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                      | It's Monday, Daily Money readers. Not only have we reached November, but Election Day is tomorrow. Let's review today's top stories in Money and Tech. | 
                                                                              | The potential economic recovery from the pandemic could encounter a harsh winter. Nearly 1 in 10 U.S. businesses said they plan to lay off workers during the final three months of the year, according to a new survey. | 
                                                                              | As if dealing with a global pandemic weren't enough, many retailers are worried about what might happen after Election Day.  | 
                                                                              | Finally, we realize it's Monday, so let's focus on something we can all agree is fantastic: free food. Several restaurants are offering free or discounted food on Election Day. | 
                                                                              | Want more Money and Tech headlines? Keep scrolling.   | 
                                                                              | Brett Molina, Money/Tech editor | 
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