't deteriorate an existing ceramic coating, either, and that makes it a great refresher to invigorate and deepen a good coating that's a couple years old with less work (and cost) than starting from scratch.
Comparison of the best ceramic coatings for 2022
Product
Price
Best ceramic coating overall
CarPro CQuartz UK 3.0 Kit
$83
Best ceramic coating for pro-skill home detailers
Nasiol ZR53 Nano Ceramic Coating Kit
$118
Best cheap and easy ceramic coating
Mothers CMX Ceramic Spray Coating
$18
Best ceramic coating for home detailing newbies
Nexgen Ceramic Spray
$35
Best old school/new school ceramic wax
Meguiar's Hybrid Ceramic Liquid Wax
$25
Best ceramic coating for off-roaders
Drexler Ceramic Car Coating Kit
$74
Best cheap ceramic coating for pro-skill home detailers
Weiruixin 10H Ceramic Coating 3.0 Kit
$25
Best minimalist prep for any ceramic coating
Mothers CMX Surface Prep
$13
Best stage 1 upgrade prep for any ceramic coating
Mothers CMX Ceramic 3-in-1 Polish & Coat
$13
Mothers
Ceramic coatings 101
Somewhere in or under your automobile, there's almost certainly some ceramic coating. Automakers have been using it for years because it's the best protective finish for a variety of parts, including wheel hubs, interior trim bits and things you'll see if you lift the hood. You just won't have ceramic coating on your vehicle's finish paint unless you put it there yourself.
Ceramic coatings can have different names -- nano ceramic, quartz or silica coatings -- and come in various forms. There are thermal sprays, dry powder coatings and wet chemical sprays or liquids. There are different auto-detailing ceramics for different surfaces like wheels, paint, windows or trim. In this report we'll focus on the paint, though some products will work on all of the above. Some of them aren't ceramic coatings in the original form. They're hybrids manufactured like more conventional auto waxes and infused with the key ingredient that makes ceramic coatings "ceramic."
That ingredient is silicon dioxide (SiO2), which bonds the coating at a molecular level to itself and the paint underneath, then cures to form a hard, hydrophobic (impenetrable to water) layer on top of the paint. The silicon dioxide is extracted from natural materials like quartz or sand. Over the years, some ceramic coating manufacturers have added titanium dioxide (Ti02) or more complex silicon compounds such as silicon nitride (Si3N4 9) and silicon carbide (SiC) to their formulae. These can increase the performance of the coating.
Any ceramic coating worth the name will have at least 5% silicon dioxide. The best consumer-grade ceramics have SiO2 concentrates in the 70-80%range, though these can also be the most difficult to apply. Professional detailers and installers typically use ceramic coatings with SiO2 concentrations between 93 and 97%. Other things equal, the higher the SiO2 percentage, the stronger and more durable the coating becomes, and the more money it costs.
In ceramic coatings, other things are rarely equal. The overall performance and price of the product is at least as important as the amount of silicon dioxide. Every ceramic coating also has polymers (more conventional bonding chemicals), glossing agents, curing compounds and or other ingredients. While most manufacturers keep their exact formula proprietary, their products must do more than protect. They must also maximize shine and make application consistent, if not necessarily easy. While the level of silicon dioxide is important to a ceramic coating's overall durability, it's not the only thing that determines a coating's overall performance, in terms of how it looks on your car and how easy or difficult it is to put there.
Meguiar's
Ceramic coatings are sometimes rated with a number before the letter H like 8H or 9H. Contrary to published claims and popular belief, this is not a rating on the Moh scale, which is used by geologists to rank mineral hardness from 1 to 10 (the surface of a copper penny is about 3.5H on the Moh scale, while a diamond is 10H). Rather, the ratings for ceramic coatings will be based on the Wolff-Wilborn Pencil Hardness Test. A pencil hardness test drags increasingly hard graphite pencils across the surface of a coating. The resultant number identifies the softest pencil that will leave a scratch on the coating. A 9H in a pencil hardness test demonstrates about the same surface hardness as the copper penny on the Moh scale, and while that's not diamond grade, it's still pretty darn hard. By pencil hardness, the standard clear coat paint on your car or truck is somewhere between 2H and 4H. That means a 9H ceramic coating is 2.25 to 4.5 times harder to scra tch.
Over-the-counter ceramic coatings are, obviously, intended for use by DIY auto detailers. In the simplest terms, application is similar to traditional automotive wax: You spread the ceramic on in some fashion and then buff it (though not necessarily off). Yet anyone who's done much automobile waxing knows the simplest terms don't fully explain the level of energy required. The best do-it-yourself ceramic coatings and the best results demand some level of sweat equity, in both surface preparation and application. The best in terms of durability or long-term protection are usually the most demanding. If you mess a high-grade ceramic coating up, it will be really, really hard to get off.
It's no coincidence that high-end detailing shops (sometimes called auto spas) have boomed in the era of ceramic coatings. The good shops know what they're doing and they can almost certainly do it better than you can. There are nonetheless a range of great consumer-grade ceramic coatings out there, suitable for everyone from raw DIY detailers to those with pro-grade skills. Those products can leave the paint on your car or truck looking gorgeous... and a you that's proud of what you accomplished, wherever you rank in the detailing-skills pecking order.
