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Surveillance video captured a woman red-handed, with her hand in a donation box at a 7 - Eleven in Melvindale, Michigan.However, she wasn’t putting in her two cents.  The images have some people outraged and giving the lady a piece of their minds. The video shows the woman standing at the counter. It appears when the coast was clear, she made her move.According to the video, she grabbed the donation box meant for the Dearborn Animal Shelter and people with Friends For Animals of Metro Detroit.The staff and volunteers help cats and dogs every step of the way. The donations are used for medical care, food, shelter and anything the animals need in order to help them get adopted.Now it’s gone. “There’s about 40 dollars in there coins and bills”, said 7-Eleven employee Michelle Roberson.“Robbing alone is disturbing, but from a charity that only helps people!,"  said David Wayman, who also works at the store. The shelter and the non-profit both need the support, said  Katie Johnson, Director of Operations with Friends of Animals of Metro Detroit.“We are a non-profit, we take in 2,500 animals a year and we rely on the generosity and support of wonderful donors," Johnson said. "We just put an appeal out there to say, whoever took it, please return it because it will really help us save a little furry life." If you would like to help them recoup some of the money that was lost when the donation box was stolen, you can make a donation at www.metrodetroitanimals.org. 1603

Target announced on Thursday that it is targeting diversity.In a press release, the retailer says they plan to increase its Black workforce by 20% in the next three years by "sharpening its focus on advancement, retention, and hiring."“The changes we’re making are going to have a meaningful impact on the careers of our Black team members and prospective team members,” said Kiera Fernandez, Vice President, Human Resources and Chief Diversity and Inclusion Officer in the press release. “A diverse and inclusive team at Target is one where there’s equity in how we promote, retain, and hire team members. Additional leadership development, training programs, and mentorship for our Black team members, along with a focus in areas of the business where our Black representation is not as strong, will offer new career development opportunities for our team for years to come. And we know the support we have for our team helps extend our reach outside our walls, creating a ripple effect that impacts our guests and communities.”The company says it plans to develop programs to hire and retain Black team members, increase its network of mentors and sponsors, and conduct anti-racist training for leaders and team members that'll "educate, build inclusion acumen, and foster a sense of belonging."The Minnesota-based company also released its latest diversity report. The Data collected in 2019 showed that 15% of workers were Black, 12% of managers were Black, 5% of Target officers were Black, and 8% of its leadership team was Black.Data also showed that its board of directors was 15% black. 1604

