Market jitters making you anxious? Our expert might have the remedy to calm your nerves.

Mar 21, 2022

3 min

So far, 2022 has been, in a word, volatile. With the emergence of omicron, supply chain issues choking the economy, inflation the highest it has been in decades and now the war drums beating in Europe, investors are getting nervous and the markets are showing the strain.

As political guru James Carville once said, "It's the economy, stupid!"

Following that sage advice, Augusta University’s Wendy Habegger is here to offer expert perspective to journalists looking to figure out just what’s going on with the markets and what investors and the public can expect in the coming months.

Q: What's the best advice to give people when the stock market is on such a roller coaster ride?

“Frankly put, if one can't stomach when the roller coaster drops, don't get on the ride. If one does not have much tolerance for risk, they should not invest in the stock market. If one is already invested in the stock market and breaking into a cold sweat every time they look at their stocks, then they need to take a cash position, meaning cash out of the stock market. The market does not reward anyone based upon their level of anxiety. What good is making gains on stocks if one will turn around and spend those gains treating their ulcers? I liken it to pro sports athletes who don't retire when they are still healthy. What good is all the money they earned if they are only going to be spending it on medical treatments for the rest of their lives? What kind of quality of life is that?"

Q: With the market trending down right now, if people can invest, is this the best time to do so?

“Whenever the market trends down, it is always a great time to buy stable companies with solid cash flows and certain commodities. Look for those companies and commodities that always do well regardless of what is happening in the economy. But remember my response to the above question. One should do this if and only if they can tolerate risk.”

Q: Should people look at safer places to put their money for the time being, and what would some of those places be?

“Again, this depends upon their level of risk tolerance. If they are risk tolerant, they should shift into less risky investments. If they are not risk tolerant, cash out and put it in their savings accounts or CDs.”

Q: Does the emergency fund rule of thumb still come in to play, maybe now more than ever?

“Yes, but I don't go by the standard rule of thumb for emergency savings – having three to six months of expenses saved. I teach students their goal should be to have 12 months of expenses saved. The three to six months rule is obsolete. We saw this with the recession of 2007-09 and with the pandemic. People need to be able to live without employment longer because there is no definitive time frame for when one will find gainful employment and the government should not be relied upon to support the mass population in the meantime. Also, even when the government does provide assistance, not everyone receives it and some still never recover from the aftermath. “

The economy is front and center for just about every American business, investor and household – and if you’re a reporter looking to know more, then let us help.

Wendy Habegger is a respected finance expert available to offer advice on making the right money moves during volatile times. If you’re looking to arrange an interview, simply click on her icon now to arrange an interview today.

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Wendy Habegger, PhD

Senior Lecturer in Hull College of Business

A respected finance expert available to offer advice on making the right money moves and handling the ever changing stock market.

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Aug 20, 2026

3 min

AU Hosts Congressional Hearing on 'Building an AI-Ready America'

The U.S. House Committee on Education and Workforce held its first artificial intelligence field hearing of the year, titled "Building an AI-Ready America: How AI Is Creating Opportunities Across America's Workforce," at the Georgia Cyber Center at Augusta University on July 24. U.S. Rep. Rick W. Allen, who represents Georgia's 12th District and chairs the committee's Subcommittee on Health, Employment, Labor, and Pensions, chaired the hearing. He was joined by U.S. Rep. Joe Wilson of South Carolina and U.S. Rep. Lucy McBath of Georgia. Jeffery Talbert, PhD, chair of Augusta University's Department of Artificial Intelligence and Health at the Medical College of Georgia and a Georgia Research Alliance Eminent Scholar, served as one of four witnesses at the hearing. "Today, we examine how artificial intelligence, AI, is creating economic opportunities for American workers, job creators and our communities," Allen told the committee. "There's no better place to hold this hearing than right here in Augusta." Allen said the combination of the Georgia Cyber Center and Fort Gordon provides the expertise needed to discuss AI. "Fort Gordon is just a short 30-minute drive from where we currently sit," he said. "It hosts the Army Cyber Center of Excellence and is home to Army Cyber School, which trains, educates and develops the Army's Cyberspace and Electronic Warfare workforce. Every year, thousands of people leave Fort Gordon looking for work." He added that the Georgia Cyber Center "was created to meet this growing demand and drive collaboration between academia, government and industry stakeholders to equip a superior cybersecurity workforce with the skills they need." Augusta University President Russell T. Keen told the committee it was an honor for AU's Georgia Cyber Center to host the hearing. "Congressman Allen has long recognized the important role that education, innovation and workforce development play in strengthening our state and our nation," Keen said. He added that AI "will continue to change how we live, how we learn, how we work and how we solve problems," and that Augusta University "intends to lead in that transformation in ways that strengthen our workforce, advance discovery, improve lives, change lives and save lives." Talbert, who has more than 30 years of experience in biomedical informatics, has published approximately 260 times and has led more than 100 funded research projects totaling more than $130 million. He told the committee that in health care, AI is demonstrating its greatest value through augmentation, helping professionals "work more effectively, reducing administrative burdens, improving patient outcomes and expanding workforce capacity." He pointed to ambient documentation technology, which converts clinical conversations into draft notes clinicians review and approve, as one of the industry's most successful AI applications. "Multiple studies show these tools reduce documentation burden, after-hours work and burnout," Talbert said. "One multisystem implementation found clinician burnout fell from approximately 52 percent to 39 percent." He also cited studies showing AI-assisted breast cancer screening detecting approximately 29 percent higher cancer rates, "helping more patients benefit from earlier diagnosis and treatment." America's opportunity, Talbert said, "is not simply to adopt AI, but to lead its responsible development, education and implementation." He pointed to Augusta University's Department of AI and Health, the first of its kind in Georgia, as an example of that approach. Allen closed the hearing by cautioning against a one-size-fits-all approach to AI policy. "The needs of a family farm are not the same as those of a hospital, a manufacturing plant or a small business," he said. "Congress must pursue flexible policies that allow businesses to adopt AI in ways that best suit their industry and workforce." JagWire has the full recap of the hearing and the Augusta Chronicle, Innovation & Entrepreneurs News and Traders Union also covered the field hearing. Augusta University experts in artificial intelligence, healthcare innovation and workforce development are available for interviews. If you're covering similar stories, reach out to schedule time.

