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Stay up late Monday night watching the Stanley Cup Finals or Monday Night Football? Need a jolt of caffeine to keep you awake through tonight's presidential debate? You're in luck — because Tuesday is National Coffee Day.Several national chains are making it easy to celebrate with a cup of joe on Tuesday by offering freebies or discounts. Below is a list of chains offering deals, according to Offers.com:Barnes & Noble: Nothing beats a good book and a cup of coffee on a brisk fall day. Get off a cup of Starbucks coffee at the bookstore cafes through Sept. 30.Dunkin': The breakfast chain is giving away a free medium hot or iced coffee with any purchase at participating locations.Jack in the Box: The fast-food chain is giving away a free regular hot or iced coffee with any purchase through its app through Oct. 1.Krispy Kreme: Nothing pairs with coffee like a donut and the chain is giving away both on Tuesday. Participating locations are giving away free coffee to all customers — no purchase necessary — on Tuesday, and rewards members can also score a free donut.Peet's Coffee: Homebrewers can get 25% off Peet's coffee beans online and in the chain's coffee bars between Sept. 27 and Sept. 29.Starbucks: Starbucks Rewards members who order through the chain's app on Tuesday will receive a free drink loaded to their account for a future visit. The Coffee Bean & Tea Leaf: Get a free regular coffee with a food or bakery purchase at participating locations on Tuesday.Tim Hortons: Between now and Oct. 26, customers can get any size hot or iced coffee for Students across the country are expected to walk out of their classrooms Wednesday morning to protest gun violence. The National School Walkout is scheduled to begin at 10 a.m. in every time zone and last for 17 minutes -- a minute for each life lost in the Parkland school shooting.If you're a student who's thinking of taking part (or the parent of one), you probably have lots of questions: Can the school retaliate? Will it hurt your chances of college? Can you just stay home for the day?For help with answers, we turned to a couple of experts: 1. Can my school punish me for taking part? 606.99 when ordering through the chain's app or website.Wawa: Anyone who signs up for Wawa Rewards can cash in for a free coffee of any size on Tuesday. 1731

Summer driving will be more expensive this year. Thanks, OPEC.Prices at the pump are likely to be 14% higher than last summer — an average of .74 per gallon, the US government estimated on Tuesday.The price of oil has climbed because of efforts by OPEC and Russia. Brent crude, the global benchmark, surged 3.5% on Tuesday to .04 a barrel, the highest since late 2014. That's already above the EIA forecast of for this summer, suggesting gas prices could go even higher. Brent crude averaged just last summer.Summer driving season, which the EIA considers April through September, is historically when demand peaks for gasoline as Americans go on vacation. The EIA expects highway travel to increase 1.3% over last summer.Although gas is well below the a gallon prices of 2008, it has risen because of the recovery in the oil markets. The average gallon of gasoline fetched .66 on Tuesday, according to AAA. That's up from .39 last year, just as summer driving season was beginning.Of course, those are just national averages. West Coast states are grappling with more pain at the pump.Drivers in California, Oregon, Nevada, Washington State, Hawaii and Alaska already pay more than per gallon, according to AAA. California's average gas price has jumped to .52, compared with .99 a year ago.After crashing to just a barrel in early 2016, crude oil has more than doubled in price. Supply in the United States is very strong. Production of crude recently hit record high because of the shale oil boom.But foreign oil supply is down, largely because of OPEC's efforts to boost prices by curbing production. Saudi Arabia-led OPEC and Russia reached an agreement in late 2016 to pump less oil. OPEC and its allies agreed last November to extend the cuts through the end of 2018.The production cuts are designed to reduce the global oil glut — and they appear to be working, judging by the recovery in prices and decline in stockpiles.Saudi Arabia decided last year to slash shipments of oil to the United States, the market watched most closely by oil traders. American imports of Saudi crude declined 14% last year to the lowest since 1988, according to the EIA.At the same time, the United States is shipping record amounts of oil overseas?since Congress lifted a ban on most exports in 2015. US oil exports have nearly quadrupled since then. 2409

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

Students ordering books online have the chance to get a high percentage off textbook rentals and to sign up for free trials.Offers.com says opting for digital purchases or rentals can reduce costs. It suggests trying Textbooks.com for up to 90 percent off textbook rentals, or signing up for a free trial at Chegg for purchasing books online.Other college saving tips from Offers.com: 412

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