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NASHVILLE, Tenn. – The second and final debate of the U.S. presidential election will be held at Belmont University in Nashville, Tennessee, starting at 9 p.m. ET on Thursday, Oct. 22.Originally, the Commission on Presidential Debates scheduled three forums between the candidates. The second debate, which would have been held town hall style, was canceled after President Donald Trump declined to participate when the commission announced the debate would be held virtually due to Trump's recent coronavirus infection.Who’s participating?The debate will be moderated by Kristen Welker, a White House correspondent for NBC News and co-anchor of “Weekend TODAY.” It will be Welker's first general election debate she has moderated, but she co-moderated the fifth Democratic debate during the 2020 primary season.President Donald Trump and former Vice President Joe Biden plan on participating in the debate. No other candidates, like Libertarian Jo Jorgensen, qualified to take part in the debate, based on the Commission on Presidential Debates’ candidate selection criteria.What will be discussed?The debate commission allows each moderator to decide which topics are discussed. Last Friday, Welker announced that the following topics would be addressed Thursday night: fighting COVID-19, American families, race in America, climate change, national security, and leadership.Earlier this week, Trump’s campaign manager, Bill Stepien, claimed the CPD had “promised” that Thursday’s debate would be about foreign policy and asked for Welker’s topics to be discarded. However, CPD responded and said “no debate in 2020 was ever designated by (the commission) as devoted to foreign or domestic policy."With that said, the president is expected to still grill Biden on his son Hunter’s business ties, as well as his foreign policy record in the Obama administration and as chairman of the Senate Foreign Relations Committee, The Washington Post reports.How will the debate be structured?After the first debate went off the rails, because the candidates constantly spoke over each other, the CPD announced changes Monday to “ensure a more orderly discussion.”As with the first debate, both campaigns have agreed to allow each candidate two minutes of uninterrupted time to make remarks at the beginning of each 15-minute segment of the debate. This time, however, “the only candidate whose microphone will be open during these two-minute periods is the candidate who has the floor under the rules,” the CPD said in a statement. Both mics will then be turned back on for an open discussion.What is being done to protect against coronavirus?The commission says Trump and Biden will again skip the traditional handshake before the debate starts and the audience will be required to wear masks.How can you watch?The debate will run for 90 minutes without commercial interruption. You can watch it live on our Facebook page, as well as on network and cable news channels.Where the race stands?Polls show Biden as the frontrunner in the national popular vote, leading most national polls by a 6 to 10 percent margin, but his margin in many battleground states is slimmer. Polls in a number of battleground states, such as Ohio, Iowa, Florida, and North Carolina, are within the margin of error, according to an aggregate of polls by Real Clear Politics. Biden is maintaining slight leads in Michigan, Pennsylvania and Wisconsin, which if he wins in addition to the states won by Hillary Clinton in 2016, would give Biden a victory. What’s next?All that will stand between Thursday's debate and Election Day is 11 days of early voting and the candidates' final appeal to voters. 3677

NATIONAL CITY, Calif. (KGTV) - Some COVID-inspired creativity from local youth is about to take center stage.Leo Nava, 12, has been drawing since he was six."I love drawing, and it calms me down," said Nava.It's a calm he appreciates amid the unknowns of the pandemic."Sometimes it helps me tell what I'm feeling ... It helps me ignore my surroundings about what's going on in the world, so I don't get as frustrated or stressed," said Nava. He and dozens others have been tapping their pandemic-inspired creativity through online classes at the nonprofit, A Reason To Survive, a creative development program for under-served youth in the South Bay. The voices of the youth are spoken through poignant photographs and original songs, some speaking the isolation so many are feeling. Some youth, like Nava, are drawn to drawings. Themes include superhero medical workers, toilet paper hoarding, beaches and that claustrophobic quarantine feeling.One piece one by Nava shows a red-eyed Nava typing at a computer all day. In another example, Nava sketched a comic strip panel showing an apocalypse."The asteroid hitting the earth represents quarantine. People are scared. Don't know where it came from or what it's doing," said Nava.Those feelings of fear, say the student's teachers, are mixed with anxiety, isolation, hope, joy and heroism — all part of their pandemic experience.The creativity will shine in a virtual exhibition Saturday."The artwork says, 'Hear me. Listen to me. See me.' Their, voice, viewpoints and identity are the things that leap off the page and the music ... We need to be responsive to what they're telling us," said James Halliday, Executive Director of A Reason To Survive (ARTS). 1716

