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Thank you to Chad Oberholtzer and his kids Brooke and Drew for finding my wallet. Brooke and Drew told their dad to set the timer for 30 mins to see if they could "survive the wilderness " while playing in the neighborhood woods ???? they found my wallet i lost 12-15 years ago.. pic.twitter.com/TKtNw6SMaj— Richard K. Jones (@butlersheriff) January 7, 2020 370

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 Federal Communications Commission unveiled a proposal Wednesday to limit the scourge of unwanted robocalls, a measure that would give phone companies wide latitude to block those calls by default.The plan, if approved, could go into effect later this year and allow carriers to apply robocall-blocking technologies to customer accounts automatically.Americans received more than 26 billion robocalls last year — a 46% increase over the year before, according to a study by the Seattle-based spam monitoring service Hiya.Companies have been working on a variety of techniques to thwart spam callers, but many have been reluctant to release them widely over fears that the technology could be considered illegal by regulators, said FCC Chairman Ajit Pai, who added his proposal aims to put those fears to rest."Allowing call blocking by default could be a big benefit for consumers who are sick and tired of robocalls," Pai said in a statement. "By making it clear that such call blocking is allowed, the FCC will give voice service providers the legal certainty they need to block unwanted calls from the outset so that consumers never have to get them."Carriers have also been developing standards aimed at verifying the owner of a particular phone number, in order to cut down on robocalls in which scammers hide behind legitimate phone numbers. The FCC proposal would ask for public input on how those standards should work.Last month, T-Mobile and Comcast's Xfinity said they would start verifying calls between their networks, using a tool that will alert customers if an incoming call wasn't placed by an actual human.Most major telecom companies have also had a hand in developing and testing anti-robocall technology called STIR/SHAKEN. The technology's goal is to tamp down on bad actors who use a technique called "spoofing," which allows them to skirt Caller ID and make it look like they're calling from another number — even phone numbers that are identical or look similar to your own.Spoofing has made it difficult for authorities to sort out which robocalls are illegal and which robocalls are spoofed for a legitimate reason, in cases like a call from a pharmacist or local school district. 2223

The Dow staged a late day comeback on Thursday, ending 260 points higher to close another volatile day on Wall Street.The Nasdaq closed narrowly higher, up 0.4% and the S&P 500 was up 0.8%.Thursday's action came a day after the 244

The body of a missing Texas police chief who fell overboard while on a fishing boat was recovered Sunday morning, the US Coast Guard said.Kemah Police Chief Chris Reed was on the boat with his wife in Galveston Bay on Friday afternoon when it was hit by a wake of a passing vessel.His body was found about 8 a.m. a mile and a half north of the Texas City Dike in Texas City, the Coast Guard said.Reed's wife remained on the boat and was not injured. He was not wearing a life jacket at the time, Coast Guard Lt. Cmdr. Caren Damon told reporters.Kemah is on Galveston Bay about 40 miles from Houston.Coast Guard crews searched more than 650 square miles over some 40 hours.About 40 vessels, including 15 from the Coast Guard, searched, the Coast Guard said. An aircrew and a team of drones -- along with 12 state, local and federal agencies -- were involved, said Tom Munoz, emergency management coordinator for Texas City."Number one, he's just a great cop, just to start off with. He's been in this county a long time, working for several different agencies," said Texas City Police Chief Joe Stanton before the body was located. "We're a tight-knit group. He's one of ours. And, we're out there and we're gonna find him."In addition to his career as a police officer, Reed was a retired Army paratrooper and was on the Clear Creek Independent School District board, according to CNN affiliate 1407