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                      | Good morning, Daily Money subscribers, it's Nathan hoping you had a pleasant weekend! | 
                                                                              | 💻 Facebook says it's cracking down on hate speech. But internal company research suggests that effort is failing. | 
                                                                              | That's our team's conclusion after reviewing a trove of Facebook documents as part of a consortium of news organizations that analyzed disclosures made to the Securities and Exchange Commission by whistleblower Frances Haugen. | 
                                                                              | Less than 5% of all hate speech on Facebook is deleted, according to one estimate cited in Jessica Guynn's story today. | 
                                                                              | "The documents provide a rare glimpse into the internal decisions made at Facebook that affect nearly 3 billion users around the globe," write our Terry Collins, Rachel Axon, Aleszu Bajak, Kenny Jacoby, Marisa Kwiatkowski and Guynn. | 
                                                                              | 💰 The Daily Money is USA TODAY's Monday-through-Friday-morning roundup of all things personal finance, business and tech. If this email was forwarded to you or if you found it online, you can subscribe for free here! | 
                                                                              | On to our ...  | 
                                                                              | 💡 INSIGHT OF THE DAY: The red-hot housing market is scaring off many prospective buyers: 66% thought it was a bad time to buy in September, up from 38% in September 2020, according to the Home Purchase Sentiment Index (HPSI) survey by Fannie Mae reported by our Swapna Venugopal Ramaswamy. | 
                                                                              | 📰 And here are more stories you won't want to miss: | 
                                                                              | 1. Hertz is buying 100,000 Teslas: The rental car company is making the industry's largest-ever investment in electric vehicles. | 
                                                                              | 2. Which is more expensive: charging an electric vehicle or fueling a car with gas? We've got answers. | 
                                                                              | 3. Older Americans are being targeted: Scam artists are taking advantage of them during the pandemic, promising romance. | 
                                                                              | 4. 3G is going away: Here's how to prepare, via our Talking Tech podcast. | 
                                                                              | 5. They're pretty and powerful. But are Apple's new MacBook Pro laptops made for you? | 
                                                                              | 6. Kellogg's strawberry-flavored Pop-Tarts have a misleadingly small amount of actual strawberries, according to a new lawsuit seeking class-action status. | 
                                                                              | I, for one, am shocked. | 
                                                                              | --@NathanBomey  | 
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