Nashville, Tennessee, is known for serving up entertainment and alcohol.“You’re thinking you’re coming here to see mountains, no,” said Reggie Small, general manager of Tailgate Brewery Music Row. “In Nashville, you’re eating and drinking and having a good time."Bartenders like Small are having a tough time making tips like they used to.“You’re used to that everyday paycheck, everyday money from your day shift to the end of the night,” he said. “But without having that, your savings are going to run out sooner or later.”When the COVID-19 crisis first hit, Small had to cut his staff to managers only. Fewer customers bellying up to the bar meant sales started to slip, not only in Nashville, but across the country.“It’s devastating everywhere,” said Aaron Gregory Smith of the United States Bartenders’ Guild. “And the hardest thing is just not knowing what is going to happen next week or next month.”Smith and his team recently started the Bartender Emergency Assistance Program COVID-19 Relief Campaign, giving away nearly .5 million to more than 32,00 bartenders across America.“We feel pretty good about getting money into hands of people who pretty much overnight lost their jobs, lost their income,” Smith said.The money comes from a combination of alcohol suppliers and individual donors. To get the money, bartenders needed to fill out an application and they’re selected based on need.That money, however, recently ran out. The US Bartenders’ Guild is now looking for more fundraising and government assistance.“It’s hard to watch a community, an industry that I’ve been part of going on 25 years now, going through the really most catastrophic shift that we’ve been through since prohibition,” Smith said.For bartenders like Small, he’s adjusting to keep his staff making money as the winter months move in and outdoor dining becomes less of an option.“Not having job security is really, really stressful on people,” he said. “I’ve seen it been a struggle for a lot of people in the profession just because of the everyday unknown.” 2060

Mortgage rates have been low for months, but currently, about 19 million homeowners who are eligible to refinance haven't cashed in.According to data analytics firm Black Knight, these homeowners have a credit score of 720 or more and at least 20% equity in their homes. They could save nearly 0 a month on average.A new survey by YouGov for Forbes Advisor found that 34% of homeowners say they’re not sure refinancing is worth it.A mortgage analyst at Forbes Advisor says one reason people may be hesitant is they don't want to deal with banks that are overloaded with applications right now.“Borrowers really need to advocate for themselves, so make sure that you call your lender if you haven't heard from them in over a week let’s say or just really stay on top of it and at the end of the day. If you're not getting the service that you want, there are many other lenders that would be happy to get your business,” said Natalie Campisi, Mortgage Analyst at Forbes Advisor.Another reason you should act now if you've been considering refinancing, is there's a new fee. It starts on December 1, but your loan may not be processed before then if you don't start the process now.“What you want to do is talk to your lender,” said Campisi. “If you decide to apply for a loan, ask them, say you know will you roll this fee into the cost of my loan, which some lenders are doing, and find out some lenders might be able to process your application before December 1.”Campisi says you can benefit the most from refinancing if you're not planning to move within the next few years. Also, if you have more than 10 years left on your mortgage.You also need to consider closing costs that can average around ,000. Most experts recommend you need to be saving at least 0 a month to make those costs worth it. 1816

NASA's Parker Solar Probe has broken the world record for the closest approach to the sun ever achieved by a man-made spacecraft — and it's not stopping yet.The probe surpassed the previous record of 26.55 million miles from the star's surface on Monday October 29 at around 1:04 pm ET.The previous record was held by the Helios 2 craft, which was launched from Florida's Cape Canaveral Air Force station in 1976.The Parker Solar Probe is now expected to continue its approach, passing through the corona, or the sun's outer atmosphere, next week, reaching within 15 million miles of its surface. 604