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It's not just about werewolves, full moons and Jason Voorhees. It's about getting cheap — and sometimes free — tattoos."It's like a Black Friday kind of for tattoos," said Joe Roethel, a tattoo artist at 206

-- an average of about 205,000 per day. But on Tuesday, the airport was brought to a standstill as protesters occupied parts of the airport.Confused tourists were left unsure of what was happening as shops, restaurants and check-in counters closed. Trains and buses heading into the city were packed with people, and the one available information desk was helmed by frazzled looking staff.Some travelers were pragmatic about the delays. Hayden Smyth, a tourist from Australia, said it was a "bit of a different welcome than I'm used to."But others were frustrated by the cancellations. "We love Hong Kong but it does change our whole perspective," said Australian Kim Macaranas, whose flight was canceled Monday. "I understand the protests but this is not helping tourism."On Tuesday, Hong Kong transportation chief Frank Chan told reporters that officials are calling for people to quickly leave the airport for safety reasons."The Hong Kong airport is important for the logistic and transport industry," he said, emphasizing that about 200,000 tourists come to Hong Kong daily -- a key part of the city's economy."It is easy to lose, but it is really hard to build up the reputation."Why Hong Kong is protestingHong Kong's protest movement kicked off in earnest in June, sparked by a bill that would allow extradition to China.Since then, the protests have expanded into something bigger, with protesters now demanding greater democracy and an inquiry into alleged police brutality. The protest movement -- now entering its 10th week -- has seen protesters and police clash numerous times, with police firing multiple rounds of tear gas.Monday's mass gathering was sparked by widespread allegations of unnecessary police violence on Sunday.Beijing, meanwhile, has criticized the actions of the protesters. On Monday, a top Chinese official said the protests "had begun to show signs of terrorism." 1900

With the election coming in a matter of days, Americans are waiting with baited breath as a survey found a majority of people expect the outcome of the election to play a role in their personal finances.According to the Consumer Credit Confidence Survey from Equifax, 69% say the outcome of the election is a significant factor that will impact their future financial decisions.The survey, which was released on Wednesday, came on the same day that the Dow Jones lost more than 900 points. The markets have taken a tumble in recent weeks as coronavirus cases jump throughout the US.The survey did find that more Americans (33%) are optimistic about the economy compared to April (27%)."The pandemic has impacted all aspects of our lives," said Beverly Anderson, President of Global Consumer Solutions at Equifax. "It has forced many consumers to closely manage household finances and reprioritize their available cash. Based upon more deliberate financial management, as well as the impact of some of the stimulus and financial relief programs, we see reductions in consumer debt, higher savings rates and better credit health." 1136

You’ve decorated the tree, put up the lights and placed a lit candle in every window. But the next thing you know, you smell smoke.Candle fires, stolen presents and other calamities can put an unwelcome damper on your seasonal cheer, but insurance can often help clean up the mess. Here are some common holiday disasters and how your homeowners insurance can come to the rescue.1. Decorations catch fire“Chestnuts roasting on an open fire” takes on a whole new meaning when the halls are decked with fire hazards. Dehydrated Christmas trees can go up in flames if placed too close to a heat source, and fires from candles make up half of December home decoration fires, according to the U.S. Fire Administration.Fire is covered in three main ways. Dwelling coverage pays for repairs to your home, while other structures coverage is for things like a detached garage or fence. Personal property coverage will pay to replace damaged belongings, up to your policy limits.To avoid festive fires, keep candles away from flammable objects, follow all manufacturer instructions for holiday lights outside and keep a real Christmas tree hydrated.2. Your identity gets stolenIf you’ve shopped online for holiday gifts this year, your credit card or bank account information may be at risk of getting stolen.Identity theft coverage can pay for out-of-pocket expenses related to identity theft or fraud. Some homeowners insurance policies automatically include this coverage for free, but you’ll probably have to add it to your policy.You can reduce the risk of identity theft from online shopping by avoiding unsecured networks and by purchasing from trusted stores — check for a privacy policy on the site and a padlock to the left of the URL. To protect yourself from potential data breaches, reenter account information with every purchase instead of allowing online vendors to store your information.3. Presents get stolenIf expensive holiday gifts go missing, don’t pout. Your personal property coverage covers items stolen from your home and car, up to your policy limits.To prevent any grinches from stealing holiday presents, avoid letting packages sit unattended and consider setting up a security camera system around your home. If you leave gifts in the car, tuck them away safely in the trunk, lock the doors and park in a well-lit location.If gifts are stolen, file a claim with your insurance company only if their value exceeds your deductible.4. A guest gets injuredSay you undercook the turkey and send relatives to the hospital. Maybe someone breaks a hip on your icy walkway, or the dog bites a guest. You could end up on the hook for their medical costs.The medical expense coverage in your home insurance policy pays to treat your sick or injured guests, no matter who’s legally responsible, while your personal liability coverage will cover you in case they decide to sue.Because of the pandemic, you may be skipping holiday gatherings entirely this year. But if you do host guests, make sure you abide by the guidelines for small gatherings from the Centers for Disease Control and Prevention, or CDC, which include wearing face masks and practicing social distancing.5. A water pipe burstsIf a pipe gets cold enough, water freezes and expands inside, increasing the chance of a burst. Water damage from burst pipes is generally covered by home insurance, but check the fine print in your policy, as you’re covered only if the burst is accidental and not due to poor maintenance.To avoid damage, watch for warning signs of frozen pipes, such as low water pressure or frost on the outside of the pipe. To offset the chance of a water burst:Keep your home’s thermostat set to a minimum of 55 degrees.Open kitchen- and bathroom-sink cabinets to allow for circulation of warmer air.Let water drip from faucets to relieve water pressure.More From NerdWalletGot Life Insurance? You May Not Have EnoughBought a Pricey Present? Here’s How to Insure ItLife Insurance Shoppers Lose Interest When COVID-19 Cases DropBen Moore writes for NerdWallet. Email: bmoore@nerdwallet.com. 4088