We'll get to the details of ceramic coating preparation and application shortly, but if you plan to do it yourself you need to start by gauging how much time and energy you're willing to commit. And by not overestimating your skills. And by considering what you're willing to do if it goes wrong.
First, let's get specific about the real benefits of ceramic coatings and the myths.
Nasiol
What ceramic coatings will (and won't) do
The best ceramic coatings will give your car or truck an incredible shine and probably a better shine than it's ever had before. Professional detailers and some car geeks know that shines can be different like the deep, mellow, lusty shine of perfectly applied, old-school carnauba wax or the more aggressive, wet-look shine of subsequent polymer sealants. The best ceramic coatings span a similar spectrum, but all of them will leave you looking over your shoulder and admiring as you walk away from your vehicle in a parking lot. They'll keep your car cleaner, longer and they'll make it look like you just re-waxed it every time you wash it.
At least as importantly, the best ceramic coatings will protect your car's paint better than any conventional carnauba or poly wax can. Think of any wax or sealant as a transparent sacrificial layer that can be removed or reapplied as necessary to protect the paint underneath it. Ceramic coating is just harder and less porous than more conventional waxes, so it makes it more difficult for anything that settles on the paint to penetrate or even stick. We're talking things like airborne chemicals and pollutants, overspray of any type, tree sap, bird droppings, road or sea salt or the sun's relentless UV rays. Ceramic coating is the best chemical barrier against the harmful effects of multiple substances that can damage paint and diminish its appearance over the years, even moreso if your car lives outside. It will fill the role of sacrificial layer better than any carnauba or poly was and it can do so more economically.
That's because, thanks to silicon dioxide and all that molecular bonding, ceramics stay put a lot longer. A relatively inexpensive, easy application, ceramic spray can protect for a year or so. To maintain peak performance with a traditional wax-on, wax-off carnauba or poly coat, you'll need to lay down a new layer every three or four months. The manufacturers of some more expensive ceramic liquids warranty their product for two years. (We are not weighing in on how difficult or fruitful it might be to make a claim on those warranties.) We've known consumer-grade ceramic liquids that have lasted close to five years before their hydrophobic properties start to diminish. Detailing shops in urban areas around the country, including Motor City Auto Spas in greater Detroit, will guarantee their ceramic applications five, seven or 10 years, depending on the product used.
"We'll guarantee our top product for life, if the car is relatively new, with an annual inspection and detail," says Motor City founder and CEO Matt Lifter. "Short of the annual visits we'll guarantee seven years. Not even acidic solvents like wheel or brake-dust cleaners will take it off. It's really amazing stuff."
Mothers
Ceramic coating is more durable than wax or poly in another sense because it's much harder. That means it's more resistant to light scratches or paint swirls (those spiraling curves that can develop in clear coat after years of washing). Indeed, a ceramic-coated vehicle that's washed properly (no drive-thrus) is nearly immune to paint swirls.
We emphasize "resistant" above because no ceramic coating is scratch proof, even if some to the wildest marketing hype suggests that it might be. Drag a key along a door panel on a ceramic-coated car and the panel will definitely scratch. Throw pebbles at it hard and it will nick. Bottom line: Ceramic-coated cars are still susceptible to rock chips. Some road rash is still likely to build up over the miles and years.
If your overriding goal is preventing rock chips or road rash, better look past ceramic coating. In the current state of auto protection, that would mean looking toward transparent film or "wraps."
Not up to speed on wraps? Vinyl auto wrap is a blend of polyvinylchloride and additives that make it flexible and resistant to UV light and sometimes add color. The additives are blended, dropped onto moving sheets of PVC, then baked and cured. Transparent wrap is virtually invisible on your car's paint, except for barely perceptible edges where the wrap might end and give way to unprotected paint, and it provides an actual, physical cushioning barrier between the paint and whatever the road throws at it. Good wrap will self-heal, so if a high-velocity pebble takes a divot out of the protective barrier, light and heat will actually close and smooth it again.
Drexler
Wrap will get you closer to proofing your car from scratches, rock chips or road rash than any ceramic coating can. It is also considerably more expensive than ceramic (the product) and significantly more difficult to apply. While some brave amateurs have tried, we wouldn't think about doing this ourselves.
Before we get to the process of applying ceramic, there's one more myth to address: Yes, even with the best ceramic coating, you will still have to wash your car.
We're compelled to make this point because a lot of the hype out there seems to suggest you'll never have to wash your car again. We assure you you'll have to do it less often, but dirt, road salt and other appearance-marring substances will eventually build up on the ceramic. The good news, beyond the fact that you'll wash it less, is that your ceramic coated vehicle should be much easier to wash than it was before the ceramic coating: generally no repeated rubbing back and forth over sticky, embedded stuff (which is another reason ceramic can keep swirl marks to a minimum) and usually more like a wipe and rinse. Indeed, some ceramic manufactures promise that, with proper application and sufficient water pressure, anything on your paint will rinse off without rubbing. Finally, know that washing can still leave water spots on ceramic coated cars, depending on the mineral content in your water source. Always towel dry.
On to the work at hand.