Aug 17, 2026

2 min

The Real Risk of AI in the Classroom Isn't the Tool, It's the Shortcut

Artificial intelligence has moved from novelty to daily habit in classrooms across the country, and the debate over what that means for learning shows no sign of slowing down. Some schools have built AI into their curriculum. Others have banned it outright. Caught in the middle are students trying to figure out where the technology actually helps and where it quietly gets in the way. Trent Kays, PhD, an assistant professor and Director of Professional Writing and Rhetoric at Augusta University, has spent time researching exactly that question, and he recently sat down with FOX54 News to talk through what he's seeing firsthand. Kays, who also serves as a faculty affiliate in Women's and Gender Studies and specializes in digital rhetoric and machine writing, says students are already using AI for far more than quick homework help, from brainstorming and studying to building out entire lesson plans on their own. The bigger concern, according to Kays, isn't misuse in the obvious sense. It's what he calls cognitive offloading, students handing the thinking itself over to the machine. "Students are essentially using AI to do their thinking for them, which is not something that they should do," he said. It's part of why he keeps AI out of his first- and second-year courses entirely: those early classes are where students build the critical thinking skills they'll need before a tool can actually help. "They have to be able to think critically first before they can ask a tool to help them." Accuracy is its own problem. AI tools have gotten sharper, but Kays points out they still fabricate information regularly, including sources that were never real to begin with, something students are far less likely to catch than an instructor who actually reads the citations. None of this means Kays thinks AI belongs outside the classroom. He describes it as a potential process partner, something that can push a student's thinking further rather than replace it, as long as the structure around it is clear. As he put it, what schools need now is to "craft clear guidelines and structures for students to follow so that they know how to use it and how to use it well." Read the full interview and FOX54's coverage here: AI in the Classroom: Augusta University Professor Explains the Benefits and Risks Dr. Trent Kays is available for interviews on AI in education, digital rhetoric, and responsible AI use in academic settings. If you're covering similar stories, click on this icon to schedule time with him.

Jul 9, 2026

1 min

Augusta University's Simon Medcalfe on the Real Economics of Hosting the World Cup

With the World Cup underway across the U.S., Canada, and Mexico, Dr. Simon Medcalfe, economist at Augusta University's Hull College of Business, wrote for Augusta Business Daily about why FIFA's headline economic projections for the tournament don't hold up. His piece breaks down why most of the spending tied to hosting the event isn't new activity but rather it's money that would have been spent elsewhere regardless. As Medcalfe put it: "New spending is not created; it is just moved around." Read his full column in Augusta Business Daily : Dr. Medcalfe is a Professor of Economics and Finance at Augusta University, with research spanning sports economics, community and economic development, and social determinants of health. He holds a PhD in Business/Managerial Economics from Lehigh University. If you're covering the economics of hosting major sporting events, public subsidies for host cities, or the gap between projected and actual tourism impact, Dr. Medcalfe is available for comment. Click on the contact button in his profile below.