With November being "National COPD Awareness Month,” experts urge patients who suffer from Chronic Obstructive Pulmonary Disease to verify their treatment plans, and to be diligent about COVID-19 precautions.Seventy-one-year-old Janice Cotton is a self-proclaimed "advocate for COPD-ERS." Her advocacy is all over YouTube. She says, “Oh, I think so!.. I think I’m a YouTube star.”Cotton said she likes to tell her story, and while full of personality, her road to advocacy wasn't easy.“In 1997, my mom died from COPD,” Cotton said. “We didn’t know what it was. We had no idea. The last thing she said was, ‘Janice, please stop smoking.’”She said she smoked a pack a day for more than 40 years. Even after being diagnosed with COPD, she says she still smoked.“I didn’t quit smoking when he told me, because when I went into the office to get the test, I was told you’ll be dead in 10 years so I said, ‘What the heck? I may as well keep smoking,’” Cotton said.Eventually, she quit, and now urges others to do the same.Does Cotton still crave tobacco?“Oh no way Jose. Not at all; I don’t crave it,” Cotton said. “I don’t think about it. I tell people who are thinking about smoking, I say, 'Put a straw in your mouth, toothpick, something, anything but a cigarette.'”“This is a treatable disease,” said Dr. Tom Corbridge, pulmonologist, a faculty member at the University of Northwestern near Chicago, and GlaxoSmithKline medical expert. “It is a progressive illness but it's also a treatable illness and the sooner you get in, the sooner you connect with a trusted healthcare provider, the sooner you can get help to restore some of the things you’ve lost.”He says COPD is an umbrella term for chronic lung disease, which include things like emphysema and chronic bronchitis. He says there are 27 million patients with COPD in the U.S. and it's the fourth-leading cause of death.“The main symptom that COPD causes (is) shortness of breath," Corbridge said. It's "hallmark symptom that would be worse with exertion, but also cough, raising of phlegm or mucous and wheezing are really the hallmarks of the disease.”Those symptoms, he said, can be complicated by COVID-19.“The pandemic has impacted my life and my disease management,” Cotton said. “So many of us were scared (of) death and afraid and didn’t want to go anywhere, didn’t want anybody to come see you.”In a recent GlaxoSmithKline study, 83% of people living with COPD agree that COVID-19 has been a wake-up call about the vulnerability of the illness. But, Cotton said she's using her voice to make sure all COPD patients are diligent about things like face masks, hand washing and social distancing. She also recommends having what she calls an "action plan" with your doctor.“I want people to understand and realize that knowledge is power. The more you investigate and research, the better off you’ll be when it comes to managing COPD,” Cotton said.Doctors say the most important aspect is staying in touch with your physicians and staying on top of your symptoms. 3035