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TERRACE PARK, Ohio -- Fourth graders at Terrace Park Elementary School will receive national recognition this week for their efforts to help students in hurricane-affected Puerto Rico.Charlotte Buccholz's class is working with Destination Imagination, a nonprofit that challenges young people to explore their talents in fields including tech, science, engineering and community service. "We had a bunch of different ideas on how to do things and then we had to all agree on something," 9-year-old Buccholz said. They ultimately decided they wanted to focus on service -- specifically service to the people affected by Hurricane Maria."We were thinking about people who weren't getting much attention, and so we thought about Puerto Rico because it wasn't getting much help," student Tyler Graham said.Graham, Buccholz and their classmates created and sold clay 'Te Amo' ornaments to benefit The Juanita Garcia Peraza School in San Juan, eventually raising nearly ,500. They used the money to buy school supplies and other essential items for third-graders on the island.It's a simple idea with a big impact, and it caught the attention of Destination Imagination organizers. The fourth-graders will present their project at the nonprofit's global finals this week."We wanted to help the kids because we wouldn't want to be in that position," student Saura Patel said. 1398

Stock market volatility is back in a big way: The Dow is set for a big rally Friday after a two-day meltdown.Dow futures pointed to a 350-point jump at the open. The Dow lost 1,378 points over Wednesday and Thursday.The broader S&P 500 also looked like it would rally, with futures about 0.9% higher. The Nasdaq, which has taken the brunt of the recent stock market turbulence, was set to rise 1.5%.Why are markets suddenly bouncing back? News late Thursday that President Donald Trump would meet next month with Chinese leader Xi Jinping at the G-20 summit eased some of investors' fears about another trade war escalation. On Friday, China reported its exports rose nearly 15% in September, stronger than expected. That suggests China is weathering the first waves of new tariffs that the Trump administration imposed on billion of Chinese exports this summerEarnings season also kicked off Friday morning, with JPMorgan (JPM) and Citigroup (C) reporting their quarterly finances before the bell. Wall Street analysts expected banks to post another incredibly profitable quarter — and JPMorgan managed to beat their already lofty expectations.In times of market turbulence, there's nothing like soaring profits to calm investors' nerves.Tech stocks have come under fire because they are some of the riskiest and most expensive parts of the market. Investors fear that tech companies may not hold up well in a downturn, particularly as interest rates spike. A proxy for the tech sector had its sharpest plunge in seven years on Wednesday.But Big Tech on Friday looked to regain some of their losses. Facebook (FB) rose 1%, Amazon (AMZN) was up 3%, Apple (AAPL) rose 2%, Netflix (NFLX) was up 4% and Google (GOOGL) bounced back 2%.Asian and European markets also came back Friday. The Hang Seng soared 2.2%. Stocks in Shanghai rose 0.9% and the Nikkei rose 0.5%. Stocks in London, Germany and France all rose about a half percentage point.Stocks had turned sharply south over the past week because investors are concerned about rising interest rates. As the Federal Reserve raises rates to keep the economy from overheating, investors have been getting out of bonds, driving down their price and driving up their yields. Suddenly, the return on bonds has become competitive with some stocks — particularly risky tech stocks.Rising interest rates also increase borrowing costs for households and businesses, eating into corporate profits.The VIX volatility index touched its highest level since February.The-CNN-Wire 2531

Tacked onto the coronavirus stimulus bill is new legislation tackling one of the most controversial practices in health care – surprise medical bills.That's when you go to the hospital or have an elective procedure and then later find out some of the doctors or facilities were out of network, meaning you could owe tens or hundreds of thousands of dollars.The most impactful part about the legislation is that patients would no longer get those surprise out-of-network bills for emergency care or for a planned procedure. They will instead be billed an in-network rate.Out-of-network providers would have to give patients a heads up on estimated charges, at least three days.Air ambulance companies would also not be able to charge more than in-network costs. Ground ambulances were not included.Insurance and providers have to go to arbitration to work out the final payment. It's a complex solution advocates say could end up costing Americans more in the long run.“So, a mediation process that some states have put in place, but research has shown that it increases the likelihood that consumers face higher premium costs on the back end,” said Clare Krusing with the Coalition Against Surprise Medical Billing.That Coalition had been pushing for policies that, in their simplest form, would have essentially made in and out-of-network rates the same. Savings that in-part would have funded community health centers.“Not only is that approach the cleanest way of dealing with this, but it also saves the patients and taxpayers the most money, who are going to save billion over 10 years.The group plans to continue to push for more terms around that arbitration process to prevent abuse, driving up costs.None of the new surprise medical bill legislation takes effect until January 2022. 1803

