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The Dow Jones Industrial Average is on quite a roller coaster ride. After the Dow Jones had its largest single-day drop in its history on Thursday, the index recovered in a big way on Monday, setting a single-day record for gains. The Dow closed on Monday up 1,293 points. The previous largest one-day rise in the Dow was on Dec. 26, 2018, when the Dow jumped 1,086 points. Although the Dow had a good day on Monday, it was not enough to erase the worst week the Dow has had since the financial crisis of 2008. The Dow lost nearly 4,000 points, or 15% of its value, last week. 589

The NFL announced on Tuesday that the number of teams that will qualify for the playoffs will expand from 12 to 14, which will also increase the number of Wild Card Round games from four to six. NFL owners and the Players Association came to the agreement on Tuesday, which will go into effect this season. The format will mean that only the top team in each conference will earn a bye into the Divisional Round. The six division winners will then play the six wild card teams. The new format marks the first time the NFL has expanded the playoffs since 1990, when the league increased the number of teams that qualified from 10 to 12. Per the new format, three playoff games will be played on Saturday, Jan. 9, and another three games will be played on Sunday, Jan. 10. NBC and CBS have been the selected networks to air the added two showdowns. Had this year's format been in place in 2019, the Pittsburgh Steelers and Los Angeles Rams would have earned playoff bids. 982

The father of a 3-year-old boy who was killed in an accidental shooting in Chicago Sunday has been charge in connection to the child's death.The toddler's family told police they heard a gunshot in another room and found the boy with a weapon, CNN affiliate 269

The electric scooter craze comes with a lot of mixed reaction across the U.S. While some cities are welcoming them, other cities, like the city of Nashville, are considering banning them.At least one person in Nashville 232

The ads are appealing. They feature deals for vets to refinance their homes and cash out on the equity. However, home and refinance loan programs targeted towards military veterans can be a benefit or a headache, depending on the lender. John Bell, advisor for the Veterans Affairs Administration in D.C. says there are many reasons why vets can take advantage of borrowing cash against their home. But how you choose a cash-out lender makes a big difference. “We want to make sure that veterans are armed with information from the disclosure process early in the process as well as though closing, so they understand the decisions they're making,” he says. Bell says, unfortunately, there are predatory lenders out there targeting vets, sticking vets with thousands of dollars in hidden fees. “Have we seen it, yes,” Bell explains. “Do we know how to combat it and help you in navigating that process? Without a doubt.” In 2018, the United States Department of Veterans Affairs stepped up its regulations for lenders, specifically on cash-out refinance loans. The VA has always offered advisor services to protect borrowers through their long-standing VA home loan program. “We need to make sure that all lenders are operating on the same playing field, that they're all giving veterans the transparency that they need to make informed decisions,” Bell says. According to a report by the American Enterprise Institute, in September of 2018, veterans cashed in on cash-outs. They accounted for 86 percent of mortgage loans, which was up about 30 percent from two years prior. “The general rule is if it sounds too good to be true it usually is,” Bell says. Bell says in order to not cause a mortgage crisis among vets, it's best if you know what you’re getting yourself into. “Be sure you're asking the right questions,” he says. “You want to know the exchange of equity that you're going to take out, what is the overall cost of that, and make an informed decision.” 1983

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