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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

HOUSTON (AP) — Despite the miles traveled, the tens of millions of dollars raised and the ceaseless churn of policy papers, the Democratic primary has been remarkably static for months with Joe Biden leading in polls and Elizabeth Warren and Bernie Sanders vying to be the progressive alternative. That stability is under threat on Thursday.All of the top presidential candidates will share a debate stage, a setting that could make it harder to avoid skirmishes among the early front-runners. The other seven candidates, meanwhile, are under growing pressure to prove they're still in the race to take on President Donald Trump next November.The debate in Houston comes at a pivotal point as many voters move past their summer vacations and start to pay closer attention to the campaign. With the audience getting bigger, the ranks of candidates shrinking and first votes approaching in five months, the stakes are rising."For a complete junkie or someone in the business, you already have an impression of everyone," said Howard Dean, who ran for president in 2004 and later chaired the Democratic National Committee. "But now you are going to see increasing scrutiny with other people coming in to take a closer look."The debate will air on a broadcast network with a post-Labor Day uptick in interest in the race, almost certainly giving the candidates their largest single audience yet. It's also the first debate of the 2020 cycle that's confined to one night after several candidates dropped out and others failed to meet new qualification standards.If nothing else, viewers will see the diversity of the modern Democratic Party. The debate, held on the campus of historically black Texas Southern University, features several women, people of color and a gay man, a striking contrast from the increasingly white and male Republican Party. It will unfold in a rapidly changing state that Democrats hope to eventually bring into their column.Perhaps the biggest question is how directly the candidates will attack one another. Some fights that were predicted in previous debates failed to materialize with candidates like Sanders and Warren in July joining forces to take on their rivals.The White House hopefuls and their campaigns are sending mixed messages about how eager they are to make frontal attacks on anyone other than President Donald Trump. That could mean the first meeting between Warren, the rising progressive calling for "big, structural change," and Biden, the more cautious but still ambitious establishmentarian, doesn't define the night. Or that Kamala Harris, the California senator, and Pete Buttigieg, the mayor of South Bend, Indiana, look to reclaim lost momentum not by punching upward but by reemphasizing their own visions for America.Biden, who has led most national and early state polls since he joined the field in April, is downplaying the prospects of a titanic clash with Warren, despite their well-established policy differences on health care, taxes and financial regulation."I'm just going to be me, and she'll be her, and let people make their judgments. I have great respect for her," Biden said recently as he campaigned in South Carolina.Warren says consistently that she has no interest in going after Democratic opponents.Yet both campaigns are also clear that they don't consider it a personal attack to draw sharp policy contrasts. Warren, who as a Harvard law professor once challenged then-Sen. Biden in a Capitol Hill hearing on bankruptcy law, has noted repeatedly that they have sharply diverging viewpoints. Her standard campaign pitch doesn't mention Biden but is built around a plea that the "time for small ideas is over," an implicit criticism of more moderate Democrats who want, for example, a public option health care plan instead of single-payer or who want to repeal Trump's 2017 tax cuts but not necessarily raise taxes further.Biden, likewise, doesn't often mention Warren or Sanders. But he regularly contrasts the price tag of his public option insurance proposal to the single-payer system that Warren and Sanders back. The former vice president, his aides say, is willing to have discussion over health care, including with Warren.Ahead of the debate, the Biden campaign also emphasized that he's released more than two decades of tax returns, in contrast to the president. That's a longer period than Warren, and it could reach back into part of her pre-Senate career when she did legal work that included some corporate law.Biden's campaign won't say that he'd initiate any look that far back into Warren's past, but in July, Biden was ready throughout the debate with specific counters for rivals who brought up weak spots in his record.There are indirect avenues to chipping away at Biden's advantages, said