jaime: a dos semanas del ataque, el hispano enrique mÁrquez fue acusado por el fiscal federal de conspirarctos terroristas. seÑala que mÁrquez habrÍa suministrado personal, armas y explosivos, sin embargo los actos no se llevaron a cabo. autoridad: conspirar es un delito en sÍ, el delito actual es el hecho de hacer un acuerdo indebido, ilegal. jaime: de acuerdo con el asesinato de 14 personas y 21 heridos de saber bernardino, marquÉs fue acusado de comprar los dos rifles semiautomÁticos que fueron utilizados en la masacre. autoridad: comprÓ pólvora ademÁs para co a construir bombas. jaime: enrique mÁrquez llamÓ a la lÍnea de emergencia 911, cuya operadora le preguntÓ lo que pasaba. despuÉs de exclamar una mala palabra, vÁsquez respondiÓ, Él usÓ mi arma para el tiroteo, dice que uso mi alma, interrogÓ la operadora. mÁrquez respondiÓ, sÍ, dios mío. en su primera comparecencia ante la corte, en la que solamente se leyeron sus derechos el hispano, quien estaba esposado se mostrÓ serio. a veces inquieta y otras cabizbajo. no se leyeron los cargos, en donde se asegura haber cometido fraude al ca

according to the criminal complaint, farook introduced enrique marquez to islam, and enrique marquez nverted in 2007. prosecutors say that syed farook then began introducing mr. marquez to "radical islamic ideology" including the teachings of radical american cleric anwar al awlaki. enrique marquez allegedly told investigators that both he and syed farook together plotted terrorist attacks in late 2011. they planned to attack riverside community college, where they both had been students. they planned that attack with pipe bombs and guns. they specifically, according to the complaint, planned to escape from the attack and then conduct a follow-on attack at another location. the criminal complaint says they talked about throwing pipe bombs to stop traffic on a crowded section of a state highway in rush hour. and then they planned to shoot people who were stuck in their cars in that traffic jam that they had caused. police say enrique marquez and syed farook continued to plan for terror attacks by going to firing ranges to become better shots, but reportedly, again, according to the com

continÚan recabando la informaciÓn, todavÍa no deciden si presentarÁn o no cargos en contra de enrique mÁrquez. enrique: poco a poco las autoridades han logrado trazar la ruta hacia la revitalizaciÓn de la pareja responsable del atentado en san bernardino. el acceso a comunicaciones personales y su huella digital han permitido establecer los vÍnculos con organizaciones terroristas y un plan frustrado para realizar otro atentado en 2012. jaime garcÍa tiene los detalles. jaime: el director del fbi revelÓ hoy que tanto el hombre como su esposa se radicalizaron con el extremismo islÁmico por separado y tiempo antes de conocerse. nuevas informaciones tambiÉn seÑala que farud habÍa planeado un alto terrorista desde el 2012 con su vecino enrique mÁrquez. el hispano que se habÍa convertido al islam, quien fue interrogado por el fbi. dijo que en el aÑo 2013 faruk y milik conversaban sobre la red de rally religiosa para el exterminio de los musulmanes, asÍ como el sacrificio sus propias vidas para lograrlo. malik se radicalizÓ antes de emigrar a los estados unidos, dijo. fue detectado por oficiales que

marÍa: investigadores federales creen que entre 2011 y 2012 justo cuando enrique mÁrquez se convertÍa amigo de infancia y vecino pidiÓ que comprara los 2 rifles de

