FINANCE IN A NUTSHELL: The graduating class of COVID-19

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Shortly before college seniors prepared to sing “Auld Lang Syne,” start a new year and get ready for their last semester of the 2019-2020 school year, news came from China about pneumonia cases with an unknown cause. Within days, the virus spread throughout Asia, and cases piled up at an accelerated rate. Less than a month went by, and the virus reached U.S. shores. Within a month and a half, non-essential businesses were closed, professional and college sports, cancelled and schools transitioned to an online structure.Life as we knew it was flipped upside down, and our next steps as a society were ambiguous.Almost immediately, all in-person college courses transferred to virtual settings, which affected both students and professors. A recent graduate of St. Joseph’s University and member of our financial planning team believed he and many of his classmates were prepared for the changes stating: “We have to be able to quickly learn and adapt to new things virtually, most of the time learning by doing.”

Technology issues with spotty WiFi and being out of the normal classroom setting affected concentration. He explained: “Many times, the professors would lose connection or have unstable Internet, which would …

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