Democratic consultant Karen Finney, who advised Hillary Clinton in 2016. Finney noted Biden's consistent polling advantages on the question of which Democrat can defeat Trump.A Washington Post-ABC poll this week found that among Democrats and Democratic-leaning voters, Biden garnered 29% support overall. Meanwhile, 45% thought he had the best chance to beat Trump, even though just 24% identified him as the "best president for the country" among the primary field."That puts pressure on the others to explain how they can beat Trump," Finney said.Voters, Finney said, "want to see presidents on that stage," and Biden, as a known quantity, already reaches the threshold. "If you're going to beat him, you have to make your case."Some candidates say that's their preferred path.Harris, said spokesman Ian Sams, will "make the connection between (Trump's) hatred and division and our inability to get things done for the country."Buttigieg, meanwhile, will have an opportunity to use his argument for generational change as an indirect attack on the top tier. The mayor is 37. Biden, Sanders and Warren are 76, 78 and 70, respectively — hardly a contrast to the 73-year-old Trump.There's also potential home state drama with two Texans in the race. Former Rep. Beto O'Rourke and former Obama housing secretary Julian Castro clashed in an earlier debate over immigration. Castro has led the left flank on the issue with a proposal to decriminalize border crossings.For O'Rourke, it will be the first debate since a massacre in his hometown of El Paso prompted him to overhaul his campaign into a forceful call for sweeping gun restrictions, complete with regular use of the F-word in cable television interviews.O'Rourke has given no indication of whether he'll bring the rhetorical flourish to broadcast television. 6612

If you’re a potential homebuyer eyeing interest rates and real estate listings, you might be scratching your head. Mortgage rates are historically low, which means the cost of borrowing is cheap. However, home prices are up in all areas of the country, according to the most recent data from the National Association of Realtors.Whether you’re a first-time buyer on a budget or you have a large down payment and a high income, nobody wants to lose money on real estate.Unfortunately, there’s no simple answer to the question of whether to buy or not to buy. For one, real estate is local. So, although home values continue to rise in every region, there are unique differences among states, cities and even neighborhoods. But there are some indicators homebuyers can plug into their own personal situation that can help them get a better handle on how well current market conditions line up with their goals.Related: Compare Personalized Mortgage Rates From 6 LendersMortgage Rates Could Start Rising With a Coronavirus VaccineA big wake-up call for mortgage borrowers came Monday when Pfizer announced preliminary results indicating its Covid-19 vaccine candidate is highly effective, causing markets to surge. Following the announcement, 10-year Treasury yields and mortgage rates both shot up.If the U.S. government approves the Pfizer vaccine, mortgage rates likely will start to rise, experts predict. This would exacerbate an already expensive housing market.“If the vaccine is approved, I would expect Treasury bond yields to move above 1% by 2021,” says John Lonski, markets economist at Moody’s Analytics. Ten-year yields are currently below 0.90%. “A vaccine will lead to an upturn in economic activity and business activity. Even if the Fed keeps the federal funds target in the current range, yields will rise, which means mortgage rates will, too.”Lower rates means more buying power; however, the large gains in home values have canceled out monthly savings. In fact, comparing starter home prices in the fourth quarter of 2019 with current starter home prices and their respective mortgage rates, today’s buyers will pay slightly more in monthly payments but could save tens of thousands of dollars in total interest paid.Home Prices Are RisingMedian single-family home prices climbed in all 181 metropolitan statistical areas tracked by the National Association of Realtors (NAR), according to its latest report. The double-digit year-over-year gains were most prominent in the West (13.7%), followed by the Northeast (13.3%), the South (11.4%), and the Midwest (11.1%).Median home prices on existing single-family homes shot up to 3,500, 12% higher from this time last year. This means that home prices are growing four times as fast as median family income.