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There has been talk around the country lately of a recession and what to do to prevent it from happening.President Donald Trump has pushed the idea of significantly lowering interest rates.So, what would that mean for the average American? "What it does is it shifts the economic balance of power towards borrowers and away from lenders,” said Miles Kimball, Professor of Economics at the University of Colorado Boulder. “And guess what, people who borrow money are people who are more eager to spend than lenders." This could make getting a loan easier and more affordable.Kimball says if interest rates drop, it encourages people to spend money they've been saving rather than leave it in the bank."All of a sudden you think about a zero percent loan, obviously the economic benefit is huge there," said a new home buyer, Todd.Zillow says the average price of a home is 1,000. With a 3.8% interest rate, a payment would be ,144, but even if the rate dropped to just 1%, it would be 8. Although that sounds amazing, banks would have to charge fees because they would be handing out more money than depositors are putting in. 1146
The sound of gunshots quickly set off a panic at the Gilroy Garlic Festival in California late Sunday afternoon."It almost sounded like the amps were popping, like something had blew. but then it kept going," Emma Petersen said.Petersen was working one of the booths. She says her first instinct was to run with everyone else as fast as she could."I brought my eyes up and I just saw a cloud of people running at us," she said.The Garlic Festival has become Gilroy's most popular event. It's been around for 40 years, and the locals use it to raise money for charities, schools and nonprofit organizations. However, Sunday's attack has left the community in the "Garlic Capital of the World" feeling shattered."Here we have three families of people who have been murdered that are going to be devastated for eternity," Alex Larson said.Larson owns the Original Garlic Shoppe located in the heart of town. His community is in mourning but showing support to one another. "Currently all the high schools have grief counseling for the children even though they're not in school," he said."Gilroy is an amazing, tightly-knit community," Brian Bowe, the executive producer of the Garlic Festival said in a press conference Sunday night. "We are family. We have had the wonderful opportunity in this community to celebrate our family through our Garlic Festival, and for over four decades that festival has been our annual family reunion.""I feel that we'll be able to pull through from it, but it's still shocking in the moment," Petersen said. "There's gonna be a lot of hugging, a lot of kissing a lot of crying and that needs to happen first before everybody's gonna be able to get back online," Larson said. 1719

Their story gripped the world: determined divers racing against time and water to rescue 12 boys and their soccer coach trapped for more than two weeks in a flooded cave deep inside a northern Thai mountain.The ordeal in late June and early July 2018 had barely ended when filmmakers began their own race to get the nail-biting drama onto cinema screens. The first of those projects will premiere this weekend, when director Tom Waller’s “The Cave” shows at the Busan Film Festival in South Korea.The film was shot over three months earlier this year and has been in post-production since then. The 45-year-old Thai-born, British-raised filmmaker said the epic tale of the Wild Boars football team was a story he simply had to tell.The boys and their coach entered the Tham Luang cave complex after soccer practice and were quickly trapped inside by rising floodwater. Despite a massive search, the boys spent nine nights lost in the cave before they were spotted by an expert diver. It would take another eight days before they were all safe.Waller was visiting his father in Ireland when he saw television news accounts of the drama.“I thought this would be an amazing story to tell on screen,” he said.But putting the parts together after their dramatic rescue proved to be a challenge. Thailand’s government, at the time led by a military junta, became very protective of the story, barring unauthorized access to the Wild Boars or their parents. Waller often feared his production might be shut down.His good fortune was that the events at the Tham Luang cave in Chiang Rai province had multiple angles and interesting characters. Especially compelling were the stories of the rescuers, particularly the expert divers who rallied from around the world. He decided to make a film “about the volunteer spirit of the rescue.”Other people proposed telling the story from the point of view of the boys, and Netflix nailed down those rights in a deal brokered by the Thai government.“I took the view that this was going to be a story about the people we didn’t know about, about the cave divers who came all the way from across the planet,” Waller said. “They literally dropped everything to go and help, and I just felt that that was more of an exciting story to tell, to find out how these boys were brought out and what they did to get them out.”Waller even had more than a dozen key rescue personnel play themselves.Waller said they were natural actors, blending in almost seamlessly with the professionals around them, and helped by the accuracy of the settings and the production’s close attention to detail.“What you are really doing is asking them to remember what they did and to show us what they were doing and what they were feeling like at the time,” he said. “That was really very emotional for some of them because it was absolutely real.”Waller said his film is likely to have a visceral effect on some viewers, evoking a measure of claustrophobia.“It’s a sort of immersive experience with the sound of the environment, you know, the fact that is very dark and murky, that the water is not clear,” he said.“In Hollywood films, when they do underwater scenes, everything is crystal clear. But in this film it’s murky and I think that’s the big difference. This film lends itself to being more of a realistic portrayal of what happened.”Some scenes were filmed on location at the entrance to the actual Tham Luang cave, but most of the action was shot elsewhere, Waller said.“We filmed in real water caves that were flooded, all year-round,” he said. “It is very authentic in terms of real caves, real flooded tunnels, real divers and real creepy-crawlies in there. So it was no mean feat trying to get a crew to go and film in these caves.”“The Cave” goes on general release in Thailand on Nov. 28. 3824
There are nearly 3 billion fewer birds in North America today than there were in 1970 — a population decrease of nearly one third, according to a study published Thursday.The study, which was published in 217
Today, one-third of people under 30 have student debt.The Pew Research Center says those people are 11 percent more likely to struggle financially than people who graduated college without debt.Chris Stewart met with a young woman, Lauren McCabe, who says she's buried in student debt and will spend the next 15 years digging herself out of it. Watch the interview to learn more about McCabe’s story and her advice to students entering college. 457
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