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The coronavirus pandemic has sent the U.S. financial markets on a downward spiral. Last week, in just one day, the Dow Jones Industrial saw a 13 percent drop; it’s single biggest drop ever. “A lot of people are scared,” said Kelly Lannan with Fidelity Investments. “They don’t quite know what they are seeing, especially the average investor who is not following day to day.”Lannan explained most people looking at their 401k accounts are worried but advises people to put their market fears and emotions aside. “Market volatility can really be nerve-racking,” Lannan explained. “We get it from Fidelity investments perspective, and more importantly, we are here to help.”Fidelity is advising the best move right now may be no move at all. Referencing social media posts with the phase “don’t touch your face, don’t touch your 401k,” she explains most investors shouldn’t panic and divest their stocks during the economic downturn during the COVID-19 pandemic.“The most important thing to say, and I know this is really hard to hear, is not to panic,” Lannan explained. “This is a part of life, and the important thing to note, as we saw in 2008, is these downturns are usually followed by a recovery.”Not divesting doesn’t mean ignoring your investments and portfolio. In fact, Lannan believes those concerned about their portfolios and 401k’s should use this time to get more familiar with their investment plan and goals. She recommends a few steps in that review process: · Step One: Understand where you have your money by taking a look at your asset allocation and assess if it aligns with your age and your time horizon. If it does not, start making a plan to restructure your investments when the market starts to recover. · Step Two: Assess whether you have a diversified investment strategy. Diversification helps to soften the impact during market downturns. For those who have an employer sponsored retirement plan, you can reach out to your plan sponsor and ask question or get guidance on this. · Step Three: Take a look at your emergency fund. Fidelity recommends having three to six months of your essential expenses in savings. If you don’t have that and are concerned with possible unemployment due to the economic downturn, start to assess which investments you could move money from. Making a move, in terms of selling off your stocks, may not be the best decision now. However, better understanding your investment portfolio may help you make a better investment decision when the markets recover or even calm your concerns as they struggle during this downturn. “We know from behavioral finance that people make really, really bad decisions when they panic,” said Robert Stammers with the Charter Financial Analyst Institute. The CFA also recommends most invested in the stock market should hold off on divesting, especially if they have a long-term investment strategy. “If they do sell they’re going to be selling in a bad market,” Stammer explained. “They’re basically going to be doing what people tell you not to do, which is sell low and buy high, when the market comes back.”Historically, the market always rebounds. In 2008, it took five years, and in 2015 the market bounced back in about 13 months. Stammer pointed out, even with major downswings, overtime, those who stay invested still see an annual eight to nine percent return on average. “People did not think we’re going to get through the 2008 crisis,” Stammer said. “More than 60 percent said, ‘that’s it, this is never coming back, it is never going to be like this again.’ Then, after it did come back, the return on the market was like 17 percent.”The “stay the course” advice applies to mostly those with time to wait out the market. However, if you are closer to retirement, or in it, both Stammer and Lannan suggest you may want to get individual advice from a financial professional. When seeking help from a financial professional, it is wise to ask if that professional is a fiduciary, which is a financial advisor legally required to put your interest over theirs. Unfortunately, during economic downturns emotional investors are often easy targets for scammers or individuals selling financial instruments acting as financial advisors. The CFA has a 4263

The latest version of Monopoly is taking on a big social issue – the gender pay gap. It’s called Ms. Monopoly. The rules are a bit altered from the original board game to give female players a leg up. Women start with ,900, while men only start with ,500. Women also get 0 for passing go and men get the standard 0. There are some cards that give advantages to the men but they are limited. Some have criticized the new version of the game, calling it a gimmick. Others, however, say it sends a great message about gender equality. "Choosing the gender gap in wage is I think pretty bold and it's you know Monopoly is played majority by kids and so reaching them in an early age and telling the gals that they're just as valued if not more valued than men based on what they do. I think it's a great story," said Keith Meyers, owner of Board Game Republic. Meyers started working in the board game industry as a teen and is well aware of this the game and its social commentary. "I know some of the people who work at Hasbro and I applaud them for their efforts in what they've done," said Meyers. If you know the history of Monopoly, this new version is especially interesting because of who originally created the popular board game. "A mistaken conception is hat Charles Darrow was the inventor of it but it was actually Elizabeth Magie," said Meyers. "It was based off of Elizabeth Magie’s game that was actually built to show the bad side of monopolies and you know the whole tenant landlord issues."Ms. Monopoly pays homage to monopoly's original intent nearly 100 year ago. The game is also teaching a younger generation that women can make as much as men do, if not more. 1702

