Associations are not panicking as fear grips Wall Street; best approach is sticking to plan with high-quality, long-term investments Medick Bear market. Scary words for anyone invested in stocks—no less so for nonprofit organizations that depend on healthy reserves to protect and further their mission. But by some measures, the U.S. markets already have started to growl. Falling oil prices—in a switch from the normal pattern where low energy costs are good for stocks—greased the skids for a decline of about 20 percent in the average stock in the Standard & Poor's 500 index at one point last month. Smaller stocks were hit even harder. That qualifies as a bear market for… Read More