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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

TALLAHASSEE, Fla. — The Florida Department of Law Enforcement has released the body camera video from the search executed at the Tallahassee home of fired Florida COVID-19 data curator Rebekah Jones.The footage was publicly released Thursday afternoon after Jones shared her own clip of the search on social media on Monday. Jones helped create Florida's COVID-19 dashboard before being terminated for insubordination in May."The actions of FDLE agents have been vilified over the past few days regarding the legal search warrant executed at the residence of Ms. Rebekah Jones. Because of inaccurate and incomplete statements given by certain individuals, the body camera video taken from outside the home is being made available," FDLE wrote in their statement.According to FDLE, the body camera video starts at 8:25 a.m., when a Tallahassee Police Department officer and an FDLE agent walk up to the door. At 8:26 a.m., FDLE said they began ringing the doorbell and knocking on the door. "During the initial approach, agents tried to minimize disruption to the children, attempting to speak with Ms. Jones at the door to explain the search warrant," FDLE wrote.Around 8:31 a.m., agents went to the back of the house and saw Jones’ husband going upstairs. They said that the situation continued for 23 minutes as Jones refused to cooperate even as agents called her multiple times.When they went inside the home, agents saw a video camera pointed in the direction of the front door, which seemed to be recording the entire time the agents were inside the home.Jones' video was not seized during the search warrant. Neither were electronic devices belonging to Jones’ children and husband after being "forensically examined."“I am proud of the way these FDLE agents performed. I can only hope those same individuals who criticized these public safety heroes will now apologize and condemn the actions of Ms. Jones," FDLE Commissioner Swearingen stated. "The media should also demand Ms. Jones release the entirety of the video she recorded while agents were present in her home.”To watch the first part of the video, click here: https://vimeo.com/489556079.To watch the second part of the video, click here: https://vimeo.com/489554493.This story originally reported on WTXL.com. 2288

The Better Business Bureau (BBB) is warning that the number of online puppy scams has risen sharply in 2020. The rise in scams comes as more families seek to adopt pets to ease the loneliness, tension or boredom associated with the COVID-19 pandemic.Scammers are taking advantage of the rising demand by tricking would-be pet owners into paying hundreds of dollars or more to purchase animals that ultimately don’t exist.The BBB says its Scam Tracker has received nearly 4,000 reports of pet fraud so far this year and the bureau projects it will receive about 4,300 reports by the end of 2020, amounting to approximately .1 million in losses. Last year, there were only 1,870 pet scams reported, amounting to just over million.The BBB says it started to see this spike in scams when the pandemic hit the U.S. in the spring. Accordingly, there were more reports in April than in the first three months of the year combined. This trend is continuing into the holiday season as well. The BBB says it received 337 complaints about puppy scams in 2020, which is a dramatic increase from 77 for the same month in 2019.The median loss reported to Scam Tracker this year is 0 and victims between 35 and 55 accounted for half of the reports.With scammers evolving their tactics during these difficult times, the BBB says consumers should exercise extreme caution when shopping for pets online.Data from the Scam Tracker shows that mobile payment apps like Zelle and CashApp are often being used now, whereas Western Union or MoneyGram wire transfers were popular payment methods documented in a 2017 study. Also, the BBB says pet scammers now commonly use online advertising tools, like sponsored links to boost their fraudulent listings in search results.Additionally, the pandemic has given scammers a new tool in their arsenal. Reports show many fraudsters are telling victims they cannot meet the animals before sending money because of COVID-19. To combat this, experts recommend using video conferencing to meet the animal and owner virtually before buying.Scammers have also made COVID-19-related money requests for items such as climate-controlled crates, insurance and non-existent COVID-19 vaccines.Michelle L. Corey, BBB St. Louis president and CEO, says knowing the red flags associated with these pet scams can help consumers avoid heartache and losing their money.The BBB recommends the following when buying pets online:See the pet in person before paying any money. In light of the COVID-19 pandemic, consider a video call with the seller so you can see the seller and the actual pet for sale. Since scammers are not likely to comply with the request, this may help avoid a scam.Do a reverse image search of the photo of the pet and search for a distinctive phrase in the description.Do research to get a sense of a fair price for the breed you are considering. Think twice if someone advertises a purebred dog for free or at a deeply discounted price … it could be a fraudulent offer.Check out a local animal shelter online for pets you can meet before adopting.BBB urges more law enforcement action against pet scammers.The public should help to educate those looking for pets online by sharing BBB’s tips and study.Click here to learn more. 3267

Tense moments were peacefully diffused right in our headquarters parking lot. This afternoon, a woman drove her car into our parking lot. One of our employees saw she was armed with a shotgun. pic.twitter.com/iRAvVNg8f6— San Diego Police Department (@SanDiegoPD) October 21, 2020 293

Thank you everyone for your very kind wishes on The Duke of Cambridge's birthday today! ?? ?? pic.twitter.com/9vHLhSvzIr— The Duke and Duchess of Cambridge (@KensingtonRoyal) June 21, 2020 196