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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 Colorado-based burrito chain Illegal Pete’s has been up and running for over two decades, and the company now has nearly a dozen locations. “[Business has] been great for us,” said the chain’s founder Pete Turner.And it got even greater, Turner says, after an epiphany of sorts a few years ago. He thought to himself, “’What can this business be?’ And really, who is the face of the business? It’s the employees.”In 2015, Turner made a pledge—one that was practically unheard of at the time—to raise the minimum wages of his employees from an hour to . His plan was to increase pay gradually over three years.This month, that wage goes into effect.“Our employees are going to be able to live more comfortably [and have] fulfilled lives.,” he says. “They’ll be able to be more engaged in their job.”Employees like Kristina Keeling, who works in an entry-level position at Illegal Pete’s, says she knows firsthand how big of a difference those extra few dollars an hour make.“If I am surviving better in the world, then I’m going to come to work feeling a little bit better,” Keeling said. “Maybe feeling a little more positive about the world and I think I can give that and share that with the customers as well.”The federal minimum wage hasn’t changed since 2009, and it still sits at .25 an hour. However, many states have raised it on their own. Now, the nation is a hodgepodge of wages, and in some cases, large companies are now leading the way. Amazon, Target and Disney have announced they’ll pay employees an hour. However, critics argue small businesses will suffer if forced to pay an hour. The result may be to lay off workers or reduce hours.But Leo Gertner, with the National Employment Law Project, says when it’s done slowly, it works.“All of these changes have been extremely gradual,” Gertner explains. “Cents over time, and companies have been able to absorb the costs, including small businesses.”That’s how things are done at Illegal Pete’s. Turner’s mantra: make a slow buck, not a quick one.“It’s just nice to know we’ve got, let’s say, 380 people in Colorado that are able to live the lives they want to, go to school, grow in this company, get married, have kids, buy a house, and still work here,” Turner says. 2272

The company that makes the annual Best Colleges rankings said that the University of Oklahoma gave "inflated" data on its alumni giving rates for two decades.U.S. News & World Report, which produces the coveted Best Colleges rankings, 251

TEHRAN, Iran – Iran's judiciary says arrests have been made over the shootdown of a Ukrainian plane that killed all 176 people on board. A judiciary spokesman says that “extensive investigations have taken place and some individuals are arrested.” He was quoted by Iranian state media on Tuesday, but did not say how many individuals have been detained or name them. Earlier in the day, Iranian President Hassan Rouhani called for a special court to be set up to try those responsible for the plane shootdown. 521

The Department of Justice informed the House Oversight Committee on Wednesday that President Donald Trump has asserted executive privilege over materials related to the addition of a citizenship question to the 2020 census.The move comes ahead of a vote in the committee about whether to hold Attorney General William Barr and Commerce Secretary Wilbur Ross in contempt of Congress over a dispute related to the census and for not complying with subpoenas issued by the committee.In a letter to Committee Chair Elijah Cummings, Assistant Attorney General Stephen Boyd 580