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Stocks fell sharply Monday, dragged down by reports of trouble at Apple and Facebook.The Dow closed down 396 points and the Nasdaq tumbled 3%.Facebook stock fell nearly 6% as the company continues to deal with the fallout from a New York Times article that detailed Facebook's reaction to political scrutiny and its Cambridge Analytica scandal. CEO Mark Zuckerberg has reportedly adopted a more aggressive, "war"-like style, according to the Wall Street Journal.Alphabet was also down 4%. It is now down 20% from its peak in July, placing it in bear market territory.Early in the day, stocks fell on news that Apple's newest line of phones may not be selling as well as Apple or its investors had hoped.Apple's stock fell once more after the Wall Street Journal reported that Apple has cut orders for its iPhone XR, iPhone XS and iPhone XS Max.The new iPhones, which Apple unveiled in September, cost more than previous versions. The 9 iPhone XR is the least expensive new iPhone, but it costs more than last year's cheapest model, the iPhone 8.The iPhone XS Max can cost up to ,449. The higher prices -- without many more features -- could be driving customers to keep their current phones longer or buy last year's models.Apple declined to comment about the Journal story or broader concerns about iPhone demand.Shares of Apple fell 5% and have now plunged about 20% from the all-time high it hit a few months ago, when Apple (AAPL) was worth more than trillion.The stock ended a 5-day losing skid on Friday after an analyst at Morgan Stanley suggested that the supplier concerns are overdone.Apple, which is a member of the Dow, was hurting the blue chips too.Several makers of chips and other components used in iPhones have warned of soft sales and profit in recent weeks, citing sluggish demand for higher-end smartphones.To that end, shares of Apple suppliers, such as Qorvo (QRVO), Broadcom (AVGO), Cirrus Logic (CRUS) and even Apple's key Anrdoid phone rival Samsung were all lower Monday too. Samsung also makes chips for iPhones.Investors have other reasons to be concerned about the future of Apple -— as well as other big tech companies for that matter.Apple CEO Tim Cook said on the "Axios on HBO" show Sunday that he expects Washington to crack down on tech firms in the wake of high-profile privacy scandals, such as the Cambridge Analytica problems that have plagued Facebook (FB)."I am not a big fan of regulation," Cook said to Axios on HBO. "I'm a big believer in the free market. But we have to admit when the free market is not working. And it hasn't worked here. I think it's inevitable that there will be some level of regulation."HBO, like CNN, is part of WarnerMedia, which is owned by AT&T (T). 2745

Support is growing for early voting, but there's still a lot of distrust for voting by mail.Just over 3 in 10 people say they're very confident their vote will be counted accurately if they vote by mail. Nearly 7 in 10 say the same thing about voting in person on Election Day. That's according to a new poll from the University of Maryland and The Washington Post.There's a big racial disparity in perceptions about election integrity. About 71% of Black Americans in the poll say it’s easier for white Americans to vote, while only 34% of white Americans believe that's the case.“There's a historic trend of distrust in government amongst racial and ethnic minorities,” said Jonathan Collins, education and political science assistant professor at Brown University. “And instances like this during the need to transition to mail-in voting. This is where that distrust really kind of rears its head.Collins studies ethnic minority political behavior. He says campaigns from state attorneys would be helpful to reassure people their mail-in ballots will be counted properly.The U.S. Postal Service is trying to educate people on its role in the mail-in voting process with TV ads. It says the nonpartisan campaign neither encourages nor discourages mail-in voting. Collins expects a lot of African Americans are still going to prefer in-person voting.“There is this sense of pride that you get from showing up to your precinct, to your polling station on Election Day and in-person casing your vote. There's a pride of wearing the 'I voted' sticker around for your friends and our family and your coworkers to see. How do we replicate that feeling of pride?”About 6 in 10 registered voters nationwide say they want to cast their ballot before Election Day. Compare that to 2016, when about 4 in 10 people cast ballots early.For mail-in voters worried about their vote not counting, many states allow residents to track their ballot. NBC News reports that all states allow this, except for the following: Connecticut, Hawaii, Illinois, Indiana, Maine, Mississippi, Missouri, New Mexico, and New York.Also, many states allow mail-in voters to submit their ballots at designation drop-off boxes, if they don't want to trust the USPS.Click here for tips from the USPS on voting by mail. 2290

Taco Bell is getting into the wine business.Taco Bell Canada debuted its custom Jalape?o Noir wine on social media.They stated the wine pairs well with their Toasted Cheesy Chalupa. 189

Strong winds and heavy rain have battered parts of Italy, causing nine deaths and the worst flooding seen in Venice for at least a decade.Schools have been closed around the country and the authorities have warned against non-essential travel as the Civil Protection Agency issued multiple weather warnings.Two young people died south of Rome when a tree hit their car, while another person was killed in the nearby town of Terracina as winds brought down scores of pine trees. Among the other victims was a 21-year-old man who was hit by a falling tree while walking in Naples, while a woman died after being struck by debris blown off a building in the northern region of Liguria.A volunteer firefighter who was helping with the emergency response in San Martino in Badia in the country's north is also reported to have died.Much of the Italian lagoon city of Venice was engulfed with water after high tides and strong winds caused the most severe flooding for years. 977

Student loans borrowers are still struggling right now, even with payments on federal loans suspended.Nearly half of borrowers in a new survey from personal finance site Student Loan Hero have lost income during the pandemic. About 34% have had their pay or hours cuts and more than one in three borrowers are experiencing food insecurity.Currently, federal student borrowers have placed in an administrative forbearance, which allows them to temporarily stop making their monthly loan payment. The suspension of payments will last until Sept. 30, 2020, but they can still make payments if they choose. About two months before the pause on federal student loan payments is scheduled to end, advocates are warning we're not ready.“Back in March, when the CARES Act was passed, I think September 30 made a lot of sense at that point. We were hopeful that by September we'd have the virus under control, that we'd be getting back to normal, that things would be reopening,” said Sam Gilford, Director of External Affairs at the nonprofit Student Defense. “But of course, here we are in July and it's clear that's not the case.”Student Defense has been representing students who had their wages garnished months after the CARES Act said that's not allowed.Just last week, the Department of Education said it's still happening to thousands of borrowers.The organization stresses that now is the time to be your own best advocate.“Many people will be eligible for what's called 'income-based repayment,' which is a repayment plan where your payment varies based on your income and if your income drops to certain level, your payment will drop to zero,” said Gilford. “That can be a really good option for a lot of people, but it's something that takes time to get started so don't wait until October 1.”Gilford says to watch out if you contact the company in charge of your student loans and they recommend forbearance instead of income-based repayment. You get a temporary pause on your payments, but interest keeps growing so your loan is getting bigger.There's another reason not to wait to contact your servicer.Student Defense says even in good times, servicers struggle to keep up with the volume of requests and calls from borrowers. So, it's likely they'll be overwhelmed if the pause on payments lifts at the end of September.The Department of Education is expected to start communicating with borrowers next month about their loan payments getting ready to start again.Click here to learn more about your student loans and read frequently asked questions. 2567