Mothers
Layin' it down
Professional-grade ceramic coatings are usually thick, almost glue-like and often require more than one step in the curing process. Consumer-grade ceramics are generally more forgiving to apply, though the most durable can be tricky. If you've browsed our best list, you've seen that there are several types of over-the-counter ceramic coatings. Even the most modestly priced, easiest-to-apply ceramics should outperform comparably priced conventional waxes when it comes to protection and longevity.
Whichever you choose, you must understand the first rule of ceramic coatings (or conventional carnauba and poly waxes, for that matter): surface or paint preparation matters at least as much as the coating itself, and more so if the paint is in poor shape to begin with. The coating simply protects and shines whatever is underneath and it will last longest when its bond with the paint is strongest. Without any prep, you're going to make those scratches or tar flecks or bits of oxidation shine for a long time.
"I'd say on average, our prep is four to five hours," says Lifter, whose Motor City Auto Spa has been doing ceramic since the early days (ed. note: that's four or five hours from efficient, well-trained techs). "It's at least two or three times more time than the actual application. Sometimes the prep can take two full days, but we can't guarantee our product without it."
You can expect a detailing shop to undertake most or all of these steps in advance of applying ceramic coating: Washing the vehicle with an appropriate detergent and sometimes a power washer; "Claying" the paint from stem to stern, or rubbing it with soft clay slabs and a lubricating fluid to remove sap, tar and other substances from the clear coat's pores; Polishing with a compound and a power pad, which can be the trickiest part depending on the age and depth of the paint, to remove swirls, scratches and oxidation; Wiping with a chemical cleaner to remove the final vestiges of dust, grit, waxes or grease.
Mothers
Now, you can do all those things yourself, if you have the inclination and fortitude and the time. It's always worth it, even on a beater with decent paint. You have to decide what you're willing to try. If it's your baby, which only leaves the garage on nice days for car meets or weekend blasts, you probably need to suck it up and try the full Cleveland. It will pay big in the final results. If it's a car you use for track days or the 10-year-old Civic that gets you reliably and satisfyingly to work and the paint still looks good, you can get away with a clay and chemical wash.
If you lean toward the less-work end of the prep spectrum, we urge you to at least undertake the chemical wash (after a good water wash). Using a product like Mothers CMX Surface Prep is essentially like washing windows. You spray it on and wipe it off, and it leaves a squeaky, chemical-free foundation that will ensure a solid bond between the ceramic and the paint. If you're up to a little more elbow grease or have an easy oscillating buffer, try something like Mothers 3-in-1 Prep & Coat. It adds a light polishing compound, so the extra rubbing will take care of a lot of the swirls and light scratches and leave a nice, polished finish.
Given the steps in proper preparation, you might surmise that the best time to apply ceramic coating is when a car is brand new or nearly so. You'd be correct. New cars (for lack of wear) require the least amount of paint correction. Detail shops will often guarantee their ceramic coatings longest when they're applied to new vehicles. If your car is already a few years old, you've got what you got. Just remember that your final ceramic-coating results will be directly related to how well the paint is prepped.
When it's time to actually apply the coating, follow these general rules. Do not apply in direct sunlight, or to paint that's hot to the touch. Do it in a garage, if there is enough light, or borrow one of those cheap outdoor canopies, if that's the next best option. Zero dust is best, and nearly impossible to achieve short of full climate-control conditions, but keep that objective in mind as you set up to start coating. An ambient temperature of about 70 F is ideal; your specific product's instructions will give you a range of acceptable application temps.
Definitely read those instructions and watch the videos on your product manufacturer's website (if available). Time spent now will be time saved during the application, and it will likely improve the end results.
Mothers
Ceramic liquids are invariably what the pros use and typically have the highest silicon-dioxide concentration in consumer-grade coatings. Most come in kits with an applicator sponge and soft cloths to wrap it. Some come with microfiber towels for buffing. It never hurts to have extra application clothes.
To start, you'll wrap the applicator with one of the clothes and spot it with the ceramic coating, sometimes as little as several drops. Working in small areas, spread the coating as evenly as possible. Your product will have its own recommendation on "small," but it's not going to be more than two feet square. Over the next few minutes, depending on the product, the moisture in the ceramic will evaporate to a point where the surface gets a gleaming, almost oily look (sometimes called flashing). That's when you buff with a microfiber towel. When you're happy with what you see, start a new section.
Too little product will be better than too much. The typical 50 ml bottle of ceramic liquid can be enough for multiple cars and too much on the surface is a frequent cause of bad results. Change the applicator cloth and the polishing rags frequently, because if the coating hardens on the rags, it can definitely scratch the paint. If you have any hope of reusing the rags or applicators, throw them in a bucket of water to keep the ceramic from setting until you can wash them thoroughly.
Once you've made your way around your vehicle, leave it sitting out of the sun (and the rain) for as long as it takes for the ceramic to cure. Your product instructions will tell you specifically. Touch contact is typically allowed in 60 minutes to six hours. Liquid contact usually requires at least 24 hours, though it can take up to seven days.
