Nebraska voters will decide six ballot issues, along with voting on candidates. Four were put on the ballot through petition drives and two were added by state lawmakers.
Payday lending
Initiative 428 would cap payday loans at a 36% annual interest rate. Such loans, also known as cash advances, check advances or delayed deposit loans, are a type of short-term, high-cost borrowing that people use to get small amounts of immediate cash. Last year in Nebraska, fees charged by payday lenders equaled an average of 387% annual interest. Advocates say the current rates are exorbitant and prey on poor people. Industry representatives say the limits could kill their businesses and harm people who can’t get credit elsewhere.
Gambling
Initiative 429 would amend the Nebraska Constitution to allow casino gambling at licensed horse race tracks. The amendment sets the legal foundation for laws authorizing, regulating and taxing the new gambling.
Initiative 430 is a proposed law that would authorize casinos at licensed horse race tracks and create a seven-member Nebraska Gaming Commission to oversee and regulate those casinos. It would require a license fee of $1 million for each casino operator and bar anyone under age 21 from gambling at the casinos.
Initiative 431 is a proposed law that would impose taxes on the new race track casinos and direct where the tax money would go. It would send 70% of the taxes to the Property Tax Credit Cash Fund, 25% to the city or county where the track is located, 2.5% to support treatment for compulsive gamblers and 2.5% to the state general fund.
Supporters of the measures say they would raise new revenue for property tax relief, keep gamblers from spending their money in other states and help support horse racing. Opponents say casino gambling can be addictive, drains money from communities and creates a number of social problems. Voters can consider the measures independently and do not need to vote the same way on all of them.
Slavery
Amendment 1 would remove the last vestige of slavery from the Nebraska Constitution. The constitution currently bans slavery or involuntary servitude except as punishment for a crime. The exception allowed a practice known as convict leasing, in which prisoners were leased out to provide labor. The practice ended in 1940.
Tax-increment financing
Amendment 2 would allow enhanced tax benefits for developments in “extremely blighted” areas. The proposal would allow up to 20 years of tax-increment financing, instead of 15 years, in areas with high unemployment and high poverty rates. With tax-increment financing, cities put the additional property taxes generated by a development project into paying project-related costs, such as sidewalks and sewers.
Photos: Our best staff images of October 2020
Turtle Voting Power

Rida Rahman, 4, waits in line with her parents, Hafiz Rahman, left, and Shamsun Ruby, right, at the Douglas County Election Commission on Saturday, October 31, 2020. Rida was dressed as Raphael, from the Teenage Mutant Ninja Turtles, while her parents were in line for early voting.
Early Vote

Douglas County residents wait in line to vote early outside the Douglas County Election Commissioner’s Office in Omaha on Friday, Oct. 30, 2020.
Flex

Omaha Westside's Koby Bretz tries to catch a pass in front of Grand Island's Alex Hinken in the end zone. It was ruled not a catch.
Pass

Gretna wide receiver Connor Edwards battles Kearney defensive back Kaden Miller for control of a pass.
Guard

Security personnel oversee a rally supporting President Donald Trump at Eppley Airfield in Omaha on Tuesday, October 27, 2020. President Trump spoke as part of a Make America Great Again! campaign rally later in the evening.
President Trump Visits

Supporters cheer as President Donald Trump speaks at Eppley Airfield in Omaha on Tuesday, October 27, 2020. President Trump spoke as part of a Make America Great Again! campaign rally.
Snow

Yemin Zeng, right, pushes Yechun Zeng, both 5, on a sled down a hill at Memorial Park early Monday afternoon. Overnight, snow fell in the Omaha area but had mostly melted by the afternoon.
Jump

Millard North’s Jimmy Quaintance, left, Charlie Quaintance, center, and Barrett Luce celebrate a first-quarter touchdown against Norfolk. Jimmy threw the scoring pass to his brother, Charlie.
Ready

Kearney Catholic's Gavin Drumheller (53), Kale Murphy (52) and Seth Moore (66) line up as their team is introduced before the start of the Cozad vs. Kearney Catholic football game at Kearney Catholic High School on Friday, October 23, 2020.
Cold

