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The Fourth of July is here and what better way to celebrate Independence Day than by sampling some of America's most delicious (and cheapest) food.Lots of restaurants are celebrating July 4 with free and cheap food. Here's a roundup of what you can score.Red, white and blue all overBruegger's Bagels: 314

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 #spellingbee starts soon! Here is a #map of America's top spelling searches for 2019.#spelling #DataViz pic.twitter.com/cel2IAMXcV— GoogleTrends (@GoogleTrends) May 24, 2019 189

The Internal Revenue Service issued a warning Friday about a new twist on the usual impersonation phone scam. Officials say criminals are faking calls from the Taxpayer Advocate Service (TAS), an independent organization within the IRS. Similar to other IRS impersonation scams, the con artist makes unsolicited calls to the victim, falsely claiming to be from the IRS. But now scammers have discovered a way to "spoof" the phone number of the TAS office in Houston or New York. The victim answers or returns the call, the criminal requests personal information, including a Social Security number or individual taxpayer identification number. The TAS office helps taxpayers resolve IRS issues, such as sudden financial difficulty, but does not call residents out of the blue. Characteristics of the calls are: Scammers use fake names and IRS badge numbers to identify themselves.Scammers may know the last four digits of the taxpayer’s Social Security number.Scammers spoof caller ID to make the phone number appear as if the IRS or another local law enforcement agency is calling.Scammers may send bogus IRS emails to victims to support their bogus calls.Victims hear background noise of other calls to mimic a call site.After threatening victims with jail time or with driver’s license or other professional license revocation, scammers hang up. Others soon call back pretending to be from local law enforcement agencies or the Department of Motor Vehicles, and caller ID again supports their claim.The IRS will never: Call to demand immediate payment using a specific payment method such as a prepaid debit card, gift card or wire transfer. Generally, the IRS will first mail a bill to any taxpayer who owes taxes.Threaten to immediately bring in local police or other law enforcement groups to have the taxpayer arrested for not paying.Demand that taxes be paid without giving taxpayers the opportunity to question or appeal the amount owed.Ask for credit or debit card numbers over the phone.Call about an unexpected refund.For taxpayers who don’t owe taxes or don’t think they do:Please report IRS or Treasury-related fraudulent calls to phishing@irs.gov (Subject: IRS Phone Scam).Do not give out any information. Hang up immediately. The longer the con artist is engaged; the more opportunity he/she believes exists, potentially prompting more calls.Contact TIGTA to report the call. Use their IRS Impersonation Scam Reporting web page. Alternatively, call 1-800-366-4484.Report it to the Federal Trade Commission. Use the “FTC Complaint Assistant” on FTC.gov. Please add "IRS Telephone Scam" in the notes.For those who owe taxes or think they do:Call the IRS at 800-829-1040. IRS workers can help.View tax account online. Taxpayers can see their past 24 months of payment history, payoff amount and balance of each tax year owed.Click 2888

The man who authorities say opened fire at a Walmart in El Paso, Texas, had a ''stone cold look'' when he surrendered, a police official who came face-to-face with him told CNN."It was a look I'd never seen before, and I've been on this force for 31 years," the official said. "I've seen murderers, robbers, nothing like this."Patrick Crusius, 21, of Allen, Texas, has been charged with capital murder in the mass shooting that left 22 people dead and more than two dozen wounded, according to court records. He is being held without bond.Crusuis was arrested Saturday in the Walmart parking lot, where he was sitting in his vehicle after the attack and saw police units responding, a law enforcement official told CNN. He then got out of his vehicle unarmed and walked over to the police vehicles where he was arrested without incident, the official said.While in custody, Crusius has been "cold" in his interactions with police, police officials told CNN.Police Chief Greg Allen told reporters Monday that Crusius has been cooperative, though he's shown no remorse and "appears to be in a state of shock and confusion."Criminal defense attorney Mark Stephens has been appointed by the court to represent Crusius, according to court records. Stephens did not immediately respond to CNN's request for comment.Suspect wrote a 'manifesto,' police sayCrusius is believed to have authored a racist, anti-immigrant document that laid out a dark vision of America overrun by Hispanic immigrants.With the hate-filled writing, which authorities called a 'manifesto,' were the words: "I'm probably going to die today."The four-page document, titled "The Inconvenient Truth," was published on the online message board 8chan about 20 minutes before the shooting. The writing is filled with white supremacist language and racist hatred aimed at immigrants and Latinos, and the author says he opposes "race mixing" and encourages immigrants to return to their home countries.Some of the language of the manifesto reflects ideas from President Trump, Fox News and the modern Republican party. For example, the document warns of a " 2129

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