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The Jeep Wrangler is one of the most popular SUVs in the country — and the world.But lately, a growing number of owners have been raising questions about the frames under those vehicles. And they don't know if a recent recall of some models is enough to fix the issues.Benjamin Rutter's 2019 Jeep Wrangler is spotless. But when this Jeep enthusiast was recently cleaning the underside after a drive, he was puzzled."These welds are nowhere near what I expected," he said.Rutter knows a bit about welding and saw what looked to him like breaks in what should have been a solid weld."You've got an inch or so of completely missed bead on this part of the rear frame," he said.He is concerned about what could happen down the road."My biggest fear is if I went off-roading," he said, "and did a full flex on the wheels, that frame rail could completely pop." 867

The ACLU (American Civil Liberties Union) of Tennessee filed a lawsuit against Smith County Schools on behalf of two families who say the school system regularly incorporates prayer into school events and proselytizes students.The plaintiffs are listed as Kelly Butler and Jason and Sharona Carr. “When I was in the military, I took an oath to support and defend the Constitution, which includes religious freedom,” said Butler, a U.S. Army veteran and father to several children who attend Smith County schools. “It’s wrong for the public schools to make my family feel like second-class citizens because of our beliefs.”Butler and his children are atheists, as are the Carrs and their children.The families' accounts span several school years and include things like school-directed prayer during mandatory assemblies, the distribution and display of Bibles during classes, Bible verses posted in hallways and shared in notes from school staff to students, prayers broadcast through loudspeakers at school sporting events, coaches leading or participating in prayer with student athletes, and a large cross painted on the wall of a school athletic facility.“At school everybody makes it seem like you have to believe in one thing, just like them. It’s very awkward and uncomfortable,” said Leyna Carr, a student at Smith County High School. “I respect other people’s religion, and I would like it if everyone else would respect my beliefs.”“When public schools promote religion, it sends an impermissible message that students who don’t share the favored religious beliefs don’t belong,” said Heather L. Weaver, senior staff attorney with the ACLU’s Program on Freedom of Religion and Belief. “Our clients are part of the school community, and school officials have no right to alienate them in this way.”“Public schools are supposed to be places where all students are welcomed and given access to quality education, regardless of their religious beliefs,” said Hedy Weinberg, ACLU-TN executive director. “The religious freedom of Tennessee families can only be protected if the government is not promoting or sponsoring religious activities. Decisions about whether and how to practice religion are best left to families and faith communities, not public schools.”The full suit can be 2301

The holiday season is in full swing, which means everyone is flocking to stores to buy gifts for family and friends. But a safety group is warning consumers about 10 toys that could potentially be hazards for little ones.The safety organization World Against Toys Causing harm, Inc., or W.A.T.C.H., released its 324

The coronavirus has had an impact on factories and shipments moving goods from China to the United States. Due to the coronavirus, some have expressed concern over whether the imports of wedding gowns and bridesmaid dresses could be disrupted. The American Bridal and Prom Industry Association told CNN that nearly 80% of the western-style wedding dresses produced worldwide are made in China. This has caused some consumers to put in their orders early, adding pressure to the supply chain. "They are loading up because everyone is really worried about a shortage in the summer," Stephen Lang, owner of Mon Cheri Bridals, told 640

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