GIVEN THE FEAR AS TACHED TO EBOLA, ALWAYS HELPFUL TO JUST REVIEW THE BASICS. HEATHER UNRUH REMIND US HOW THE DISEASE SPREADS, WITH THE HELP MUCH U. MASS MEDICAL SCHOOL PROFESSOR . HOW CAN YOU GET EBOLA? IS THERE REASON TO BELIEVE YOU COULD GET EBOLA FROM RIDING ON A PLANE WITH SOMEONE WHO HAS IT? EBOLA IS USUALLY ONLY TRANSMITTED BY DIRECT CONTACT WITH BLOOD AND BODY SECRETIONS OF AN INFECTED INDIVIDUAL. AND ITS USUALLY WHEN THOSE INDIVIDUALS ARE, THEY ARE MOST INFECTIOUS WHEN THEYRE SYMPTOMATIC. SO USUALLY SOMEBODY WOULD BE HAVING SYMPTOMS, FEVER, MUSCLE ACHES, VOMITING, DIARRHEA. DOES THAT INCLUDE IF YOU SNEEZE AND THE TRAY TABLE IS DOWN THE PLANE, DOES THE NEXT PERSON IN THE SEAT, ARE THEY AT RISK? IT USUALLY INVOLVES CONTACT WITH BLOOD AND BODILY FLUIDS OF AN INDIVIDUAL WHO IS INFECTED AND SOIL TOM ATTIC. IT NOT AIR BORNE, LIKE FLU. ARE YOU ALARM BID SCOPE OF THE OUTBREAK? ABSOLUTELY. IT HAS DEFINITELY BEEN DEVASTATING FOR THE COUNTRIES INVOLVED. WEVE LOST MANY COLLEAGUES IN LIBERIA, AND MANY OF THEM ARE SIDELINED BECAUSE HOSPITALS ARE CLOSED. SO ITS HAD A HUGE IMPACT ON THE HEALTH CARE SYSTEM IN PARTICULAR AND ON THE GENERAL ECONOMY AND WELL-BEING OF THE COUNTRY AS A WHOLE. DO YOU THINK WE SHOULD RESTRICT PEOPLE FROM COMING TO THIS COUNTRY FROM LIBERIA AND SIERRA LOW OWN? AT THIS POINT IN TIME I THINK MANY OF US FEEL THAT RESTRICTING TRAVEL IS NOT WIDE, BUT THAT IMPLEMENTING APPROPRIATE SCREENING AND FOLLOWUP PROCEDURES IS THE WAY TO GO. DO YOU THINK WELL SEE MORE CASES IN THE UNITED STATES? ITS VERY POSSIBLE. BUT WE HAVE ONE OF THE BEST HEALTH CARE SYSTEMS AND PUBLIC HEALTH SYSTEMS IN THE WORLD. I THINK THEY ARE PRIMED AND READY TO DO WHAT THEY NEED TO DO TO KEEP THE AMERICAN PUBLIC HEALTHY. WITH US NOW, THE DIRECTOR FOR THE HARVARD GLOBAL HEALTH INSTITUTE AND PROFESSOR OF HEALTH POLICY AT THE HARVARD SCHOOL OF PUBLIC HEALTH. THANK YOU FOR BEING HERE, DOCTOR. MY PLEASURE. WE JUST HEARD ABOUT CLOSING AIRPORTS, NOT CLOSING AIRPORTS, DO YOU AGREE WITH THAT, THAT YOU REALLY CANT DO THAT? YEAH, CLOSING BORDERS, HAVING A FLIGHT BAN SOUND LIKE A REALLY GOOD IDEA UNTIL YOU START THINKING ABOUT IT. AND THEN YOU REALIZE ITS NOT ONLY NOT GOING TO WORK, ITS PROBABLY GOING TO BE COUNTERPRODUCTIVE. WHAT WE NEED TO DO IS STAMP OUT THE DISEASE IN WEST AFRICA. AND ANYTHING THAT MAKES THAT HARDER MAKES THE AMERICAN PUBLIC LESS SAFE. SO NOW THAT WEVE HEARD A CASE IN NEW YORK CITY AND WE HEARD THAT THIS MAN WAS ON THE TRAIN, AND WENT BOWLING RIGHT BEFORE HE GOT SICK, YOU CAN UNDERSTAND THERES A LEGAL OF PANIC THAT THEN ENSUES WITH THIS LARGE CITY WHO ALSO USES THAT TRANSIT SYSTEM. YES. WHAT CAN THE MEDICAL COMMUNITY DO, WHAT CAN ALL OF US DO TO STEM THAT PANIC? FIRST AND FOREMOST, WEVE GOT TO GET THE FACTS. AND THE FACTS ARE THAT YOU CAN GET EBOLA FROM SOMEBODY WHEN THEYRE VERY, VERY SICK, AND YOU SHARE FLUIDS WITH THEM. BODILY FLUIDS. UNTIL THOSE TWO THINGS HAPPEN, YOURE NOT GETTING EBOLA. SO YOU DONT GET EBOLA FROM RIDING THE SUBWAY. YOU KOBT GET EBOLA FROM SHARING A BOWLING BALL. YOU GET EBOLA WHEN SOMEBODY IS VERY, VERY SICK WITH THE DISEASE AND YOURE SHARING BODILY FLUIDS. THE MAYOR SAID TODAY THE CITY OF NEW YORK IS PREPARED TO HANDLE THIS OR EVEN SOMETHING MORE SEVERE THAN THEYVE SEEN SO FAR. IS THE CITY OF BOSTON, IS MASSACHUSETTS READY FOR THAT AS WELL? I BELIEVE THEY ARE. IVE BEEN TALKING TO MY COLLEAGUES AT ALL THE HOSPITALS, THEYVE BEEN PRACTICING, DRILLING, I THINK THEY ARE READY THE CITY HAS BEEN ON ALERT. THINK WHICH WE ALL LEARNED A LOT OF LESSONS FROM DALLAS. THEY DIDNT HANDLE IT AS WELLS THAT THEY SHOULD HAVE. AND I THINK THE SECOND TIME AROUND WELL GET IT RIGHT. I READ THAT A POTENTIAL EBOLA VACCINE THAT WAS 100% EFFECTIVE ON MONKEYS NEVER REACHED THE TRIAL STAGE AND HAS BEEN SITTING OLD CHEF. WHAT IS THAT ALL ABOUT? SO WEVE BEEN WORK ON SHES VACCINES, BUT THE PROBLEM IS THAT THERE ISNT A MARKET FOR IT, OR THERE WASNT A MARKET FOR IT, BECAUSE NOBODY IN AMERICA WAS GETTING SICK OF EBOLA. AND IN WEST AFRICA IT WAS SPORADIC, IT WOULD POP UP AND THEN GO AWAY. SO WE DIDNT INVEST IN IT. NOW HERE WE ARE WITH THIS INCREDIBLE OUTBREAK AND WEVE GOT TO TURN AROUND AND GET THIS VACCINE OUT THERE AND TEST IT. AND THATS PRIMARILY A FINANCIAL DECISION, THESE COMPANIES DONT WANT TO INVEST MONEY IN A DRUG THATS NOT GOING TO BE USED OR A VACCINE THATS NOT GOING TO BE USED. AND IF IT IS USED, ITS OFTEN IN COUNTRIES THAT CANT AFFORD TO QUITE. WE BLAME THESE COMPANIES. BUT IF YOU THINK ABOUT IT, IF YOURE A SHAREHOLDER OR CEO., DO YOU INVEST TENS OF MFLS INTO SOMETHING THAT HAS NO FINANCIAL PAYOFF. HUMAN PAYOFF, YES. FINANCIAL PAYOFF, NO. ITS A TOUGH DECISION AND THIS IS WHERE WE NEED THINGS LIKE GOVERNMENT FUND TOK SAY WERE GOING TO JUSTIFY THE INVESTMENT, YOUVE GOT TO MAKE THAT INVESTMENT. AS A PUBLIC HEALTH OFFICIAL, HOW DO YOU LIKE AT THE EBOLA OUTBREAK, ARE YOU CONCERNED? HOW BIG DO YOU THINK THIS HAS THE POTENTS OF GETTING? I AM NOT CONCERNED ABOUT MY FAMILY, MY FRIEND, EXCEPT THE ONES WHO ARE GOING TO LIE BEER WHY TO WORK. WHAT I WORRY ABOUT IS, LOOK, IF THE LONG-TERM GOAL IS TO PROTECT THE AMERICAN PUBLIC, TO PREVENT FUTURE CASES OF EBOLA, WE HAVE GOT TO MAKE THE INVESTMENT OF GETTING TO WEST AFRICA AND STAMPING THE DISEASE OUT. THEY CANT DO IT BY THEMSELVES. AND WE ARE JUST NOT SERIOUS ENOUGH ABOUT THAT PART OF THE SOLUTION. GOING TO THE SOURCE. GOING TO THE SOURCE. DOCTOR, THANK YOU VERY MUCH FOR BEING WITH US. MY PLEASURE. TED REINSTEIN SAYS THE ENTIRE COUNTRY IS SUFFERING FROM SOME