Nasiol
"You've got to make sure the prep is good, but we already said that," veteran ceramic pro Lifter reminds home detailers. "Stay small [in the application area] as you progress, and don't think because you've successfully applied a couple small patches you can expand to bigger sections. Staying small is the best way to avoid high spots. We've had a few customers bring us messes because they lost track of that idea."
The worst-case outcome with consumer grade ceramic liquids is relatively rare, but it happens. It's usually the result of too much product applied in too big an area for the workable set time and is an uneven mess of ridges and cloudy high spots on the paint that is really, really hard to get off. Remember that this stuff is designed to last for years. The only options are looking at the mess every time you get in your car for years, or heading to a good detail or body shop, where a pro-skill polisher might get it off without wrecking the paint. That's going to cost you as much or more than what you hoped to save by applying the ceramic coating yourself.
If you're not willing to accept that risk, we suggest at least starting with one of our relatively inexpensive best ceramic sprays. The general rules are the same: Use it in the best conditions you can create, use less than you might think you need and work small. Thanks to the viscosity of the sprays, which sometimes include lubricants, and to the way they set up, they're loads more forgiving than most liquids. And they're easy enough that you can apply two or three layers in short order, as long as you respect the cure time.
Finally, whichever product you use, don't neglect your health and safety. These products are industrial-grade chemicals. You definitely want to avoid sucking the vapors into your lungs and you want to keep the liquid off your skin. Work in a well-ventilated space and wear a ventilator or a chemical mask (we should be used to masks by now). Definitely wear gloves (many kits include them); it's not a bad idea to wear a long-sleeve shirt, too.
Mothers
Are you ready?
There might be a couple big-picture questions to ponder before you tear into this ceramic coating thing. If you own multiple vehicles, which do you most want to protect as best you can? How much money do you have to spend on your cars?
If the answer to that second question is as much as you need to spend, have ceramic coating professionally applied. Or maybe think about a full wrap with transparent film. It will cost more than pro-applied ceramic, but it has advantages, as previously noted.
If you only have as much money to protect your paint as you can get away with, think creatively. Maybe you pay the pros for a limited wrap (say the front fascia, door sills and rear fender bulges) and put ceramic on everything including the wrap yourself. That might be your most efficient use of resources. Or maybe you just take a nice day and apply a relatively inexpensive ceramic spray.
Unless you have the full inventory of tools, climate-controlled car space, the right skills, years of experience and a lot of time, you will not get the same results and durability as a professional establishment applying high-grade ceramic coatings. What you can get is an awesome gloss that protects much better and lasts years longer than conventional carnauba or polymer auto waxes, for up to thousands less than you might pay the pros.
That's not bad at all.
Written by J.P. Vettraino for CNET Cars.
More car cleaning recommendations
Ceramic coating FAQs
What is ceramic coating and is it worth it?
Ceramic coatings, sometimes called nano-ceramic, quartz or silica coatings, were developed in the early part of the 21st century. They're applied to automobiles in very generally the same fashion as old-school liquid or paste waxes: spread on and buff. They universally contain silicon dioxide (SiO2), derived from quartz or sand. Over the years, some manufacturers have added other mineral compounds, including titanium dioxide (Ti02) or more complex silicon compounds such as silicon nitride (Si3N4 9) and silicon carbide (SiC). These compounds bond the coating at a molecular level to itself and the paint underneath, then cure to form a hard, hydrophobic layer on the paint. It's the primary reason ceramic coatings last.
Worth it? Loaded question, but yes, ceramic coatings are worth it. The least expensive consumer-grade ceramics don't cost much more than traditional waxes and don't take any longer to apply. Properly done, they'll work better and last longer.
How much does a ceramic coating cost?
It can be $1,000 or more when it's professionally applied by product-certified auto detailers. Consumer-grade ceramics can cost in excess of $100 for top-grade durability and performance and can be tricky to apply. Ultimate results are directly related to cost or time and energy invested, yet even the least expensive, easiest-to-apply ceramics (about $20) should out-perform conventional wax of a similar price.
Is ceramic coating easy to apply?
Yes, and no. Generally, the most protective and durable ceramic coatings are the most difficult or time consuming to apply and the trickiest. Experienced do-it yourself detailers shouldn't have too much trouble with any of them, but it takes work and occasionally disasters ensue. Easy ceramic sprays or hybrids are easier than traditional wax-on, wax-off sealants to apply. They'll shine at least as well as the conventional waxes, protect better and last longer.
Just remember: the ceramic coating will only shine and protect whatever is underneath it, so you can end up with some really shiny scratches and tar flecks. Final appearance and durability are directly related to the amount of paint prep that precedes the actual coating. If your paint is in reasonably good shape, we at least recommend a spay-and-wipe prep solution, which will remove old wax and chemical residue and ensure a solid foundation that maximizes the bond between the coating and paint.
How do I maintain a ceramic-coated car?
You wash it, until the coating's hydrophobic properties start to wane and that can be years. Washing will be easier than ever: You won't have to wash your vehicle as often as you did before the ceramic coating and you shouldn't need strong detergents. Ceramic coatings work partly because far fewer substances stick to them than to old-school carnauba or polymer waxes, sort of like Teflon on a frying pan. Those substances that do settle are much more easily removed.