The Democratic National Committee's Rules and Bylaws Committee voted to remove "virtual caucusing" from Iowa's and Nevada's 2020 caucus plans on Friday, giving the states about two weeks to form an alternative proposal.The move leaves Iowa -- which had planned to use only the vote-by-phone method to comply with the Democratic Party's rules to expand voting access in the caucus states -- in a particularly tough position.Nevada's plans included in-person early voting, meaning the committee could find the state's plan in compliance without that element.Last week, DNC Chairman Tom Perez issued a statement with the committee's co-chairs saying the vote-by-phone method didn't meet security standards set to avoid hacking or tampering."While today's decision is not unexpected, we are still disappointed," Iowa Democratic Party Chairman Troy Price said in a statement after the vote. "We continue to have confidence in the abilities of our vendors to enact this process, but if the DNC does not believe the virtual caucus can be secure, then we cannot go forward. With less than five months to go, we are continuing to explore as quickly as possible what alternatives may exist in order to securely expand accessibility for the 2020 caucuses."Price, who's in New Hampshire for that state's Democratic Party convention, has been meeting with officials to find a way to include early voting in the caucus process.At issue is the use of paper ballots for Iowa, which is firmly opposed by New Hampshire, as that could seem too much like a primary to officials intent on keeping the New England state as the first in the nation primary. Should Iowa institute paper ballots in 2020, there is a possibility that New Hampshire will move its primary date before Iowa's caucuses.The DNC established new rules for caucuses last year, which included requiring an absentee option for voters who couldn't attend the regular caucus. Seven states that used party-run caucuses in 2016 will instead hold primaries in 2020."It is unfortunate the DNC won't allow us to go forward with the virtual caucus in 2020," Nevada State Democratic Party Chair William McCurdy II said in a statement. "Despite this change with less than six months to go before our February caucus, NV Dems is committed to continuing engaging new Democrats, bringing more voices into this critically important process and hosting multiple options to participate in our caucus."Rules committee members lamented their vote against virtual caucusing, citing their desire to expand voting in the primary process."I want to applaud both our state Democratic parties -- both Iowa and Nevada -- for getting as far as they did without any real, tangible guidance from either this committee or the DNC," Artie Blanco, a Nevada member of the rules committee, said ahead of the decision.Accusing Republicans of failing to protect voting from adversaries, Blanco said that "it is impossible to find a technology secure enough for our virtual caucus to protect against hacking attempts."Multiple rules committee members echoed the accusation against the Republican Party of failing to protect voting. While no member mentioned the 2016 Russian hacks of the DNC at this meeting, the issue has reverberated throughout their deliberations over these plans."These states are working hard with the assistance of DHS and the FBI. Frankly, they're not getting a lot of help from President Trump or from Senator Mitch McConnell, who are in fact trying to impede this," former Clinton White House official and committee member Elaine Kamarck said. "Nevertheless, the federal government has civil servants that are still working to try and help the state officials in those states make a safer process."Rules committee Chairman James Roosevelt Jr., recognizing the difficult position the caucus states were in, announced that Chairman Perez endorsed his plan to work with DNC leadership to find a way to make virtual caucusing work in the future."This time the effort was left to the states because that's the way the plans are normally developed," Roosevelt said. "I think we recognize now that this is bigger than any one state's problem. I'm going to urge the DNC leadership to lead this effort following the general election, so that we have three years to deal with it."The committee will meet again within two weeks to vote on final proposals from each state. Should Iowa not be able to come up with a plan in compliance, the committee could issue a waiver of the rules in 2020, which is considered a last resort. 4562

