阜阳市那家医院治疗皮肤病效果佳(阜阳扁平尤较好的医院) (今日更新中)

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 number of people worldwide who die from suicide is declining but one person still kills themselves every 40 seconds, according to new figures from the World Health Organization, which said countries needed to do more to stop these preventable deaths.Between 2010 and 2016, the global suicide rate decreased by 9.8%, the UN health body said in its second report on the issue. The only region to see an increase was the Americas."Every death is a tragedy for family, friends and colleagues. Yet suicides are preventable. We call on all countries to incorporate proven suicide prevention strategies into national health and education programs in a sustainable way," said WHO Director-General, Dr. Tedros Adhanom Ghebreyesus.WHO said close to 800,000 people die by suicide every year, more than those lost to malaria, breast cancer, or war and homicide, calling it a "serious global public health issue." It said only 38 countries had suicide prevention strategies.Suicide rates were higher than the global, age-standardized average -- 10.5 per 100,000 people -- in Africa, Europe and Southeast Asia.Worldwide, more men killed themselves than women, WHO said, with 7.5 suicide deaths per 100,000 women and 13.7 suicides per 100,000 men. The only countries where the suicide rate was estimated to be higher in women than men were Bangladesh, China, Lesotho, Morocco, and Myanmar."While 79% of the world's suicides occurred in low- and middle-income countries, high-income countries had the highest rate, at 11.5 per 100,000" people, WHO said."Nearly three times as many men as women die by suicide in high-income countries, in contrast to low- and middle-income countries, where the rate is more equal," the WHO statement said."Suicide was the second-leading cause of death among young people aged 15-29 years, after road injury. Among teens aged 15-19 years, suicide was the second-leading cause of death among girls (after maternal conditions) and the third-leading cause of death in boys, after road injury and interpersonal violence."WHO said one way to bring down the global suicide rate would be to limit access to pesticides, which -- along with hanging and firearms -- are the most common method of suicide. For example, in Sri Lanka, a series of bans on highly hazardous pesticides led to a 70% decrease in suicides, saving an estimated 93,000 lives from 1995 and 2015. Similarly, in South Korea, a ban on the herbicide paraquat was followed by a 50% decrease in suicide deaths from pesticide poisoning from 2011-2013.Other steps the WHO said have helped reduce suicides include educating the media on how to report responsibly on suicide, identifying people at risk early and helping young people build skills that help them cope with life stresses.World suicide prevention day is September 10. 2815

The Cherokee Nation has named an official representative to Congress for the first time.Kimberly Teehee, executive director of government relations for the Cherokee Nation, was approved by the Council of the Cherokee Nation as a delegate to the US House of Representatives on Thursday, fulfilling a promise made to the tribe in a nearly 200-year-old treaty with the federal government.A former senior policy adviser for Native American Affairs during President Barack Obama's administration, she was nominated by Chuck Hoskin Jr., chief principal of the Cherokee Nation. She is also a former senior adviser to the US House Native American Caucus Co-Chair former Rep. Dale Kildee and has held various positions within the Cherokee Nation.The treaty doesn't specify if Teehee would be a voting member of the legislature, and her appointment requires congressional approval. But Hoskin said her role may be similar to those who represent Washington, DC, and five US territories -- Puerto Rico, American Samoa, Guam, the US Virgin Islands and the Northern Mariana islands -- who can't vote on the House floor but can introduce legislation, vote in their respective committees and debate on the floor.Teehee said in a statement to CNN on Tuesday she is "humbled" to be nominated for an "extraordinary responsibility" and is grateful for an opportunity to serve the Cherokee Nation."This journey is just beginning and we have a long way to go to see this through to fruition," she said. "However, a Cherokee Nation delegate to Congress is a negotiated right that our ancestors advocated for, and today, our tribal nation is stronger than ever and ready to defend all our constitutional and treaty rights. It's just as important in 2019 as it was in our three treaties."Teehee's historic nomination stems from a 1835 Treaty of New Echota in which the Cherokee were forced to leave their homes in the Southeast and go to present-day Oklahoma in exchange for money and other compensation. Nearly 4,000 citizens of the tribe died from disease, starvation and exhaustion on the journey known today as the Trail of Tears. As a way to compensate the tribe, the US government promised them a delegate in the House of Representatives.Hoskin Jr. said Teehee is "extremely qualified" for the position and, through her nomination, the Cherokee Nation is "exercising our treaty rights and strengthening our sovereignty.""We know this is just the beginning and there is much work ahead, but we are being thorough in terms of implementation and ask our leaders in Washington to work with us through this process and on legislation that provides the Cherokee Nation with the delegate to which we are lawfully entitled," he said in a statement to CNN on Tuesday.Victoria Vazquez, deputy speaker of the council, said Teehee's political experience made her confirmation as delegate an "easy decision.""Ms. Teehee has a wealth of experience working in Washington, DC with representatives from both sides of the aisle. She also has a storied career of advocating and working on issues for both the Cherokee Nation and Indian Country in general," Vazquez said. "These two attributes make her appointment as the first-ever delegate an easy decision and I am happy to support her nomination and Chief Hoskin's efforts to exercise our treaty rights." 3331

The American Civil Liberties Union asked a federal judge to block the Trump administration from separating children from their parents, claiming that more than 900 children, "including numerous babies and toddlers," have been separated since late June 2018.A federal court had ordered family separations to end at that time, except in cases where a parent is unfit or presents a danger to the child. But the 420

The Hillsborough County Sheriff's Office is investigating a deadly shooting early Monday morning at the Islamic Society of Tampa Bay.Deputies say just before midnight, two men got into an argument in the parking lot outside the mosque during a Ramadan event attended by several hundred people.At some point during the argument, one of the men fired at the other.An off-duty deputy, who had just finished working security detail at the event, heard the gun shots and rushed to the parking lot.The Sheriff's Office reports the deputy found one man holding a gun and another man who had been shot at least two times. The deputy detained the suspect shooter until additional units arrived on scene.Paramedics rushed the victim to Tampa General Hospital where doctors pronounced him dead.Authorities say the public is not in danger. They believe the two men knew one other and were both attending prayer services at the mosque.Homicide detectives are interviewing the shooter who is cooperating. They want to determine the nature of the argument and whether the shooting could be classified as self defense.No charges have been filed.The Sheriff's Office says there is no indication the shooting is in any way related to a terror attack and only appears to be a dispute between the two people involved. 1309

来源：资阳报