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The average student in debt has about ,000 to pay. It’s a more-than trillion problem for the U.S.Congress could step in: There is a bill with bipartisan support that gives businesses a tax break if they help employees pay student loans. Some companies are awaiting the legislation’s passage to begin college debt repayment benefit programs.Others have been chipping away at employee loans for years.Investment company Fidelity has a student loan assistance benefit that launched in 2019. It pays, on average, about 7 per month toward an employee’s loans, up to ,000.Fidelity is one of several major corporations helping employees pay down their student loan debt. They say it helps recruit top talent and to reduce turnover.Last year, Fidelity rolled out a dept repayment program for other businesses to use, too. 837

The Food and Drug Administration has granted emergency approval to a new coronavirus test in the hopes speeding up the process of testing patients for the disease, according to The Wall Street Journal and Bloomberg.The FDA gave "emergency use authorization" to tests that run on 291

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 device looks similar to a taser, but acts more like a lasso with more and more police officers are adding it to their belt.“It will, much like a boomerang, wrap around the individuals extremities and prevent the individual from moving,” Los Angeles Police Department Chief Michel Moore said.LAPD is the most recent, and largest, police department to test the product. And their officers have to go through four hours of training to use it.“How could we provide the best tools and best options so officers would not have to resort to force, particularly deadly force,” Moore explained.Dozens of police departments around the U.S. are testing or have purchased the remote restraint device, including Sacramento, California, Fort Worth, Texas, and Minneapolis, Minnesota to name a few.“This tool is meant to be used early on in an encounter without causing pain to an individual,” Wrap Technologies Chief Operating Officer Mike Rothans said. He is a retired assistant sheriff with two children who work in law enforcement. The device works by releasing a cord that wraps around a person 20 to 25 feet away. On the end, there are metal anchors. The cord comes out of the device at 513 feet a second. At 10 feet, it drops to 270 feet a second.The devices costs ,000 a piece and are per use.“All you feel is maybe a metal slap from the anchors around each end of the cord. But it doesn’t really cause any pain,” Rothans said.Not everyone is convinced.What happens when someone’s in shorts or they’re in a skirt? What if they accidentally get someone’s neck?,” Cat Brooks, Co-founder of the Anti-Police Terror Project, explained. APTP is a coalition that works toward ending police terror.“We need to be transforming the way law enforcement engages with our community, not what weapons they have to be able to do so,” Brooks said.Rothans explained that one scenario the BolaWrap can be used in, is in the case of confronting someone dealing with a mental health problem.“Basically the issue with the mentally ill or dealing with people in crisis, isn’t unique to one particular area in the U.S.. It’s the same issue we see in small towns in Minnesota, or big cities like New York or Los Angeles,” he said. “Police officers have really become the de facto social services”People with severe mental illness are involved in at least one in four fatal police shootings, according to a study done by the Treatment Advocacy Center.“There’s really no reason to send a badge and a gun into that situation when you can send a mental health professional,” Brooks said.For officers, Rothans says this is a safer option that buys the responder some time.“This restricts their mobility and slows that individual down to allow officers to put a plan into place,” he explained.“There’s no perfect scenario or perfect formula,” Moore said during his press conference announcing the use of the device. 2899

The attorney representing Steven Avery, the man who was found guilty of killing Teresa Halbach in 2005, has announced a substantial reward for the discovery of Halbach's "real killer," according to a press release. 227

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