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The holiday shopping season is upon us and it’s never too early to start scoping out gift ideas, especially for the children in your life. It can be hard to shop for kids because of rapidly changing toy trends and the sheer amount of choices in stores. To help make things easier, some of the nation’s largest retailers have already released toy catalogs highlighting some of the year’s hottest toys. 413

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 college admissions scheme revealed Tuesday is the largest of its kind ever prosecuted, federal prosecutors said, and features 50 defendants across six states, millions of dollars in illegally funneled funds and a handful of the country's most selective universities.But at its core, the alleged scheme is remarkably simple -- and brazen.Cheat on standardized tests. Bribe the people who decide which students get admitted. All the while pretending that money was for charity."I'll speak more broadly, there were essentially two kinds of fraud that Singer was selling," US Attorney Andrew Lelling said, referring to William Rick Singer, the figure at the center of the scheme."One was to cheat on the SAT or ACT, and the other was to use his connections with Division I coaches and use bribes to get these parents' kids into school with fake athletic credentials," Lelling said at a press conference in Boston.A total of 50 people were charged in the case. Those arrested include two SAT/ACT administrators, one exam proctor, nine coaches at elite schools, one college administrator and 33 parents, according to Lelling.Here's how the plan worked, according to prosecutors.Cheating on the ACTs and SATsOf course, students who score higher on standardized tests such as the ACT and SAT are more likely to get into selective colleges.Given that, Singer facilitated cheating on those exams for students whose wealthy parents paid for his services.Singer pleaded guilty in court on Tuesday to four federal charges and admitted that the case against him was accurate.According to the indictment, he arranged for a third-party -- generally Mark Riddell, who is 1670

The first trailer for the next James Bond film dropped Wednesday morning and it appears Daniel Craig will have an action-packed sendoff.Titled No Time To Die, the upcoming film marks the fifth time Craig has played the MI6 agent and the 25th James Bond film overall."In 'No Time To Die', Bond has left active service and is enjoying a tranquil life in Jamaica. His peace is short-lived when his old friend Felix Leiter from the CIA turns up asking for help. The mission to rescue a kidnapped scientist turns out to be far more treacherous than expected, leading Bond onto the trail of a mysterious villain armed with dangerous new technology," said 661

The memory of serving in war still haunts veteran Matthew Kahl. "I'd seen things. I'd done things that were no person no person should ever have to do,” Kahl says. Kahl was deployed to Afghanistan twice in four years. Since serving, he’s tried twice to take his own life."I tried to commit suicide. I found every medication in the house cold medications, Tylenol, everything,” he recalls. “And I took them all, everything. Every last bit." Kahl says doctors tried to help by him by prescribing numerous different medications. “Ninety-six medications over the course of three to four years," he says. But he says all of these drugs, many of them anti-depressants, didn't fix his problem. "The traditional treatment caused me to be a zombie. It toned down the feelings,” he says. “It eliminated the feelings. It completely removed all the ability to connect with your issues your trauma." Then, he says he took a more natural route. First, he tried cannabis, but then, he went to psychedelic drugs, like psilocybin mushrooms. "Mushrooms, it was like magic. They fixed the pain they fixed the issues that were leading to the pain,” he describes. “It was a profound, profound experience. It was healing." Kahl considers magic mushrooms a medicine. However, the government considers them illegal. In May, Denver could become the first city to decriminalize psilocybin mushrooms. "We believe no person should be criminalized, lose their jobs, lose their family, lose their livelihood, for possessing a substance that grows naturally and has such really potential medical benefits,” says Kevin Matthews, an advocate for decriminalizing psilocybin mushrooms. Matthews' campaign got nearly twice the amount of signatures needed to get on the ballot. If voters approve the measure, mushrooms would still be illegal but would become the "the lowest-law enforcement priority." Supporters point to studies like one by Johns Hopkins University that say mushrooms have the potential to help with depression and anxiety. "It's one of these things that we have a lot of issues that we're facing as a society: rising rates of addiction and mental health crisis,” Matthews says. “And psilocybin can be an affecting alternative to the current paradigm of treatment." The government considers mushrooms a schedule 1 drug that have "no currently accepted medical use and a high potential for abuse." If users like Kahl were caught with mushrooms, they could face prison time. That's why a "yes" vote in May would mean so much to him. "It would mean freedom,” he says. “Finally being free of the worry, of being prosecuted and going to jail." He says that fear won't stop him from using mushrooms as a weapon in the fight against PTSD."You don't have to be stuck. This isn't a life sentence, and this PTSD, it’s curable,” he says. “You don't have to live with this pain for the rest of your life. You don't you can move on."There is a similar push to decriminalize mushrooms in Oregon in 2020. A legalization effort fell short in California last year. 3041

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