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The federal government’s Real ID Act goes fully into effect next fall which will change the acceptable form of ID required to pass through airport security, regardless of your flight’s destination.Passed by Congress in 2005, the Real ID Act requires every air traveler 18 years or older to have an ID marked with a star located in the upper portion of the card.The Real ID Act enacted the 9/11 Commission’s recommendation that establishes specific federal requirements for state-issued driver license and identification cards.American passengers who do not have a Real ID-compliant license will need to show 620

The Mid-American Conference Basketball Tournament in Cleveland will not be open to the general public due to concerns about the coronavirus. Officials said the tournament will continue as scheduled from Wednesday through Saturday. However, only credentialed institutional personnel, student-athlete family members, credentialed media crews, and official team party members will be allowed to attend games. “The safety of all is our greatest concern. Since January, I have stated that any decision would follow the advice of state governmental officials and medical professionals. Following the feedback we received today we have taken this action which is in alignment with the recommendation of Governor DeWine,” said Mid-American Conference Commissioner, Dr. Jon Steinbrecher.The University of Akron has decided to cancel their pre-game rally at Pizza 216. “We fully support the health concerns and recommendations outline by Ohio Governor Mike DeWine today,” Zips’ Director of Athletics Larry Williams said. “At the same time, it is hard to describe how disappointed we are that all of our wonderful alumni, supporters and fans are not going to be able to attend this special event in person. And, it is so very disappointing the student athletes will not be able to enjoy the passion reflected by the raucous crowds that always come out to support their Zips. Fortunately, there will be great television coverage for each game.”All tickets will be refunded in the form of a ticket to next year's tournament or a full refund. Fans can call their respective athletic departments or Rocket Mortgage Fieldhouse at 216-420-2200. 1640

The entire US auto industry would shutdown within a week if President Donald Trump goes through with his pledge to close the US-Mexican border, according to a leading expert on the industry.That's because every automaker operating an auto plant in the United States depends on parts imported from Mexico, said Kristin Dziczek, the vice president of industry, labor and economics at the Center for Automotive Research.About 37% of all auto parts imported to the United States originate in Mexico. Virtually all car models in America have Mexican parts, she said. Because of that reliance, she said the auto industry would stop producing vehicles relatively quickly."You can't sell cars with missing pieces," she said. "You've got to have them all. I see the whole industry shutdown within a week of a border closing."President Trump is threatening to 862

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 Reserve on Wednesday cut interest rates for the second time since July as concerns grow about a potential global slowdown.Officials also left the door open for 184