Tens of thousands of people turn to Google every month to see if now is the time to invest. It’s a loaded question, especially this year: In late February 2020, the S&P 500 began a monthlong decline, finding what investors hope was the pandemic floor on March 23.Historically, it has taken an average of about two years for the market to recover from a crash; this time, it bounced back in just 149 days. By the end of August, the index was once again hitting record highs.Stranger still, this unprecedented recovery came amid dour headlines, with U.S. unemployment hitting an all-time high in April and remaining above 10% through July.Between the stock market’s erratic behavior and economic uncertainty across the globe, investors are understandably wary. But that shouldn’t mean sitting out of the market.Understanding the Main Street-Wall Street disparityThe market’s recovery is clearly at odds with the U.S. economy. But a closer look shows this imbalance may not be as perplexing as it seems.The stock market reflects investor sentiment about the future, not what’s happening right now. While retail investors may be more inclined to buy and sell based on daily headlines, institutional investors are looking far ahead. And given the rapid market recovery (and the expectation of continued help from the Federal Reserve), it appears Wall Street isn’t spooked.The S&P 500 is also market cap-weighted, meaning larger companies will have a bigger impact on its performance (see how the S&P 500 works to learn more about this). The five largest companies in the index (Apple, Microsoft, Amazon, Facebook and Google’s parent company Alphabet) are in tech, an industry that hasn’t been hit as hard by COVID-19. The tech-driven recovery helped push the S&P 500 to its record high, despite the ongoing economic issues caused by the pandemic.And then there are the high hopes for an eventual vaccine. According to Robert M. Wyrick Jr., managing member and chief investment officer of Post Oak Private Wealth Advisors in Houston, investors may be betting on the belief that a coronavirus vaccine will be produced sooner rather than later. If and when a viable vaccine is broadly available, it’s likely to be a big driver of continued growth in the markets.“While this is likely already priced into the market to some degree, I would prefer not to be on the sidelines when this ultimately happens,” says Wyrick, whose firm specializes in advanced risk-managed investing.Timing the market vs. time in the marketAccording to Marguerita Cheng, a certified financial planner and CEO of Blue Ocean Global Wealth in Gaithersburg, Maryland, when you start investing isn’t as important as how long you stay invested. And that’s a maxim to remember in a pandemic, too.“The best way to build wealth is to stay invested, but I know that can be challenging,” Cheng says in an email interview.It’s easier if you invest only for long-term goals. Don’t invest money you may need in the next five years, as it’s highly possible the stock or mutual fund you purchase will drop in value in the short term. If you need those funds for a large purchase or emergency, you may have to sell your investment before it has a chance to bounce back, resulting in a loss.But if you’re investing for the long term, those short-term drops aren’t of much concern to you. It’s the compounding gains over time that will help you hit your retirement or long-term financial goals. (See how compounding gains work with this investment calculator.)The water’s fine, but wade in slowlyOne of the best strategies to remain calm and stay invested during periods of volatility is a technique known as dollar-cost averaging.Through this approach, you invest a specific dollar amount at regular intervals, say once or twice a month, rather than trying to time the market. In doing so, you’re buying in at various prices that, in theory, average out over time.Wyrick notes this is also an excellent strategy for first-time investors looking to enter the market during times of uncertainty.“It’s very difficult to time when to get into the market, and so there’s no time like the present,” Wyrick says. “I wouldn’t go all-in at once, but I think waiting around to see what happens to the economy or what happens to the market in the next three, six or nine months in most cases ends up being a fool’s errand.”So how, exactly, do you start dollar-cost averaging into the market? A common strategy is to pair this with stock funds, such as exchange-traded funds. ETFs bundle many different stocks together, letting you get exposure to all of them through a single investment. For example, if you were to invest in an S&P 500 ETF, you would have a stake in every company listed in the index. Rather than investing all your money in a few individual stocks, ETFs help you quickly build a well-diversified portfolio.To dollar-cost average you could set up automatic monthly (or weekly, or biweekly) investments into an ETF through your online brokerage account or retirement account. Through this approach, you would achieve the benefits of dollar-cost averaging and diversification, all through a hands-off strategy designed for building long-term wealth.More From NerdWallet5 Things to Know About Gold’s Record-Breaking RunNew Investors: Quit Stock-Picking and Do This, Expert Says6 Ways Your Investments Can Fund Racial JusticeChris Davis is a writer at NerdWallet. Email: cdavis@nerdwallet.com.The article In a Year of Uncertainty, Should You Still Buy Stocks? originally appeared on NerdWallet. 5570

Student loan and eviction protections, as well as unemployment benefits, are among the host of pandemic related government programs set to end by the end of the year unless Congress acts. The issue is that members of Congress are not scheduled to be in Washington for several weeks between now and the end of the year. Breaks are scheduled over the Thanksgiving holiday as well as over Christmas and New Year's. The leaves just 15 business days to accomplish anything, otherwise these bills will likely go up come January WHAT'S EXPIRING Since March, 40 million Americans have enjoyed suspended student loan payments. That is scheduled to end come January 1st. While President-elect Joe Biden is considering an executive order to continue the program, he doesn't take office until January 20 and bills could be due before then. Additionally, unemployment benefits for independent contractors and the self-employeed, like Uber drivers or gig workers, are set to expire as well. Congress for months has also allowed those recently laid off to enjoy 13 bonus weeks of unemployment, but that program expires December 31 as well. Many states have eviction moratoriums but the CDC order banning evictions ends December 31st. Congress could pass legislation to extend it. Tens of millions could face evictions because of rent issues. WHERE THINGS STANDDemocrats and Republicans remain far apart on passing any legislation between now and January 1. COVID related legislation isn't the only concern either. Funding for the government runs out on December 11 and a bill must be passed to keep the government open before then. One major wildcard is President Donald Trump and what he may demand following his election loss. 1724

The Americans have chosen their President. Congratulations @JoeBiden and @KamalaHarris! We have a lot to do to overcome today’s challenges. Let's work together!— Emmanuel Macron (@EmmanuelMacron) November 7, 2020 220

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