You can use a wash detergent that's intended for ceramic coatings, or a spray refresher on the paint as you dry. Both can extend the life of the coating itself. Either way, your vehicle will look like you just polished it when you're done. You definitely don't need to wax it once the ceramic is applied. The ceramic coating replaces wax and provides all the gloss and protection you need.
How long does ceramic coating last?
Longer than conventional wax, in the worst case. Some professional auto detailers will guarantee their ceramic coatings for the life of the car. Pro-style consumer-grade ceramics can last five years or more, properly applied. Some manufacturers guarantee these for two or three years. The easiest spray-on ceramic coatings can last a year or so, depending on whether the vehicle lives outside and they're easily layered for more durability. Conventional carnauba or poly waxes typically need to be applied every three or four months.
Yes you can fix a broken phone during the coronavirus outbreak yes you can fix a broken phone during the coronavirus how many people yes you can fix a broken phone during the coronavirus show yes you can fix a broken phone during the mid 1950s yes you can fix stupid yes you can fix others problems yes you can fix ignorant yes you can fix your life marvin sapp yes you can yes youth employment services yes you are the lord most high
Yes, you can fix a broken phone during the coronavirus lockdown. See 3 ways to repair it
Yes, you can fix a broken phone during the coronavirus lockdown. See 3 ways to repair it
For the most up-to-date news and information about the coronavirus pandemic, visit the
WHO
and
CDC
websites.
Accidents happen. Cracking your iPhone's ($500 at Best Buy) screen or breaking your Android phone's charging port is the last thing any of us wants to worry about right now. Especially with most of us under stay-at-home orders, practicing social distancing and wearing face masks in public during the coronavirus pandemic.
You may be spending more time at home, but chances are you're still texting, watching videos and making more calls than ever from your phone. So what happens if it takes a tumble onto the sidewalk when you're out for a social-distancing walk? What if it slides off the counter top when you're making dinner? What if it just starts acting buggy?
Normally you might pop into a retail store, but in an effort to stem the spread of the COVID-19 disease, retail stores across the country have closed, including Apple Stores, and wireless carriers have closed the majority of their brick-and-mortar stores, too. So where do you go to get your phone repaired? You still have several options to get it fixed.
Apple support has a few different options for you.
Screenshot by Jason Cipriani/CNET
Fixing a broken iPhone
If your iPhone isn't physically broken, and you're experiencing software or performance issues, use the Apple Support app to talk to an employee who can help troubleshoot your issue. The app allows the support representative to run diagnostic reports and guide you through any potential fixes.
For physical damage or an unresponsive device that needs to be fixed or replaced, you can find a list of authorized Apple service providers by visiting this support page and click on Schedule a Repair. You'll be asked to sign in to our Apple ID and select a device that's linked to your account, after which you can search for an open store.
Using an Apple-approved repair center will allow you to take advantage of lower repair fees if you have AppleCare Plus on your iPhone.
It's a good idea to call the store before you finalize your appointment, as some stores may have adjusted their hours or temporarily closed due to being nonessential services.
If you don't feel comfortable going out in public, or lack a nearby repair facility, you can also mail your phone to Apple in for service. Visit this support page and click on Send in for Repair the follow the prompts. Of course, this is a less than ideal solution, because you'll be without your phone for up to five days. You can use an old phone or buy a cheap backup phone to keep you connected while your device is in the shop.
uBreakiFix is still open and repairing broken devices.
Screenshot by Jason Cipriani/CNET
Android phone repairs
As a whole, Android owners don't have a central location, like an Apple Store, that they can go to for repairs. Don't let that stress you. For software and performance issues, contact your wireless carrier or your phone maker to troubleshoot. Most of the time, those types of issues can be resolved over the phone.
Best Buy has paused device repairs for the time being, leaving Android owners to find third-party repair businesses. One such reputable company is uBreakiFix, an official Samsung repair partner. uBreakiFix repairs all types of phones, tablets and even computers -- including Apple products.
In order to help keep customers and employees safe, uBreakiFix has rolled out curbside service and a mail-in option. In some areas, you can even have a tech come to your home and fix your device. Find the closest uBreakiFix location and the repair services offered using the company's availability tool.
Again, it's probably best to call any business directly to confirm they're open -- especially as more cities continue to shut down nonessential services -- and make sure they're taking appointments and have the parts in stock to complete your specific repair. It may be you need to mail in your device.
You can also repair your phone yourself.
iFixit
Fix it yourself
If you're out of warranty and feel comfortable attempting to repair your phone on your own, you can always order a repair kit from iFixit. There are kits that include everything you need -- including the tools -- to replace a broken iPhone screen, swap out an Android phone's battery or more.
iFixit has posted guides that go with each kit, walking you through the entire process. If your movement isn't restricted, it'll save you a trip out, and potentially save you some money in the process.
While we all try to do our part to stop the spread of coronavirus, there are some myths you should be aware of. And if you absolutely have to go out, use these best practices to keep yourself safe. Here's the current knowledge on coronavirus and your delivery packages.
Both 15-year fixed and 30-year fixed refinances saw their mean rates go up. The average rate on 10-year fixed refinance also saw an increase.
