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Immediately following President Donald Trump’s decision to drop negotiations with House Democrats on a new stimulus deal, stocks dropped on Tuesday.The Dow Jones Industrial Average, which was up several hundred points earlier in the day, closed down 375 points following the announcement.The markets, which spent much of the summer rebounding after a sudden drop in value in March, have remained stagnant in recent weeks. In early September, the Dow Jones reached 29,000 points for the first since February. It appeared the Dow Jones Industrial Average was on its way to returning to pre-pandemic levels. But the Dow dropped in September, and closed at 27,772 on Tuesday.Trump said that he will not resume negotiations with House Democrats until after next month’s election, which is four weeks from today.Late last month, House Democrats passed a .2 trillion stimulus plan despite knowing it would not be entertained by the US Senate. The proposal still costs more than the White House has said it would like, but is down from the .4 trillion stimulus plan House Democrats passed back in May.In addition to another set of ,200 direct payments to millions of Americans, House Democrats propose using 5 million for education, more funding for the struggling airline industry, and 6 million for local governments. The set of proposals would also include a 0 per week unemployment supplement, which expired at the end of July. 1446

Hurricane Harvey was a big headline in 2017. A year later, many continue to recover from the storm. They’re also remembering the government’s response, as they head to the polls to cast their ballots in the upcoming midterm election.“Yes, for the last three and a half years, walking into this house has been very depressing, I would say,” says Houston homeowner Greg Roberts.It hasn’t been easy for the Roberts, who live in Houston’s Meyerland neighborhood."We got flooded out in 2015, 2016, and 2017 with Harvey, as well," Roberts says.The Roberts haven’t lived in this home since it was first flooded in 2015. Harvey brought in more flood damage.Now, the couple is raising their home's foundation higher than the levels Harvey's waters reached. "If you look up and down the streets of this neighborhood and many others, you will find many others that have been lifted or completely demolished," Roberts says.Many residents in the area are preparing for the next storm. But the past isn't lost in this election cycle.  "The topic of flooding and recovery from flooding has not left the public conscious for at least the last three years, probably before, especially the past three and a half years,” Roberts says.Roberts says it’s a major talking point for politicians in Texas.After so much flooding, the Roberts say they've already answered another tough question about their future. Why do they stay?“That's a good question,” Roberts says. “It's a person by person decision; there's no question about that. We love for years. We fought for years to get into this neighborhood. So, we just really love the areas."There were a lot of things we really love about this neighborhood, so we stuck it out. We prayed about it thought about it and took all things into consideration." 1808

If a picture is worth a thousand words, how many words is a GIF worth?For Ohio Gov. John Kasich, a GIF can clearly tell its own story. The Republican, who is an outspoken Trump critic, dismissed a Twitter attack from President Donald Trump on Monday by simply tweeting a GIF of Russian President Vladimir Putin laughing."The very unpopular Governor of Ohio (and failed presidential candidate) @JohnKasich hurt Troy Balderson's recent win by tamping down enthusiasm for an otherwise great candidate," Trump wrote Monday. "Even Kasich's Lt. Governor lost Gov. race because of his unpopularity. Credit to Troy on the BIG WIN!" 631

