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Teachers across the U.S. have had to educate in completely new and challenging ways this year, with some teaching in-person and others instructing from home.“Right now, they are being asked to do the unimaginable and the impossible,” said shea martin, a former educator. “Whether that is teaching in-person during the pandemic or trying to navigate teaching at home with limited resources.”martin left teaching before the pandemic because of the demands and pressures placed on teachers even then. martin simply couldn’t imagine teaching now, with the additional load teachers are being asked to carry. Recently, though, martin created The Anonymous Teachers Speak Project, a blog allowing current educators an online platform to freely speak about what they are going through.“A lot of teachers work in districts and working spaces where they are under contract and cannot share or publicly talk about what is happening with them,” said martin. “That’s an extra burden they have to carry.”With anonymity, roughly 1,000 teachers have posted and participated in the project.“I think that I have read and seen some of the most heartbreaking stuff I have ever seen in my life,” added martin.Many teachers from around the country have posted to the project, writing about safety concerns while teaching, being overworked and over-worried about their students. Some even write about coming to terms with leaving the profession.“Teachers are crying out for help and the profession, and the district, and the schools, and the structures, are ignoring them,” said martin. “I hope it doesn’t happen, but I think we are going to lose a whole generation of teachers.”According to a report recently released by Horace Mann, a company focused on investing and insurance for educators, 27 percent of teachers surveyed--or more than 1 in 4 teachers--are currently considering quitting.“The fact that a quarter of teachers are considering leaving and the fact that there is already a shortage of teachers in the profession, just really make that even more so magnified,” said Tyson Sanders, who is with Mann. “Three out of four teachers are not living comfortably, so if there is an opportunity to be involved in the profession they are so passionate about and continue to help students, I think it is something they will certainly explore.”That seems to be exactly what is happening, especially with teachers overwhelmed in the public-school space. More and more educators are starting to turn to online teaching opportunities with private companies. They’re given more flexible schedules and the pay is often better.“It’s sad because I wish that our government and our system could figure out a way to adequately compensate and appreciate and take care of our students and teachers the way that they should be,” said martinHowever, 1 in 4 teachers haven’t left yet, so maybe there is still a way to prevent such a loss of educators.Editor's note: This story has been updated to reflect how shea martin spells their name, in lowercase letters. 3037

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

STOCK MARKET UP BIG, VACCINE COMING SOON. REPORT 90% EFFECTIVE. SUCH GREAT NEWS!— Donald J. Trump (@realDonaldTrump) November 9, 2020 141

The Better Business Bureau is warning that the quizzes you take online — especially on Facebook — can be used by hackers to get your information.The bureau says while the quizzes may seem silly and useless -- but hackers can use that information to get into your social media accounts.Some quizzes are outright scams designed to get your information. They will contain links embedded in the quiz that can cause a security breach of your personal accounts. The bureau recommends the following tips to avoid social media scams: 553

The BeyGOOD small business fund application submittal closes this Saturday. Go to https://t.co/TlsgbUl6D2 for all details. pic.twitter.com/I3l0Ljwfsz— BeyGOOD (@BeyGood) July 17, 2020 191

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