We have talked in the past about how to keep your information safe online, but what about your kids’? In this era of Zoom classrooms, kids are more in charge of their cyber safety than ever before, and parents are sick of remembering and retrieving passwords. What’s the solution?  

Below we’ve distilled some wisdom shared recently in this Wall Street Journal article. 

• Tell them why – Passwords stop others from using your computer or pretending to be you over the internet. 
• Long is best, and silly beats the rest! – Use a silly sentence as a password. Silly sentences are easy to remember and hard to guess. What’s the silliest sentence you can think of? 
• Secrecy and consequences – Only you know your secret code. If you lose or forget it you might not be able to play with your friends. Trusting an adult with your password is ok. 
• No peeking – Passwords are secret. Before and while you enter your password, make sure no one is watching. 
• Check for the little padlock – The little lock in the address bar shows you have a secure connection, and it’s safe to enter your password. 

This month, John & Molly Reagan welcomed their fourth child, and first girl, Catherine Marie Reagan, into their family on October 3, 2020.  She was seven pounds, fifteen ounces and nineteen inches long. Congratulations John and Molly!

Whether your political views are right, left, or somewhere in between, you should check out this video. Election years tend to heighten everyone’s anxiety. This video does a great job of helping us as investors understand what to do.

As changes to tax reform, foreign policy, and social issues loom, it’s totally natural to be tempted to make short-term portfolio changes to profit from the uncertainty, or to minimize losses. But, as we know, markets are extremely efficient at processing new information and adjusting prices based on future expectations, so research would tell us any fears or expectations about the results of the presidential election are already baked in.

So, what’s a savvy investor to do? Our friends at Dimensional Funds skillfully reframe the perspective provided by the regular media.

Going back to 1928, when Herbert Hoover was elected president over Al Smith, the S&P 500 has returned on average 11.3% during election years and 9.9% in the subsequent year. In fact, there have been only three presidents in history that have seen negative returns in the stock market over their presidential tenure: Herbert Hoover during the Wall Street Crash of 1929, Franklin Roosevelt during the Great Depression, and George W. Bush in the 2000s during a time known as the Lost Decade.