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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

TALLADEGA, Ala. (AP) — NASCAR says a noose was found in the garage stall of Bubba Wallace on Sunday at the NASCAR race in Talladega, Alabama.Wallace is the only full-time Black driver in NASCAR's elite Cup Series. Two weeks ago, he successfully pushed for NASCAR to ban the Confederate flag at its tracks and properties. Wallace also drove a car with "Black Lives Matter" decals at a race earlier this month.NASCAR said it has launched an immediate investigation into the noose. The series says it was “outraged” and said there is no place for racism in NASCAR. 569

Target is recalling Room Essentials 4-drawer dressers due to tip-over and entrapment hazards.According to Target, the recalled dressers are unstable if they are not anchored to the wall, posing serious tip-over and entrapment hazards that can result in death or injuries to children. Target has received 12 reports of dressers tipping or collapsing. The recalled dressers have been sold in three colors and measure 41 7/8 inches tall by 31 ? inches wide by 15 11/16 inches deep. Model number 249-05-0103 (black), 249-05-0106 (espresso), or 249-05-0109 (maple) is printed on the product’s packaging.The dressers were sold at Target stores nationwide and online at Target.com from January 2013 through April 2016 for about 8.Consumers are being asked to immediately stop using the recalled dressers and return them to any Target store for a full refund.For more information, you can call Target at 800-440-0680 or go to www.Target.com and click on “Recalls” at the bottom of the page, then “Furniture” for more information, or the “Product Recalls” tab on www.Facebook.com/Target. 1124

SYLMAR, LOS ANGELES (KGTV) -- Crews are battling a rapidly-spreading brush fire in northern Los Angeles County late Thursday night amid a statewide Red Flag Warnings.News station ABC7 is reporting that the 15-acre blaze, named Saddleridge Fire, is burning near homes and power lines.The fire erupted around 10 p.m. near the westbound 210 Freeway near Yarnell Street, according to the Los Angeles Fire Department.Flames stopped traffic along the 210 when the fire jumped from the westbound side to the eastbound side. Motorists are advised to avoid the area.Firefighters are facing strong Santa Ana winds which fueled several fires up and down California on Thursday.The Los Angeles Fire Department announced evacuations in the city of Sylmar."There are currently evacuations underway being directed by firefighters in the neighborhood affected," fire officials said.DEVELOPING: This story will be updated as more information becomes available.Firefighters battling multi-acre fire in #Sylmar. Multiple structures are threatened and evacuations underway near Saddle Ridge Road. https://t.co/HEXBHBXFIg— ABC7 Eyewitness News (@ABC7) October 11, 2019 1156

Tell us what you want, what you really, really want, Prince Harry and Meghan Markle.Spice Girls member Mel B appeared on the daytime talk show "The Real" Tuesday and sparked speculation that the group would be performing at the upcoming royal wedding in May.The hubbub began when co-host Loni Love asked Mel B if she knew anyone who would be attending."I'm going," Mel B said quietly.The audience cheered as the co-hosts of the show exclaimed at the news.Things got really hectic when Love asked if the Spice Girls would be performing."I swear I'm just like..." Mel B started, before Love jumped in and said, "Yes, they are performing! Yes!""I need to go," Mel B said after throwing into the air the papers she was holding. "You're going to get me fired! I'm going to be fired!"She then tried to backtrack."Let's not talk about it anymore," Scary Spice said. "Let's pretend that I never said that."Fans were already buzzing about the possibility of a Spice Girls reunion after a group photo was published of the members having lunch together at Geri Halliwell Horner's house recently.Mel B told the women of "The Real" it was the first time in years that all five members had been together.She said their former manager, Simon Fuller, also joined them.The picture wasn't even supposed to go public, Mel B said."First of all, none of us were meant to post that picture," she said. "We all just took pictures, you know like, candidly. So when I saw Victoria post the picture, I was like, 'Noooo!' I didn't get the lighting right, my makeup wasn't on."  1563

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