Q: Ive been planning to invest a large amount of money in a Vanguard index fund. Just when I was ready to fill out the forms the Dow Jones industrial average started to fall and alarming news stories were calling it a correction. Can you explain correction and what I should do about it? Is this temporary? How will I know when its over?

A: The term correction, is one of three words that investing professionals use to help people understand just how scary, or damaging, a stock market plunge might be.

The stock markets three categories for losing money are pullback, correction and bear market.

A pullback is mild. It might make you nervous as the damage is being inflicted to your money, but it will blow over quickly. You might lose 5 to 9 percent of your money, but the losses will heal quickly. Within a few weeks you might not even remember that it happened. By the end of the year if you look over your 401(k) or IRA, the short-term losses probably will be indiscernible.

Thats true of a correction too, although when you are in the midst of one, it will be scarier and you will wonder if it will become more destructive. In a correction, you temporarily lose 10 to 20 percent of your money, maybe over a couple of months. But on average you are back to even in four months, according to Standard Poors research.

The trouble with a correction, however, is that you never know when it will be over, and a correction can morph into a bear market.

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Forget the fact that the broad-based Samp;P 500 tripled from its March 2009 lows. All that matters right now to some investors is that the Samp;P 500 has lost about 7% of its value in a matter of a month, and traders are terrified.

Having watched CNBC at 3 am (what can I say -- Im a night owl) this past week, most of the programming early in the week was devoted to whether or not the market would continue plunging. And why did CNBC likely take this route with its programming? The answer is that many traders allow their emotions to get the better of them. In other words, the best way to invest money for some traders is to simply hop aboard the latest news-driven story and hang on for dear life until the next one comes along.

Though this strategy of trying to time the market based on news events has worked for a few years, given that there have been no sizable corrections, its not a successful long-term strategy, as recessions and stock market contractions are a natural and unpredictable component of any economic cycle.

This is the best way to invest money in a falling market
So this leaves investors like you and I, who arent trying to time the market and swipe a $0.10 gain on a stock, wondering: Whats the best way to invest money when the stock market is plunging?

I believe the answer to that question is actually easier than you might think: turn to high-quality dividend stocks.