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With the advancement of technology, it’s rare to pay for things using cash. We use our cards, phones and the internet to pay for what we need. Now, more churches are turning to digital donations to collect their tithes and offerings.St. Andrew United Methodist Church in Denver, Colorado is one church already going digital.Judy Cox, a churchgoer and volunteer at St. Andrew, doesn’t wait until Sunday to give her donations to the church.“It's like all the rest of my bills; I pay them electronically,” explains Cox. “Then that's one huge chore I don't have to think of each month.”Andy Dunning, an executive pastor at St. Andrew, says more than 40 percent of the congregation is giving their offerings regularly online. 728

Worldwide markets plummeted again Thursday, deepening a weeklong rout triggered by growing anxiety that the coronavirus will wreak havoc on the global economy. The sweeping selloff pushed the Dow Jones Industrial Average down nearly 1,200, its biggest one-day drop ever.The benchmark S&P 500 dropped down4.4% Thursday, its worst one-day drop since 2011.The S&P 500 has now plunged 12% from the all-time high it set just a week ago. That puts the index in what market watchers call a "correction," which is decline of at least 10% from a high. The six-day correction is the fastest in history.Stocks are now headed for their worst week since October 2008, during the global financial crisis.The losses extended a slide that has wiped out the solid gains major indexes posted early this year. Investors came into 2020 feeling confident that the Federal Reserve would keep interest rates at low levels and the U.S.-China trade war posed less of a threat to company profits after the two sides reached a preliminary agreement in January. Even in the early days of the outbreak, markets took things in stride.But over the past two weeks, a growing list of major companies issued warnings that profits could suffer as factory shutdowns across China disrupt supply chains and consumers there refrain from shopping. Travel to and from China is severely restricted, and shares of airlines, hotels and cruise operators have been punished in stock markets. As the virus spread beyond China, markets feared the economic issues in China could escalate globally.One sign of that is the big decline in oil prices, which slumped on expectations that demand will tail off sharply."This is a market that's being driven completely by fear," said Elaine Stokes, portfolio manager at Loomis Sayles, with market movements following the classic characteristics of a fear trade: Stocks are down. Commodities are down, and bonds are up.The Dow dropped 1,190.95 points, its largest one-day point drop in history, bringing its loss for the week to 3,225.77 points, or 11.1%. To put that in perspective, the Dow's 508-point loss on Oct. 19, 1987, was equal to 22.6%. Bond prices soared again Thursday as investors fled to safe investments. The yield on the benchmark 10-year Treasury note fell as low as 1.246%, a record low, according to TradeWeb. When yields fall, it's a sign that investors are feeling less confident about the strength of the economy.Stokes said the swoon reminded her of the market's reaction following the Sept. 11, 2001 terrorist attacks."Eventually we're going to get to a place where this fear, it's something that we get used to living with, the same way we got used to living with the threat of living with terrorism," she said. "But right now, people don't know how or when we're going to get there, and what people do in that situation is to retrench."The virus has now infected more than 82,000 people globally and is worrying governments with its rapid spread beyond the epicenter of China.Japan will close schools nationwide to help control the spread of the new virus. Saudi Arabia banned foreign pilgrims from entering the kingdom to visit Islam's holiest sites. Italy has become the center of the outbreak in Europe, with the spread threatening the financial and industrial centers of that nation.At their heart, stock prices rise and fall with the profits that companies make. And Wall Street's expectations for profit growth are sliding away. Apple and Microsoft, two of the world's biggest companies, have already said their sales this quarter will feel the economic effects of the virus.Goldman Sachs on Thursday said earnings for companies in the S&P 500 index might not grow at all this year, after predicting earlier that they would grow 5.5%. Strategist David Kostin also cut his growth forecast for earnings next year.Besides a sharply weaker Chinese economy in the first quarter of this year, he sees lower demand for U.S. exporters, disruptions to supply chains and general uncertainty eating away at earnings growth.Such cuts are even more impactful now because stocks are already trading at high levels relative to their earnings, raising the risk. Before the virus worries exploded, investors had been pushing stocks higher on expectations that strong profit growth was set to resume for companies after declining for most of 2019. The S&P 500 recently traded at its most expensive level, relative to its expected earnings per share, since the dot-com bubble was deflating in 2002, according to FactSet. If profit growth doesn't ramp up this year, that makes a highly priced stock market even more vulnerable.Goldman Sach's Kostin predicted the S&P 500 could fall to 2,900 in the near term, which would be a nearly 7% drop from Wednesday's close, before rebounding to 3,400 by the end of the year.Traders are growing increasingly certain that the Federal Reserve will be forced to cut interest rates to protect the economy, and soon. They are pricing in a 96% probability of a cut at the Fed's next meeting in March. Just a day before, they were calling for only a 33% chance, according to CME Group.The market's sharp drop this week partly reflects increasing fears among many economists that the U.S. and global economies could take a bigger hit from the coronavirus than they previously thought.Earlier assumptions that the impact would largely be contained in China and would temporarily disrupt manufacturing supply chains have been overtaken by concerns that as the virus spreads, more people in numerous countries will stay home, either voluntarily or under quarantine. Vacations could be canceled, restaurant meals skipped, and fewer shopping trips taken. "A global recession is likely if COVID-19 becomes a pandemic, and the odds of that are uncomfortably high and rising with infections surging in Italy and Korea," said Mark Zandi, chief economist at Moody's Analytics. The market rout will also likely weaken Americans' confidence in the economy, analysts say, even among those who don't own shares. Such volatility can worry people about their own companies and job security. In addition, Americans that do own stocks feel less wealthy. Both of those trends can combine to discourage consumer spending and slow growth.MARKET ROUNDUP:The S&P 500 fell 137.63 points, or 4.4%, to 2,978.76. The Dow fell 1,190.95 points, or 4.4%, to 25,766.64. The Nasdaq dropped 414.29 points, or 4.6%, to 8,566.48. The Russell 2000 index of smaller company stocks lost 54.89 points, or 3.5%, to 1,497.87.In commodities trading Thursday, benchmark crude oil fell .64 to settle at .09 a barrel. Brent crude oil, the international standard, dropped .25 to close at .18 a barrel. Wholesale gasoline fell 4 cents to .41 per gallon. Heating oil declined 1 cent to .49 per gallon. Natural gas fell 7 cents to .75 per 1,000 cubic feet.Gold fell 40 cents to ,640.00 per ounce, silver fell 18 cents to .66 per ounce and copper fell 1 cent to .57 per pound.The dollar fell to 109.95 Japanese yen from 110.22 yen on Wednesday. The euro strengthened to .0987 from .0897. 7132