Surveys suggest a growing number of Americans are willing to get a COVID-19 vaccine, however the latest numbers from Gallup in mid-November show only 58 percent of those surveyed would get the vaccine.A former lawmaker is among those suggesting giving people a stimulus check in exchange for getting a COVID-19 vaccine.During an interview with CNBC, former Maryland Representative John Delaney suggested giving ,500 for getting immunized.“The faster we get 75 percent of this country vaccinated, the faster we end Covid and the sooner everything returns to normal,” Delaney said in an interview with CNBC.com.Survey data shows a growing political divide about whether or not to take the vaccine, and Delaney told CNBC.com there has to be an incentive for “people to really accelerate their thinking about taking the vaccine.”Delaney pointed out that while his plan would not force anyone to get vaccinated, there are already measures in the U.S. to encourage vaccination, including for children to attend school.While his proposal seems enticing, it faces some big hurdles.Sending people ,500 checks in exchange for vaccination could cost upward of 0 billion. By comparison, the round of stimulus checks sent to Americans earlier this year totaled more than 0 billion so far.Coronavirus relief spending is a hot topic in Congress, as Democrats and Republicans try to compromise and make an agreement before the end of the year. Democrats are backing a 0 billion starting point, while Republicans in the Senate say they want closer to 0 billion.Delaney said the checks don’t have to be ,500. He said the point is to create an incentive to increase how many people get vaccinated, because, in his opinion, once more people get vaccinated, “everything returns to normal, which means we don’t need any more programs (that Congress would create).”Delaney’s proposal comes following another similar idea from Robert Litan, a fellow at the Brookings Institute and was formerly in the Clinton administration. He has a proposal that would pay Americans ,000 to get vaccinated, a portion upfront, and another portion once a 70 percent vaccination threshold is reached. Health experts believe a 70 percent threshold is needed to help with herd immunity, and help protect those who are unable to be vaccinated."Unlike previous payments, this is stimulus tied to socially responsible behavior. So society is getting a benefit from handing out the money," Litan told Business Insider.A former top economic advisor to George W. Bush, N. Gregory Mankiw, has come out publicly in support of the idea, according to Business Insider.Former presidential candidate Andrew Yang tweeted his support of the idea. 2716

TAHLEQUAH, Oklahoma — Cherokee Nation is the largest tribe with 365,000.On Monday, the tribe fired out a statement denouncing a U.S. senator's claim to her Native American ancestry through DNA testing.Senator Elizabeth Warren claims DNA testing confirms her Native American heritage.That test is something the Cherokee Nation, a sovereign nation, says does not prove anything."To talk now about her ancestry, her DNA analysis we think it muddy's the waters a little bit," said Chuck Hoskin, Jr., Secretary of State for the Cherokee NationHoskin says he finds Senator Warren's claims hurtful."That is a very special status," Hoskin said. "It's a legal status. It's a status that our ancestors fought long and hard for that's embedded in tribal law, embedded in federal law specifically in the treaties. We think as sovereign nations that means something,"To claim membership to the Cherokee Nation, you must be able to prove that you can trace your self back to the tribe's Dawes Rolls, which is the original enrollment documents."People have this family lore and they can't prove it and people go through long and drawn out processes sometimes," Cherokee citizen Deborah Reed said. "They'll submit paperwork to the Cherokee Nation because there's an application process."Cherokee citizens say this isn't a red versus blue issue, but it's about protecting treaties and their sovereignty."I think the important takeaway is that Elizabeth Warren remembers that the Cherokee Nation is who decides who their citizens are not individuals," Reed said.Sen. Warren is rumored to be throwing in her name to run against President Donald Trump in 2020. 1648