Like mortgage rates, refinance rates fluctuate on a daily basis. With inflation at a 40-year high, the Federal Reserve has hiked the federal funds rate four times this year and is poised to do so again in 2022 to try to slow rampant inflation. Though mortgage rates are not set by the central bank, these federal rate hikes increase the cost of borrowing money. Whether refinance rates will continue to rise or fall will depend on what happens next with inflation. If inflation begins to cool, rates will likely follow suit. But if inflation remains high, we could see refinance rates maintain an upward trajectory. If rates for a refi are currently lower than your existing mortgage rate, you could save money by locking in a rate now. As always, consider your goals and circumstances, and compare rates and fees to find a mortgage lender who can meet your needs.
30-year fixed-rate refinance
The current average interest rate for a 30-year refinance is 5.81%, an increase of 36 basis points over this time last week. (A basis point is equivalent to 0.01%.) A 30-year fixed refinance will typically have lower monthly payments than a 15-year or 10-year refinance. This makes 30-year refinances good for people who are having difficulties making their monthly payments or simply want a bit more breathing room. Be aware, though, that interest rates will typically be higher compared to a 15-year or 10-year refinance, and you'll pay off your loan at a slower rate.
15-year fixed-rate refinance
For 15-year fixed refinances, the average rate is currently at 5.06%, an increase of 27 basis points from what we saw the previous week. A 15-year fixed refinance will most likely raise your monthly payment compared to a 30-year loan. On the other hand, you'll save money on interest, since you'll pay off the loan sooner. You'll also typically get lower interest rates compared to a 30-year loan. This can help you save even more in the long run.
10-year fixed-rate refinance
For 10-year fixed refinances, the average rate is currently at 5.14%, an increase of 22 basis points over last week. Compared to a 30-year and 15-year refinance, a 10-year refinance will usually have a lower interest rate but higher monthly payment. A 10-year refinance can help you pay off your house much quicker and save on interest. Just be sure to carefully consider your budget and current financial situation to make sure that you can afford a higher monthly payment.
Where rates are headed
At the start of the pandemic, refinance rates dropped to historic lows, but they have been mostly climbing since the beginning of this year. Refinance rates rose due to inflation, which is at its highest level in four decades, as well as actions taken by the Federal Reserve. The Fed recently raised interest rates by another 0.75 percentage points and is prepared to raise rates again this year to slow the economy. Still, it's unclear exactly what will happen next in the market. If inflation continues to rise, rates are likely to climb. But if inflation starts to cool, rates could level off and begin to decline.
We track refinance rate trends using information collected by Bankrate, which is owned by CNET's parent company. Here's a table with the average refinance rates reported by lenders across the US:
Average refinance interest rates
Product
Rate
A week ago
Change
30-year fixed refi
5.81%
5.45%
+0.36
15-year fixed refi
5.06%
4.79%
+0.27
10-year fixed refi
5.14%
4.92%
+0.22
Rates as of Aug 23, 2022.
How to find personalized refinance rates
It's important to understand that the rates advertised online may not apply to you. Your interest rate will be influenced by market conditions as well as your credit history and application.
Having a high credit score, low credit utilization ratio and a history of consistent and on-time payments will generally help you get the best interest rates. You can get a good feel for average interest rates online, but make sure to speak with a mortgage professional in order to see the specific rates you qualify for. To get the best refinance rates, you'll first want to make your application as strong as possible. The best way to improve your credit ratings is to get your finances in order, use credit responsibly and monitor your credit regularly. Don't forget to speak with multiple lenders and shop around.
Refinancing can be a great move if you get a good rate or can pay off your loan sooner -- but consider carefully whether it's the right choice for you at the moment.
When should I refinance?
In order for a refinance to make sense, you'll generally want to get a lower interest rate than your current rate. Aside from interest rates, changing your loan term is another reason to refinance.When deciding whether to refinance, be sure to take into account other factors besides market interest rates, including how long you plan to stay in your current home, the length of your loan term and the amount of your monthly payment. And don't forget about fees and closing costs, which can add up.
As interest rates have rather steadily increased since the beginning of the year, the pool of people eligible for refinancing has shrunk significantly. If you bought your house when interest rates were lower than current rates, you may likely not gain any financial benefit from refinancing your mortgage.
The pandemic changed health care, and there's no going back
The pandemic changed health care, and there's no going back
This story is part of The Year Ahead, CNET's look at how the world will continue to evolve starting in 2022 and beyond.
If the pandemic has taught us one thing, it's how to take our health into our own hands.
We've become our own triage nurse, analyzing a sore throat with such urgency that, in another time, would've been considered a little obsessive. We've been asked to monitor our temperatures and even become citizen public health surveyors with the help of at-home COVID-19 tests. But one day (hopefully soon), the consequences of leaving the house with a sore throat won't mean we're risking someone's life. Soon, our physical health will remain a core piece of our well being, but we'll shake the neurosis of a pandemic mindset – hopefully, keeping our newfound sensitivity to public health and a desire to not harm others in the process.
But will our health care system?
