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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

The BlackBerry phone, which many of us probably thought was a thing of the past, is officially coming back.OnwardMobility announced on Wednesday that the phone would be manufactured by FIH Mobile, which is a subsidiary of Foxconn Technology.“Enterprise professionals are eager for secure 5G devices that enable productivity, without sacrificing the user experience,” said Peter Franklin, CEO of OnwardMobility in a press release. “BlackBerry smartphones are known for protecting communications, privacy, and data. This is an incredible opportunity for OnwardMobility to bring next-generation 5G devices to market with the backing of BlackBerry and FIH Mobile.”No details of the new phone are known, but it will run on the Android operating system, the company said.The company added that it would have "government-level security.""BlackBerry is thrilled OnwardMobility will deliver a BlackBerry 5G smartphone device with a physical keyboard leveraging our high standards of trust and security synonymous with our brand," said John Chen, Executive Chairman and CEO, BlackBerry, in the release. "We are excited that customers will experience the enterprise and government level security and mobile productivity the new BlackBerry 5G smartphone will offer.”The 5G BlackBerry device will debut sometime next year. 1317

Television and film actress Selma Blair announced that she has been diagnosed with multiple sclerosis.In an Instagram post Saturday, the "Cruel Intentions" actress revealed she was diagnosed in August, and is facing the effects of the disease everyday.I am disabled. I fall sometimes. I drop things," she posted. " My memory is foggy. And my left side is asking for directions from a broken gps. But we are doing it. And I laugh and I don't know exactly what I will do precisely but I will do my best."Multiple sclerosis is a neurological disease that occurs when there's a breakdown in communication between the brain and other parts of the body, according to the National Institutes of Health. Symptoms include blurred vision, and difficulty with coordination and balance.Multiple sclerosis affects 400,000 people in the United States and 2.1 million people worldwide, the NIH says.Blair, 46, said she's had symptoms for years, and thanked her producers at Netflix for being understanding. She said she hopes "to give some hope to others. And even to myself," and encourage people to ask for help when they need it."I have probably had this incurable disease for 15 years at least. And I am relieved to at least know," she posted. 1250

The 2020 election is set to be unlike any other in history.With the COVID-19 pandemic, election officials expect up to 70% of all ballots to come in through the mail.There have been claims of fraud by President Donald Trump, but experts say the data does not support those claims."Somebody is more likely to be struck by lightning than they are to commit voter fraud,” said Lawrence Nordon, director of the election reform program at the Brennan Center for Justice, a non-partisan public policy group at NYU.Nordon says in the last few federal elections, 25% of all votes were cast through the mail. He says it can not only be more convenient, but an important tool when it comes to verifying results.“Mail ballots are paper ballots. That means we do have an opportunity to audit all of those ballots,” said Nordon. “But I think people should feel very comfortable with the security of the system.”As for security, election officials take extra measures to ensure the integrity of the ballot. Firstly, mail-in voting reduces the risk of foreign interference to nearly zero. Mail-in ballots are printed on a specific type of paper with technical markings that are difficult to duplicate. They also include several local elections like city council, school boards, and ballot initiatives. It means there are thousands of different ballots for our country’s 3,000 counties.Then you consider the actual ballot itself.It comes in a secrecy envelope that is connected to each individual voter who needs to sign it. That signature is verified by judges who are sometimes trained by the FBI to detect inconsistencies.Counties across the country also have system in place that update voter registration, death records, and address changes daily while they go in and cross-reference the data as well to make sure the ballots are going where they are supposed to and people are who they say they are.“[Voter fraud] is not a thing. I think we’ve had one prosecution in 15 years,” said Paul Lopez, clerk and recorder for the city and county of Denver.Lopez says of the nearly 213,841 votes cast by Denver residents in the state primary on June 30, 211,626 were cast through the mail. And this is for a state that had the highest voter turnout of 77% in 2016.“The biggest thing we can do is inform folks and make sure they understand the process, make sure they understand that it’s secure, that it’s safe, that it’s transparent,” said Lopez.This is not to say there are not cases of voter fraud; there are. In July 2019, prosecutors in North Carolina filed charges against a Republican political operative accused of ballot tampering in a congressional election in 2018.Since 1982, the conservative Heritage Foundation says there have been 1,088 proven cases of individual voter fraud.That may sound like a lot, but the Brennan Center for Justice says considering the hundreds of millions of votes cast in that time, it is considered so rare and happens on such a small scale, that it does not warrant the broad-based red flags some people raise. 3041

The annual New York Toy Fair showed off some fo the newest and most innovative toys from big name brands like Lego, Mattel, and Hasbro.Although, some of them may give parents second thoughts on purchasing that new toy. One of the newest - and grossest - toys is the Poo-Dough. You know, it's practically Play-Dough and it looks like something you'd normally flush down the toilet, but luckily it comes without the smell.It allows you to shape the perfect stool with two different shades of brown dough. Another highlight of the toy fair is the Pop-A-Zit. It's for those that love to pop those pesky blemishes, but this time it comes without the pain. If that's too disturbing or not your cup of tea, there's the Toilet Paper Blaster. The gadget allows you to shoot toilet paper spit-wads out of something that resembles a Super Soaker. This year, more than 1,000 exhibitors flocked to New York City to show their toys and attempt to lure in distributors.In 2017, kids went crazy for Fingerlings, FurReal Pets and L.O.L. Surprise, all of which made an appearance at Toy Fair. 1117

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