“Favorable mortgage rates will continue to bring fresh buyers to the market,” said Lawrence Yun, chief economist at NAR. “However, the affordability situation will not improve even with low interest rates because housing prices are increasing much too fast.”A colossal 65% of the areas measured (117 areas out of 181) saw double-digit price growth year-over-year.Although there’s strong growth in both urban and suburban areas, the data shows that less densely populated places are still performing better than packed cities in terms of homes sales and values. But some economists warn that with a vaccine on the horizon, the economy will snap back quickly thanks to a strong foundation going into the pandemic and could leave some homeowners with buyer’s remorse.“People are frightened. They’re running out of cities and going to suburbs. This fear-driven demand for housing is dangerous,” says Lonski, the Moody’s economist. “What happens to housing when Covid-19 is behind us? A lot of people will discover that they paid a little too much for homes. Unless you absolutely have to move, you should take a cautious approach to buying a home right now.”Look to New Construction to Help Slow Home Price GainsHousing affordability has been an issue for a few years now as residential construction has lagged behind demand, creating an enormous imbalance in the market. At the beginning of 2020, construction was picking up but Covid pushed a pause button on activity.The good news is that new residential construction is beginning to ramp up again. In September, housing starts were up by 11% year-over-year. According to the recent Dodge Data & Analytics 2021 Construction Outlook, U.S. construction starts are projected to increase by 4% next year, to 1 billion.“Construction has recaptured some of the momentum it lost at the beginning of the year, so that will be good for inventory,” says Danielle Hale, chief economist at Realtor.com.Hale says that inventory is really the only thing that can hit the brakes on rapid price growth, discounting other possibilities like baby boomers downsizing and expanding the pool of inventory as a meaningful solution.“As far as boomers moving and downsizing, we haven’t seen a lot of that,” Hale says. “We expect the biggest help on the inventory side to come from new construction. It’s not going to be completely easy—there will still be affordability challenges. We don’t expect prices to decline; instead price growth will just slow and get in line with wages.”What Homebuyers Should Consider Before BuyingThe five-year rule is the first thing you should consider before buying, which is a general calculation that shows when you’ll break even from closing costs.If you plan on moving within five to seven years, you’ll likely lose money on the sale—unless home prices jump up dramatically, which is not something buyers should count on.For homebuyers who plan on staying in the home long-term, there’s more time to build equity and make up for those hefty closing costs, which can equal about 2% to 5% of the purchase price.“Don’t get carried away by the madness of crowds. In the back of your mind you should be asking yourself: ‘Can I sell this property, if I have to, without losing too much?,’” Lonski says.To determine whether you can truly afford the house, consider taxes, insurance and repairs, in addition to the cost of the mortgage, which will vary based on your credit score, the type of loan you take out and the amount you put down towards the purchase out of pocket.Leslie Tayne, founder and head attorney at Tayne Law Group in New York, advises buyers to keep expenses at 30% of your income.“For example, when an individual has enough savings for a 20% down payment (to avoid private mortgage insurance), the mortgage payment is no more than 28% of their monthly income, and they have a 700+ credit score, buying a house can be a good financial move,” Tayne says. “Buying makes sense, too, when the value of the home decreases or there is an opportunity to purchase a property that is below market value.”Related: Compare Personalized Mortgage Rates From 6 Lenders 6919

If you are going to steal someone's identity, choosing one of the most popular cartoon characters in the world is probably the worst identity to steal. For one English police officer, she was not fooled by the fake "Homer Simpson" driver's license. According to the Thames Valley Police, a man being pulled over in Milton Keynes, England handed an officer a driver license with "The Simpsons'" patriarch. The fake ID did not even have Simpson's correct address. The ID's address said 28 Springfield Way, but fans of "The Simpsons" would know that the family lives at 742 Evergreen Terrace. Thames Valley Police said that the driver's car was seized and the driver was reported for driving without insurance and driving without a proper license.  798

If you've always wanted a free chicken sandwich from Popeyes, now is your chance.Now until June 30, place a minimum order through the Popeyes site or mobile app, and you'll receive a free chicken sandwich.To receive the offer, the company says it has to be your first time ordering through the app. 310