"The pandemic accelerated a lot of changes that were kind of percolating in the background," says Matthew Eisenberg, associate professor of health policy and management at Johns Hopkins Bloomberg School of Public Health. Eisenberg studies how neoclassical economics ("supply and demand") applies to health care. While COVID-19 "catalyzed" many of the changes -- and inequities -- already budding in health care, he said, it will be up to policy makers as well as the supply-and-demand cycle of health care to decide what sticks and what doesn't.
Telemedicine: a thing of the past, or the future?
Video-calls-as-doctor's-visit wasn't a tool created because of COVID-19, but the pandemic has transformed it from an obscure practice to the new way to do health care. Importantly, policy changes made during the pandemic helped knock down some barriers for telemedicine access, and helped providers get paid for it.
Private insurance companies as well as public payers (i.e. Medicare) relaxed their policies on telemedicine reimbursement for health care providers because of COVID-19. As more health care providers get paid for telemedicine (which gives them incentive to provide it), the more supply there is for patients, Eisenberg says.
"Prior to the pandemic, the only way a Medicare provider could be reimbursed for telemedicine would be if a patient was in a rural area where they could not physically travel to a provider," he says. "Even then, they had to go to a specialized facility and do the telemedicine at some out-patient facility's computer."
Even through a computer screen, there are roadblocks to accessing health care. Before COVID-19, some patients, depending on where they live and what medical condition they have, would need to drive across state lines to access a specialist (which requires an amount of time and money many patients don't have). The loosening of interstate licensure laws during the pandemic has allowed people to connect with a doctor miles away, and even fill a prescription across state lines.
Dr. Megan Mahoney is a family medicine doctor and the chief of staff at Stanford Health Care. Stanford Health Care, along with many other providers and organizations, have advocated to keep those restrictions loose once COVID-19 is no longer a public emergency, and the emergency rules no longer apply.
"We have noticed that there are states that don't have a single pediatric endocrinologist," says Mahoney. These specialists treat children with diabetes, for example. "We have a whole team of pediatric endocrinologists."
But in order to participate in telemedicine, you need an internet connection. Mahoney called the bipartisan infrastructure bill, which has a $65 billion budget for expanding internet access to rural communities and helping families pay their internet bill, a "tremendous" help in health care access. In the new virtual health landscape, access to broadband is a "social determinant of health," she says. Some policies and benefits put into place during the pandemic to help families access the internet, like the Emergency Broadband Benefit, were temporary. As broadband continues to mold in its form as a public good, its relationship to health care access will only strengthen.
FS Productions/Getty Images
Sliding into your doctor's DMs
In addition to telemedicine, the pandemic also gave us nearly unlimited access to our doctors' inbox through the patient portal. According to a report published in JAMA, which looked at instant messaging data between patients and their providers from March 2020 through June 2021, the number of patient messages increased, despite fewer patients seeking care in some specialties.
"The sheer demand that we're seeing is very much a testament to the patients' desire for this new channel of care," Mahoney says.
Even older patients, whose relationship with technology sometimes gets a bad rap, are sending their doctors messages and embracing telemedicine, she says.
"That was what propelled and accelerated the transformation," Mahoney says. When elderly people, who were originally reluctant to use telemedicine, were forced to use it in order to get care during the lockdown, "that helped them get over that hurdle."
"What I've noticed is the digital divide, while we do need to be aware of it, it can be overcome and sufficiently addressed through additional education," she says.
Some of that education for patients requires medical assistants to take on tech support roles. In addition to taking blood pressure and temperature when patients come into the room, they also need to make sure patients are comfortable signing into their patient account and feel comfortable with the technology, according to Mahoney.
That shift in the patient-provider dynamic, and more direct access to care, is necessary to maintain a system Mahoney says can help people get early intervention and, hopefully, prevent visits to the emergency room.
Many of the messages Mahoney receives from patients involve correcting misinformation patients have heard about COVID-19 -- the type of preventative, education-based work that the current health care structure "does not support," she says. For example, sustaining a more thorough patient-doctor messaging system would require providers be paid for their time consulting with patients off-hours. It also requires online communication to be in the patient's language – a barrier for many people in the US who don't speak English or speak it as a second language.
"I hope that health care can keep up with this cataclysmic shift that's happening," Mahoney said. "It will have to."
There are arguments against telemedicine as the end-all-be-all. Dr. Thomas Nash, an internist in New York City, told The New Yorker in a June 2020 report that though telemedicine is "doable...I worry that it's going to delay a good exam, and get in the way of deeper interactions between people and their doctors." The informal setting of telehealth may also be less likely to pick up on big issues which routine in-person exams would normally detect, such as high blood pressure, California Healthline reported. And it's more difficult to build an open relationship with your doctor through a screen than it is when you're sitting in their office.
But that also assumes people had a relationship to lose in the first place. As of Feb. 2019, one year before the pandemic began, about one fourth of all adults and half of all adults under 30 didn't have an ongoing relationship with a doctor, according to a report from the Kaiser Family Foundation. This is also a group that shows a strong preference for telehealth, and is the target audience for pre-pandemic care-on-demand services, including Nurx, which allows people to get birth control prescriptions and other medications online, sister sites Hims and Hers, Curology and more.