If it's been a while since you've booked a flight, travel insurance is that thing that pops up at the end of a sale.“At the end, they’re going to say, ‘Hey, this many people bought travel insurance, don’t you want to buy travel insurance too?’ And I think a lot of people generally, before COVID, would think, ‘Oh they’re trying to upset me and move along,’” said Michael Parrish DuDell, chief strategy officer for Couponfollow.com. “But what we’re seeing, in fact, is that more and more people are saying, ‘I want that insurance I want to protect my future travel.’"Couponfollow.com was designed, DuDell said, to save consumers both time and money. He says the company is always asking consumers about their money and how they spend it.“As we looked closer at how people are traveling, where they were spending their money, where they were allocating their time, we found these little niche interesting areas,” DuDell said.He says those areas include things like travel insurance.“What we found is that 75% of people who had already booked flights had purchased trip insurance. That was a staggering number that is a 55% increase than what is thought of as the norm,” DuDell said.So, why the increase? Travel anxiety amid the pandemic is likely a big part of it.“There is so much uncertainty in the world right now, and of course that’s around the pandemic, but there’s other kinds of uncertainty too and I think people feel like they’re taking a strong risk in general when they’re traveling,” DuDell said. "So if they can mitigate risk in other areas, they’re willing to do that, to spend the money behind it.”Leslie Tayne, a financial attorney, author and frequent flier said, “There are a lot of caveats to whether travel insurance for airline purposes makes sense right now and frankly because the airlines allow you to make changes without a cost and last minute, there’s really almost no reason why you would get travel insurance.”She says these days, airlines are more accommodating than ever. And because there's been so much industry disruption surrounding travel, the future is being rewritten now.“I definitely believe they’re going to rewrite the travel insurance, they’re being investigated right now,” Tayne said. “It's being taken up in Congress in terms of the validity of the travel insurance and there’s some concern that travel insurance might be what’s termed either a ‘scam’ or a ‘money-making proposition’ that’s not really beneficial to the consumer.”In March, the House Oversight and Reform Subcommittee on Economic and Consumer Policy launched an investigation into whether travel insurance provided any “meaningful protection” for consumers. The investigation was spurred amid the onset of the coronavirus pandemic, when many travelers were canceling trips as states began implementing stay-at-home orders.“The evidence shows consumers are purchasing standard travel insurance products, thinking they will be covered if they cancel their trip because of coronavirus,” Rep. Raja Krishnamoorthi (D-IL), the subcommittee’s chair, said in March. “Yet, companies like Allianz, Travel Guard, and Generali are refusing to cover those claims. In the process they are encouraging dangerous travel.”So, when it comes to whether you "need" that insurance, Tayne says weigh your risks, consider where you're going and what you'll be doing.“My recommendation is to try to understand what the restrictions are and what you could use the insurance for when would it apply to you,” Tayne said.Tayne said if you're in a situation where it makes sense, don't make an insurance decision on emotion. Think of it as a business decision, and these days, we're all in the business of saving time and money. 3719

How does someone who relies on his voice for a living, such as an auctioneer, keep it in top form?You may be surprised to find out what it takes to keep talking up success.As exciting as it is to be in the seats during a live auction, imagine being the man behind the microphone.  "I just love excitement," said professional auctioneer John Korrey. "It's an art."Korrey has been a professional auctioneer for more than 20 years, time he's spent solidifying his sound."There's not any two auctioneers that sound alike," said Korrey. "I can sit here and say countfive, 10, 15, 20, but when I put a chant to it, 'I bid five dollar bid now ten now fifteen fifteen twenty now twenty twenty thirty,' see I'm rolling my tongue and I'm adding some rhythm and I'm breathing."Leading auctions, sometimes for hours on end, has taught Korrey one important thing."We're not a machine," said Korrey. "If it's equipment breaks ... a starter down ... you put a new one in."When my voice goes down I have no wage, I'm done," he said.That's why Korrey spends so much time at the Colorado Voice Clinic, working with Kathe Perez to make sure his voice is okay."Let's start off with an easy feeling of breathing," Perez instructed Korrey. Then the two go through vocal exercises together. "Let's bring it down a key," Perez said. "A big brown bug bit a big brown bear, a big brown bug bit a big brown bear."It's not just vocal exercises that keep his voice in check. A camera goes down Korrey's throat and gives doctors a look at his vocal chords in action."The strobe exam is an artificial form of slow motion that lets us look at the actual vocal folds as they produce sound," said Dr. David Opperman with Presbyterian/St. Luke's Medical Center. "We can pick up subtle abnormalities in the way the chords are moving, if there's a tension difference between the right and left side.  And it's really revolutionized what we do in the voice industry."Opperman said it's not just people like John who need to take care of their voice. Really it's anyone from teachers to customer service operators who does a lot of talking. He says staying germ-free, resting your voice for a time and rinsing your nose with salt water, can all help.From old-school voice training, to high-tech analysis, who knew it takes a combination of care you can't see from the stage, to keep Korrey's voice, and the auction, going strong. 2468