Texans are scrambling for cover Saturday as reports of tornadoes roll in and much of the central US readies for heavy rain, strong winds and large hail.More than 70 million Americans are under the threat of severe weather from Texas to southern Minnesota, CNN meteorologist Haley Brink said. That total on Sunday jumps to 80 million under threat as storms are predicted to move into the Great Lakes area.A tornado destroyed two homes Saturday morning in Comanche County, Oklahoma, southwest of Oklahoma City, said Ashleigh Hensch, an emergency management spokeswoman there. A tornado in Abilene, in central Texas, caused "widespread damage," 654

The coronavirus pandemic has sent the U.S. financial markets on a downward spiral. Last week, in just one day, the Dow Jones Industrial saw a 13 percent drop; it’s single biggest drop ever. “A lot of people are scared,” said Kelly Lannan with Fidelity Investments. “They don’t quite know what they are seeing, especially the average investor who is not following day to day.”Lannan explained most people looking at their 401k accounts are worried but advises people to put their market fears and emotions aside. “Market volatility can really be nerve-racking,” Lannan explained. “We get it from Fidelity investments perspective, and more importantly, we are here to help.”Fidelity is advising the best move right now may be no move at all. Referencing social media posts with the phase “don’t touch your face, don’t touch your 401k,” she explains most investors shouldn’t panic and divest their stocks during the economic downturn during the COVID-19 pandemic.“The most important thing to say, and I know this is really hard to hear, is not to panic,” Lannan explained. “This is a part of life, and the important thing to note, as we saw in 2008, is these downturns are usually followed by a recovery.”Not divesting doesn’t mean ignoring your investments and portfolio. In fact, Lannan believes those concerned about their portfolios and 401k’s should use this time to get more familiar with their investment plan and goals. She recommends a few steps in that review process: · Step One: Understand where you have your money by taking a look at your asset allocation and assess if it aligns with your age and your time horizon. If it does not, start making a plan to restructure your investments when the market starts to recover. · Step Two: Assess whether you have a diversified investment strategy. Diversification helps to soften the impact during market downturns. For those who have an employer sponsored retirement plan, you can reach out to your plan sponsor and ask question or get guidance on this. · Step Three: Take a look at your emergency fund. Fidelity recommends having three to six months of your essential expenses in savings. If you don’t have that and are concerned with possible unemployment due to the economic downturn, start to assess which investments you could move money from. Making a move, in terms of selling off your stocks, may not be the best decision now. However, better understanding your investment portfolio may help you make a better investment decision when the markets recover or even calm your concerns as they struggle during this downturn. “We know from behavioral finance that people make really, really bad decisions when they panic,” said Robert Stammers with the Charter Financial Analyst Institute. The CFA also recommends most invested in the stock market should hold off on divesting, especially if they have a long-term investment strategy. “If they do sell they’re going to be selling in a bad market,” Stammer explained. “They’re basically going to be doing what people tell you not to do, which is sell low and buy high, when the market comes back.”Historically, the market always rebounds. In 2008, it took five years, and in 2015 the market bounced back in about 13 months. Stammer pointed out, even with major downswings, overtime, those who stay invested still see an annual eight to nine percent return on average. “People did not think we’re going to get through the 2008 crisis,” Stammer said. “More than 60 percent said, ‘that’s it, this is never coming back, it is never going to be like this again.’ Then, after it did come back, the return on the market was like 17 percent.”The “stay the course” advice applies to mostly those with time to wait out the market. However, if you are closer to retirement, or in it, both Stammer and Lannan suggest you may want to get individual advice from a financial professional. When seeking help from a financial professional, it is wise to ask if that professional is a fiduciary, which is a financial advisor legally required to put your interest over theirs. Unfortunately, during economic downturns emotional investors are often easy targets for scammers or individuals selling financial instruments acting as financial advisors. The CFA has a 4263

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