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After eight months of steady gains, stock market volatility has again rocked investors this week, with a global sell-off triggered by the prospect of slower global economic growth and rising bond yields. The S&P 500 fell nearly 7% in six days, bringing the index down to levels last seen in July.When stock markets tremble, the advice from financial advisors is simple: Stick to your investment plan.That’s easier said than done. If your financial house is on fire, you want to fight the flames or flee as surely as if your actual home were ablaze, behavioral finance experts say. To stand back, watch and periodically throw more money on the bonfire is tough even for the most seasoned investor, let alone your average 401(k) holder.“You’d think that a high-net-worth individual is more sophisticated, that they are not going to panic like an investor with ,000 at stake? Not true,” says David Thomas Jr., founder and chief executive officer of Equitas Capital Advisors in New Orleans.Still, Thomas says, “You can be smarter than your emotions, but that’s an acquired skill.”Here are some ways to sidestep the natural emotional triggers that can be costly during the next market correction or crash. 1220

Actress Tilda Swinton holds a carnival mask as she poses for photographers upon arrival at the opening ceremony of the 77th edition of the Venice Film Festival in Venice, Italy, Wednesday, Sept. 2, 2020. (Photo by Joel C Ryan/Invision/AP) 246

After years of struggling, one Kansas mother finally has peace of mind. She can now walk through the park with her daughters free of fear. However, living without fear doesn’t mean living without worry.“It feels unsafe to be who you are sometimes,” said J, a mother of two living in Lawrence, Kansas. The mother wishes to be called J in order to protect her identity, because even in a community where legally she should be safe, J is still concerned.“We know what it's like to be living in fear…to have that uncertainty,” said J, referring to her years growing up undocumented in the United States. Now, even though she is a citizen, she worries the current administration will find ways to strip her of her rights.Growing up undocumented taught J about a different side of the American dream. It meant asking neighbors to use their name for utilities and not accessing community resources.“Calling the police on someone…definitely we stopped ourselves because we don't want those questions,” said J.She saw the same fear in her own daughter’s eyes as her family worked for over four years for her husband to become documented.“Our daughter has asked what would happen to her dad if he was pulled over. Would he be taken away? It’s just a constant fear of are your parents going to come home that day?”Now that her family is documented, J wants to use her voice to help others in her community stop feeling that same worry. It’s a feeling she’s still confronting herself, especially after Immigration and Customs Enforcement raids last year ended in the wrong man getting arrested and federally detained in her own community, a typically quiet college town.“You can't even walk without looking the way that we look and someone saying, ‘I bet that person is undocumented, and they're probably a criminal, so let's get them,’” said J.So, she joined a group called Sanctuary Alliance, a grass-roots movement fighting to designate the city of Lawrence as a sanctuary city.It took a year of meetings and discussions, but just weeks ago, the city commission voted.The sanctuary ordinance was approved.So, what does it mean to be a sanctuary city? The Lawrence, Kansas ordinance says: no city department can ask about immigration status, including the police and the court system; Anytime an ID is required, a resident can present identification valid in their home country; all city services, including transit, parks and utilities are available to all residents, regardless of immigration status; and if anyone asks about their status, there are ways people can safely report violations to the city.“It’s a big step toward creating safety for the community,” said J. “People think that becoming a sanctuary city will bring criminals in because obviously undocumented people are criminals. They're not. Statistically, a sanctuary city will become safer because the citizens who are undocumented will now not be afraid to call the police."Safety in this community is just the start of the conversation. Sanctuary Alliance is now pushing for a county-wide sanctuary to help more families live life outside the shadows.But while that fight continues, J takes comfort in hey city’s ordinance bringing a new era of unity this community has never seen before.“There's still some work that needs to be done, but it will make it better,” said J. 3340

According to analysis by Lending Tree, Black borrowers are more than twice as likely to be denied credit than white Americans.According to the data, 57% of loan applications by Blacks making ,000 to 0,000 were rejected or approved for amounts lower than request, compared to just 22% for whites. Blacks making 0,000 or more annually had 31% of their applications rejected or approved for lower amounts than requested, compared to just 10% for whites.The analysis also found that Black Americans with college degrees experienced more debt. The study found that Black bachelor’s degree recipients had 20% more student loan debt than whites with bachelor’s degrees."It's encouraging that Americans are having these conversations more openly and with more vigor and purpose,” Tendayi Kapfidze, chief economist at LendingTree, said. “Highlighting these racial disparities shows that systemic issues have held back generations of our fellow citizens. It is ultimately to the detriment of everyone as the economy is deprived of our best efforts by denying opportunities to many capable people. The creation of these disparities was and is often government-sanctioned and enforced, and so they should be addressed via legislative remedies in addition to societal change."Compounding the challenges for Blacks to obtain lending, the data showed that the median net worth of Black families is one-tenth of those of white families.Lending Tree said it used 2018 Bureau of Labor Statistics data, 2020 Economic Policy Institute report, various Federal Reserve data, 2020 Federal Reserve Bank of St. Louis data, 2017 National Center for Education Statistics report, 2020 Pew Research Center report and U.S. Census Bureau to conduct its analysis.To read the full study, click here. 1783

After being sworn into office Wednesday, Senator Mark Kelly of Arizona talked with Scripps' National Political Editor, Joe St. George, in Washington. Kelly was elected in November but sworn in early because he is technically filling the seat of the late Senator John McCain. Kelly ran on changing Washington. "You think you can change this place?" St. George asked Kelly. "It can be changed. Often change takes time, but change can be a good thing for our country," Kelly said. Regarding COVID-19, Kelly said he spoke with Senator Joe Manchin, D-WV, regarding a bipartisan proposal to provide more economic relief to Americans. "I am going to look at the details," Kelly said, not commenting yet on whether he supports it. Kelly will be up for reelection in 2022. "Would you like to be here a lot longer than that?" St. George asked. "Well I just got started," Kelly said. "Will you run again though?" St. George asked. "The important thing is we address the important issues Arizonans are facing," Kelly said. As for what committees Kelly will be on, Kelly has yet to be assigned. "Military and stuff that is technical makes sense for me but we are working through the process," Kelly said. 1200