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Ten candidates are on the stage this time, down from 12 at the debate in October. Julián Castro, a former secretary of Housing and Urban Development, did not meet the party's qualification standards for this debate, and former Congressman Beto O'Rourke of Texas dropped out of the race.This debate arrives at a time of volatility in early-state polling. South Bend, Indiana, Mayor Pete Buttigieg faced increased scrutiny after a Des Moines Register/CNN/Mediacom poll showed him leading in Iowa, the first voting state. Former Vice President Joe Biden's campaign has suggested that he plans to use the debate to attack Sen. Elizabeth Warren of Massachusetts over her position on health care. And Sen. Bernie Sanders of Vermont remains firmly in the top tier of national and state polls.The other candidates participating in the debate are Sen. Cory Booker of New Jersey, Rep. Tulsi Gabbard of Hawaii, Sen. Kamala Harris of California, Sen. Amy Klobuchar of Minnesota, billionaire investor Tom Steyer and businessman Andrew Yang.Sanders on US health care spendingSen. Bernie Sanders said the US has a health care system "in which we spend twice as much as do the people of any other country."Facts First: This is not true. The US spent twice as much per capita on health care last year than the average for Organisation for Economic Co-Operation and Development (OECD) countries, but not twice as much as every single one of the organization's 35 other members.At ,586 per capita in 2018, US spending was well over twice the 1538

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 Justice Department is suing former White House staffer Omarosa Manigault Newman for failing to file a financial disclosure report after she was fired in late 2017.In a civil complaint filed Tuesday in Washington federal court, Justice Department attorneys said that Newman, the former reality star and longtime associate of President Donald Trump, had been told about the form before she left her position, and ignored multiple email requests for it in the weeks after her departure.Newman served as director of communications in the Office of Public Liaison at the White House for about a year before she was forced out by then-chief of staff John Kelly.In the lawsuit, a routine step by the Justice Department enabled by ethics law, Justice Department attorneys ask the court to require Newman to file the report and fine her up to ,000. Newman will still have the option to complete the form and avoid litigation, per Justice Department protocol. 968

The City of New Orleans is asking citizens not to share photos of the exposed remains of a construction worker that died in a building collapse in October.The Hard Rock Hotel in New Orleans' French Quarter, which was under construction at the time, 261

The mother of missing 5-year-old Taylor Rose Williams has been arrested and charged with child neglect and giving false information to investigators, Jacksonville, Florida, Sheriff Mike Williams said Tuesday.The announcement came hours after authorities said human remains were found in in a wooded area in Alabama.Taylor's mother, Briana Williams, was charged at a Florida hospital, where she was being treated for an apparent overdose, Sheriff Williams said. She was in serious condition."The suspect has been absentee booked at a local hospital after being admitted today due to an apparent overdose of some sort," Williams told reporters."This is obviously not the outcome any of us had hoped to reach," said Melissa Nelson, state attorney for the 4th Judicial Circuit in Florida. "This investigation has led to what we believe to be the remains of Taylor Rose."Nelson said "many questions still loom and our office's work is just beginning."The Demopolis Police Department in Alabama said earlier Tuesday that human remains were found during the search for the missing girl. Demopolis is about 100 miles west of Montgomery."The multi-agency investigative team involved in the search for missing Taylor Rose Williams confirmed that search teams uncovered human remains in a wooded area between the cities of Linden and Demopolis, Alabama," the police department said 1383