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Eight-time MLB All-Star pitcher Roy Halladay died on Tuesday at the age of 40 in a plane crash in the Gulf of Mexico, just off the coast of Pasco County, Florida, law enforcement officials confirmed.The crash occurred early Tuesday afternoon. Officials originally said that a plane with a tail number matching Halladay's private aircraft had gone down in the Gulf of Mexico. Halladay was the only person on the two-seater plane that crashed just off Holiday, on Florida's Gulf coast north of the Tampa Bay area, Pasco County Sheriff Chris Nocco said.Halladay was twice named as a Cy Young Award winner. He won the award in 2003 as a member of the Toronto Blue Jays, and won the award again in 2010 as a member of the Philadelphia Phillies. Halladay retired at the end of the 2013 season after compiling a career 203-105 record in the MLB. "We are numb over the very tragic news about Roy Halladay's untimely death," the Phillies said in a statement. "There are no words that describe the sadness that the entire Phillies family is feeling over the loss of one of the most respected human beings to ever play the game." 1166

Election Day may not be until November 6, but deadlines to register to vote are already approaching. Check out when your state's deadline is in the list below. Some states allow people to register online while others strictly accept registration through the mail. Mail-in deadlines can refer to when the envelope must be postmarked or when it must be received so check out the details for your state at vote.gov.Not sure if you're registered? You can check online at vote.org.It's also important to note that some states allow people to register in-person through Election Day on November 6. These states include: Colorado, Connecticut (at local election office, not polling locations), D.C., Hawaii, Idaho, Illinois (at local election office), Iowa, Maine, Minnesota, Montana (at local election office), New Hampshire, Vermont, Wisconsin and Wyoming. 869

Dr. Anthony Fauci warned Sunday that even if a COVID-19 vaccine becomes available, it still may not yield herd immunity.In an interview with the Aspen Institute on Sunday, Fauci — the U.S.'s top infectious disease expert — said he would settle for a vaccine that is between 70 and 75% effective."I doubt seriously that any vaccine will ever be a hundred percent protective. The best we've ever done is measles, which is 97 to 98% effective. That would be wonderful if we get there. I don't think we will," Fauci said. "I would settle for 70, 75% effective vaccine because that would bring you to that level of would-be herd immunity level."But a CNN poll says one-third of Americans do not plan to get a vaccine if it becomes available. Fauci said Sunday that if those figures hold true and a potential COVID-19 vaccine is only 75% effective, the U.S. population would not reach the herd immunity threshold that would kill the virus."That's one of the reasons why we have to make sure we engage the community as we're doing now to get community people, to help us for people to understand that we are doing everything we can to show that it's safe and that it's effective," Fauci said. "And it's for the good of them as individuals and in society to take the vaccine."Three coronavirus vaccines are expected to be studied in large-scale clinical trials in the next three months.Herd immunity comes when a sufficient portion of a population is immune to an infectious disease. That can come either come through prior illness or vaccination, making the disease unlikely to spread further. 1594

Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

Donald Trump Jr. on Tuesday evening marked Halloween by tweeting that he would redistribute his child's candy to "teach her about socialism.""I'm going to take half of Chloe's candy tonight & give it to some kid who sat at home. It's never to (sic) early to teach her about socialism," the President's eldest son tweeted, along with a photo of his daughter dressed as a police officer and carrying a bucket of candy.Trump Jr.'s dig at socialism got a reaction from some on the left.The socialist magazine Jacobin tweeted a screenshot of Trump Jr.'s tweet and wrote, "Just wait until she finds out about capital income!"And Twitter user @Bearpigman said socialism was more similar to children getting free candy from trick-or-treating than it was to her father taking her candy.Trump Jr., like his father, tweets relatively often, drawing a mixture of praise from President Donald Trump's supporters and scorn from his detractors on social media.Trump Jr. garnered controversy last year when he tweeted a meme comparing refugees to Skittles. The Trump campaign defended his tweet, while the candy maker distanced itself from Trump Jr.'s comparison.  1165

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