You might just need to walk into a Walmart to experience a Christmas miracle.In recent weeks, anonymous good Samaritans have paid off all layaway items in four Walmart stores in different parts of the country -- a total of more than 0,000.Julie Gates got an unusual surprise in early November when she walked into a Walmart in Derby, Vermont. A man waiting at the register offered to pay for everything she had bought and had on layaway --?and did the same thing for most customers in the store.This mystery man, who called himself "Santa," was apparently the first in a string of similar random acts of kindness in Walmarts across the United States. Since then, Walmart customers at stores in New York, Colorado and Pennsylvania discovered that their bills were taken care of and their layaway items had been paid for.All the mysterious Santas have chosen to remain anonymous -- and each has been generous in their acts of kindness.A Walmart spokesman confirmed to CNN that an anonymous donor paid for ,000 in layaway items at a Uniondale, New York, store while another spent ,000 in a Longmont, Colorado, store and a third shelled out ,000 at a Walmart in Kennett Square, Pennsylvania. Secret Santas have visited Walmart in seasons past, too. In 2016, a Santa paid for almost ,000 in layaway items at a store in Everett, Pennsylvania."When customers quietly pay off others' layaway items, we're reminded how good people can be," Walmart spokesman Payton McCormick said. "We're honored to be a small part of these random acts of kindness."McCormick said he doesn't know what's behind all the generosity but suspects it has something to do with the holidays.The store in Uniondale posted a picture of all the receipts from the unknown customer's act of kindness."Thank you again on behalf of the Uniondale community," the store posted on Facebook.Walmart shopper Lisa Mcmillan, who according to her Facebook profile lives in Longmont, says she was "blessed by some Christmas angel.""I had been freaking out about Christmas and not being able to get my kids presents, as I am a single mom of 5 at the moment," she posted on Facebook.On November 29, she said she received an email from Walmart that her layaway account of 0 had been paid for by an anonymous person."I pray to God that whoever did this is reading this right now...You have absolutely no idea what you did for me and how much of a burden you lifted off my shoulders," she said. 2486

— down 9 percent since its peak of 72 percent in 1960, according to the U.S. Census Bureau.Love remains the top reason given for why folks are getting married. That's above things such as the need for companionship, having kids, and financial stability, 255

YOSEMITE NATIONAL PARK, Calif. (AP) — A Romanian tourist has died in a fall near a waterfall in Yosemite National Park in California.Authorities say 21-year-old Lucian Miu was scrambling on wet rocks below Bridalveil Fall on Wednesday when he fell about 20 feet. He died at a hospital.The Fresno Bee says two other people were injured in separate falls in the park this week.One had hiked to a viewing platform below Bridalveil Fall on Monday and then slipped while climbing up a boulder field toward a pool at the base.The other slipped off a boulder at Lower Yosemite Fall and fell into a creek Thursday, becoming trapped underwater between rocks before managing to escape. 683

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