Sarah Tew/CNET
The great vaccine race
Scientists impressed the world by moving quickly to develop highly effective COVID-19 vaccines in record time – doses of Pfizer and BioNTech's vaccine, with Moderna's authorized right behind it, were available to the first round of eligible adults in the US less than a year after the the country went into lockdown. According to Nature, the fastest anyone developed a vaccine was for mumps in 1960, and that took four years from development to approval (Pfizer's vaccine for people age 16 and up has full approval by the US Food and Drug Administration, while Moderna and Johnson & Johnson have emergency use authorization). While there's much left to be desired about how the vaccines are distributed and accessed by populations in countries outside the US (only 8.9% of people in low-income countries have had a coronavirus shot), an estimate from the Yale School of Public Health reports the vaccines have saved about 279,000 lives and prevented 1.25 million hospitalizations a s of early July 2021.
Part of the reason the vaccines were developed so quickly was because research on the technology they use was already underway (the mRNA vaccines were developed using information from HIV research). While the global society has shown we can be very efficient at producing effective and safe vaccines, don't get your hopes up too high that it'll happen that fast again, says Michael Urban, an occupational therapist and program director at the University of New Haven.
"The thing people have to remember is that the federal government pumped tons and tons of money into this development," says Urban. "Globally, not just the United States."
One reason for that is because COVID-19 had such a prominent impact on our economy. "The fact that this [vaccine] came out is because this is disrupting the fabric of life," Urban says. "How we make money, how we engage with people – how we enjoy our lives."
While it's tempting to hope that because scientists banded together to create a vaccine for COVID-19 and the US government helped fund much of that work it will usher in more resources to find preventative measures and treatments for other diseases, it's unlikely. The incentive for the government to subsidize research and development of treatments for other things that are more individualized, such as cancer or HIV, Urban says, might not be as strong, which leaves it up to the drug companies themselves. And without a public health emergency as transmissible and widespread as COVID-19, it's unlikely drug companies will pour quite as much time and effort into finding treatments.
And when addressing a drug company that profits "billions off of cancer treatments," for example, is it really in the best interest of the company to find an effective preventative measure?
"If they can do one shot and get rid of cancer, is it really in their best interest?" Urban says. "I hate to say that," says Urban.
Two steps forward, two steps back
In addition to propelling us into trends that've been helpful in health care, the pandemic has magnified our shortcomings and has disproportionately affected the same people who have been mistreated by the medical system for years. Black and Hispanic Americans have been hospitalized with COVID-19, and died from the disease, in much greater numbers compared to white Americans.
Dr. Shantanu Nundy, a primary care physician and author of the book Care After Covid: What the Pandemic Revealed Is Broken in Healthcare and How to Reinvent It, told NPR in a May 2021 report that the pandemic scramble to find a testing site, get a vaccine appointment or access preventative care exposed those who might not have ever experienced it to the perils of health care.
"The pandemic magnified long-standing cracks in the foundation of the US healthcare system and exposed those cracks to populations that had never witnessed them before," said Nundy in the NPR interview.
Another weak spot exposed because of COVID-19 was the US public health response, and its subsequent communication to the public about what to do when you're sick. When the pandemic struck, public health agencies were relying on "old methodologies" in terms of quarantine requirements and testing rules for COVID-19, Urban says. Compared to other countries, we have issues with containment and quarantine restrictions that don't always prevent people from spreading the virus, he says. The CDC's latest isolation guidance for people who test positive for COVID-19, for example, has been criticized by some for being too relaxed and not requiring a negative test.
In the US, there's a one-and-done mentality. "You do a one-time test, you're cleared," Urban says. "Have a nice day."
When the next pandemic happens, he says the US is likely still not set up with the structure and tools needed to respond appropriately to a public health emergency. "We didn't learn from the Spanish flu," Urban says.
An early December report from the Global Health Security Index, an assessment of health security across the globe developed by the Johns Hopkins Center for Health Security and the Economist Impact, backs that up. According to the report, 195 countries across the globe are "dangerously underprepared for future epidemic and pandemic threats, including threats potentially more devastating than COVID-19."
But importantly, the blame isn't solely on public health agencies, Urban says. The CDC, for example, is "under pressure" to get people back to work and everyday life, Urban says. To do so, the agency has to work within US federal law and the vastly different state and local laws which govern what we can and can't expect people to do.
Looking forward
As we move away from the immediate threat of COVID-19, our appreciation for mental health care is likely to stay. Eisenberg says that we may see specialized mental health services, including some practices that are virtual-only, and some that are a hybrid of in-office and virtual visits. There may also be a shift away from medication treatments for mental health conditions and more provider-focused psychotherapy, Eisenberg finds.
"It's a small shift, but that could have big implications down the road," he says.
While there are structural and policy changes needed to ensure everyone has autonomy over their health, the pandemic has shifted the way care providers approach health care. Now more than ever, there's an emphasis on public health.
In an interview with the American Medical Association, Nundy explained the framework he believes is necessary to progress health care after the pandemic. Through the course of the pandemic, Nundy said, doctors "built a muscle" for operating with public health in mind.
"Let's take that muscle and let's start applying it to diabetes, let's start applying it to mental health," Nundy said. "So much more is possible."
Correction, Jan. 14: The original version of this story misspelled Shantanu Nundy's last name.
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.
