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Texas health officials say new cases of the coronavirus that causes COVID-19 have hit a new peak. According to the Johns Hopkins website, the state recorded 1,010,364 cases early Wednesday with 19,337 deaths since the pandemic began in early March.Texas recorded 10,865 coronavirus cases on Tuesday, setting a new daily record that surpassed by 74 cases an old mark set July 15, state officials said.According to state figures on Tuesday, an estimated 132,146 cases are active, the most since Aug. 17, and 6,170 COVID-19 cases are hospitalized, the most since Aug. 18.The true number of infections is likely higher because many people haven’t been tested, and studies suggest people can be infected and not feel sick.There were 94 new deaths Tuesday, according to the Texas Department of State Health Services.Meanwhile, cases of the coronavirus that causes COVID-19 are surging in the Laredo area as the borderlands remained a COVID-19 hotbed Tuesday, health officials said.Laredo health officials reported 331 new cases Tuesday of the coronavirus, the most since the Aug. 10 peak of 374 cases. That brought the area’s case count for the pandemic since the beginning of March to 16,558. Of those, 934 cases are active, the most in two months, and 73 require hospitalization. One new death was reported Tuesday, bringing the city’s COVID-19 death toll to 367.The surge comes as El Paso, another border city, grapples with a recent tsunami of cases. Another 1,292 cases were reported in El Paso County on Tuesday, bringing its pandemic count to 65,651 with 27,895 cases now active and 1,076 requiring hospitalization. Nine new deaths brought the county’s COVID-19 death toll to 682.The higher counts come amid intensive testing in both places and statewide.For most people, the coronavirus causes mild or moderate symptoms, such as fever and a cough that clear up in two to three weeks. For some, especially older adults and people with existing health problems, it can cause more severe illness, including pneumonia and death. 2034

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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

The 2020 election is set to be unlike any other in history.With the COVID-19 pandemic, election officials expect up to 70% of all ballots to come in through the mail.There have been claims of fraud by President Donald Trump, but experts say the data does not support those claims."Somebody is more likely to be struck by lightning than they are to commit voter fraud,” said Lawrence Nordon, director of the election reform program at the Brennan Center for Justice, a non-partisan public policy group at NYU.Nordon says in the last few federal elections, 25% of all votes were cast through the mail. He says it can not only be more convenient, but an important tool when it comes to verifying results.“Mail ballots are paper ballots. That means we do have an opportunity to audit all of those ballots,” said Nordon. “But I think people should feel very comfortable with the security of the system.”As for security, election officials take extra measures to ensure the integrity of the ballot. Firstly, mail-in voting reduces the risk of foreign interference to nearly zero. Mail-in ballots are printed on a specific type of paper with technical markings that are difficult to duplicate. They also include several local elections like city council, school boards, and ballot initiatives. It means there are thousands of different ballots for our country’s 3,000 counties.Then you consider the actual ballot itself.It comes in a secrecy envelope that is connected to each individual voter who needs to sign it. That signature is verified by judges who are sometimes trained by the FBI to detect inconsistencies.Counties across the country also have system in place that update voter registration, death records, and address changes daily while they go in and cross-reference the data as well to make sure the ballots are going where they are supposed to and people are who they say they are.“[Voter fraud] is not a thing. I think we’ve had one prosecution in 15 years,” said Paul Lopez, clerk and recorder for the city and county of Denver.Lopez says of the nearly 213,841 votes cast by Denver residents in the state primary on June 30, 211,626 were cast through the mail. And this is for a state that had the highest voter turnout of 77% in 2016.“The biggest thing we can do is inform folks and make sure they understand the process, make sure they understand that it’s secure, that it’s safe, that it’s transparent,” said Lopez.This is not to say there are not cases of voter fraud; there are. In July 2019, prosecutors in North Carolina filed charges against a Republican political operative accused of ballot tampering in a congressional election in 2018.Since 1982, the conservative Heritage Foundation says there have been 1,088 proven cases of individual voter fraud.That may sound like a lot, but the Brennan Center for Justice says considering the hundreds of millions of votes cast in that time, it is considered so rare and happens on such a small scale, that it does not warrant the broad-based red flags some people raise. 3041

TAMPA BAY, Fla. — About four million Kia and Hyundai vehicle owners are one step closer to receiving a piece of the nearly 0 million settlement over an engine defect linked to cars and SUVs spontaneously bursting into flames.The settlement deal, first announced last year, would cover reimbursement for past repairs and expenses, free repair or replacement of damaged engines, denied warranty coverage, and loss of vehicle value.ABC Action News I-team Investigator Jackie Callaway first exposed the cause behind these fires in the report “Up in Flames” in 2018.That’s also the year Tisha VanAllen’s 2011 Kia Optima caught fire as she was driving down a Mississippi highway.“The car started stuttering and I pulled over and when I did it was just engulfed in flames,” she said.VanAllen became trapped in the burning car.“I tried my passenger door, my driver's door, it would not budge,” she said.Panicking, she kicked at the door and window before a truck driver pulled over and wrestled the door open.“He kept yanking on the door handle until he finally got it to open up and he just grabbed me and yanked me out,” she said.The loss of her car devastated the finances of the single mother of four. And at one point she faced eviction.“It just put me in a downward spiral,” VanAllen said.Kia and Hyundai, under the settlement terms, will pay VanAllen and millions of other drivers’ repairs, damage, and loss of vehicle value.Kia did not respond to a request for comment but a Hyundai spokesperson wrote in an email that, "this settlement acknowledges our sincere willingness to take care of customers impacted by issues with this engine’s performance....."The class-action lawsuit includes drivers who owned or leased the following vehicles with 2.0-liter or 2.4-liter gasoline direct injection engines:2011-2019 Hyundai Sonata2013-2019 Hyundai Santa Fe Sport2014-2015 and 2018-2019 Hyundai Tucson2011-2019 Kia Optima2012-2019 Kia Sorento2011-2019 Kia SportageA federal court hearing for final approval is set for November 12 and a judge is expected to grant formal approval of the settlement before the end of the year. The automakers are already sending out claim forms to affected drivers who can expect to start receiving checks in 2021.VanAllen said it can’t happen soon enough.“I am glad they are taking the responsibility for it,” she said. “Because it really put me in a really bad hardship.”This story was first reported by Jackie Callaway at WFTS in Tampa Bay, Florida. 2489

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