Kearney Catholic cheerleaders huddle for warmth in the fourth quarter of the Cozad vs. Kearney Catholic football game at Kearney Catholic High School on Friday, October 23, 2020. Kearney Catholic won the game 31-0.
Opposite Worlds

The Elkhorn student section storms the field as Omaha Skutt Catholic players walk off the field.
Eye on Ball

Elkhorn South's Katie Galligan (6) competes in the Elkhorn South vs. Papillion-La Vista South Metro Conference championship match at Papillion-La Vista South High School on Thursday, October 22, 2020. Elkhorn South won in five sets. Elkhorn South won in five sets.
Spooky Vote

A spooky reminder to vote in a home's yard near 72nd and Cass Street in Omaha on Thursday, October 22, 2020.
Colorful Run

Leaves start to change color on trees as a jogger runs down the south side of the Dodge Street Pedestrian bridge, as viewed from Memorial Park on Wednesday, October 21, 2020.
High school first day

Students return to school for their first day of in person classes for the 2020-2021 school year at South High School in Omaha on Monday, October 19, 2020.
Cheer

Elkhorn South fans cheer from the stands during a timeout against Bellevue West.
Softball Champs 1

Papio pitcher Jordyn Bahl hugs head coach Todd Petersen after winning the Class A Championship over North Platte.
Softball Champs 2

Omaha Skutt Catholic second baseman Alexa Rose reacts after scoring against North Platte.
Drum

The Southern Boyz drum group strikes a drum during a memorial ceremony for Zachary Bear Heels at Schroeder Vogel Park in Omaha on Saturday, October 17, 2020.
Stiff Arm

Omaha Westside quarterback Cole Payton runs 60-yards as he stiff-arms Kansas City St. Thomas Aquinas’ Jacob Bittner in the first quarter for Westside’s third touchdown of the first quarter against at Omaha Westside on Friday, October 16, 2020.
Pumpkin Paint

Reagan Garvey, left, and Sarah Babe, both 19 and of Omaha, paint pumpkins at Elmwood Park in Omaha on Monday, October 12, 2020.
Renovate

Renovation work continues on the site of the historic former Logan Hotel, located at 1802 Dodge St.on Monday, October 12, 2020.
Nature Color

A tree changes colors at Elmwood Park in Omaha on Monday, October 12, 2020.
Build

Siblings Juan Jesus Alvarez, 10, and Shantaly Alvarez, 9, of Omaha build a structure modeled after a Native American tent with branches at Elmwood Park on Monday.
Enter

Millard West takes the field before the start of the Millard West vs. Bellevue West football game at Bellevue West High School on Friday, October 9, 2020. Bellevue West won the game 42-7.
Harvest

Zach Benes harvests soybeans on farm east North of Lincoln, just east of North 40th Street, north of Interstate 80 on Wednesday, September 30, 2020.
Jump

Elkhorn South's line backer Makhi Nelson-Douglas (2) and defensive lineman Maverick Noonan celebrate after sacking Gretna quarterback Zane Flores (not pictured).
Roses

People smell the flowers in the Memorial Park Rose Garden in Omaha on Tuesday, September 29, 2020.
Friday Night Lights

Omaha Skutt's Sam Scott scores a third-quarter touchdown against Gretna.
Vice President

Vice President Mike Pence arrives at Eppley Airfield in Omaha on Thursday, October 01, 2020. The vice president spoke at PVS Structures, a metal fabricator, in Carter Lake, Iowa as part of a Make America Great Again! campaign event.
Touchdown

Gretna quarterback Zane Flores lucks up after rushing for a third quarter touchdown against Omaha Skutt.
Pet Parade

Dawn Forney, left, and Jolynn Keplinger, both of Omaha, wear Tigger and Winnie the Pooh costumes as their dogs Bitsy, a 6-year-old Maltese poodle mix and Scarlet, a 3-year-old Great Dane, wear Piglet and Eeyore costumes for the pet parade during Farnam Fest along Farnam Street in Omaha on Saturday, October 3, 2020.
First Day Back

Students arrive for the first day of in-person class for OPS elementary schools at Springville Elementary School in Omaha on Monday, October 5, 2020. Families that have opted for in-person teaching will follow a 3-2 model, with students in the classroom every other day.
martha.stoddard@owh.com, 402-473-9583,