se confirmÓ que enrique mÁrquez es sido interrogado desde el domingo pasado, y que estÁ cooperando con apareciera en los registros. se podrÍa presentar cargos, sin especificar cuales. el inicio del interrogatorio de enrique mÁrquez se retrasÓ, porque el amigo de sayet ser interno en un hospital psiquiÁtrico. enrique: la propuesta de donald trump para prohibir la entrada de musulmanes el paÍs ha disparado fuertes crÍticas en su contra de cualquier lado del pasillo polÍtico. la polÉmica ha detonado la discusiÓn sobre la posibilidad de que trump decÍa que lanzarse sobre candidato independiente. el magnate dio una entrevista y juan carlos aguiar tiene los detalles.. juan carlos: dos al trump reafirmÓ su llamado a cerrar completamente la entrada de musulmanes a estados unidos, al menos mientras se determina lo que sucederÁ realmente alrededor de los ataques musulmanes del estado islÁmico. lo hizo con ana walters de la cadena nbc. donald trump: tenemos que ser fuertes, vigilantes. juan carlos: el rechazo ha sido contundente, incluso en el interior del partido republicano. donald trump: lo qu

se llama enrique mÁrquez el fbi investiga si fue cÓmplice de la masacre en la que murieron 14 personassan bernardino, california. al mismo tiempo las autoridades quienes saber uno de los cÓmo uno de los atacantes pudo traer a su novia desde arabia saudita y a nadie le parece sospechoso. juan carlos: por primera vez que se supo desde que se debe que enrique mÁrquez tenÍa que ver con los autores de la matanza en san bernardino, su mamÁ hablÓ con la condición de que los Álamos su imagen en cÁmara. >> mi hijo es muy buena persona, por confiado pasÓ eso, entiendan por buena persona. juan carlos: agregÓ que estos han sido los peores dÍas de su vida. >> es la primera vez que paso por algo asÍ. he estado con mucha presiÓn y represión,

enrique marquez, el hispano que confeso haber ♪ ♪ mariana : enrique mÁrquez, el hispano que confesÓ haber no darle fianza a enrique mÁrquez, era amigo de syed farook uno de los dos autores en san bernardino, dejÓ mÁs de 14 muertos y 20 heridos, ademÁs de casarse con una inmigrante rusa para arreglarle la estancia en estados unidos. (hablando en inglÉs) al salir de la corte, el abogado pÚblico de mÁrquez, dijo no tener comentarios de la decisiÓn del juez, de negarle la fianza, por ser peligroso para la sociedad >> cuando uno es parte de la conspiraciÓn de terrorismo, no importa si la persona disparÓ los tiros Él es culpable de todos los actos cometido por eso la conspiraciÓn. periodista: enrique mÁrquez se mostrÓ en unos montes con una leve sonrisa, otras veces sereno, y en otros momentos permanecÍa cabizbajo. la mamÁ y el hermano de marquez estuvieron presentes cuando el juez diÓ la decision, mÁrquez volverÁ a la corte el 4 de enero podrÍa pasar hasta 15 aÑos en prisiÓn. es toda la informacion, regresamos a los estudios. mariana: no seguirÁ el senador en la carrera, dice que seguÍa en pie

we didn't think nothing of it. >> but michael stone also told abc that enrique marquez was drunk when he said that. now, officials caution marquez's story about the 2012 plot could be an attempt to deflect his role in helping buy the rifles used in the san bernardino attack. enrique marquez could not be reached for comment. and so far no attorney for him has come forward. he has waived his miranda rights and is cooperating with investigators, wolf. >> brian, you're also learning a little more about marquez's time at that mosque out in california. >> that's right, wolf. a manager at the islam society of corona told cnn that marquez had attended sermons by himself for a while, but then he says marquez stopped coming to the mosque about two years ago. when this manager later asked marquez why he stopped, marquez said simply he'd been busy. >> brian todd reporting for us. thank you. let's go to san bernardino right now where new information is emerging about the husband and wife terrorist who carried out the mass murder. cnn's kyung lah is out there for us. investigators now revealing new

asked why, marquez said: enrique marquez: i don't know. my neighbor. he did the san bernardino shooting. the (expletive) used my gun in the shooting. tag: marquez is being held in a downtown l-a detention center - chase has being going on for a few minutes now - at least four cars in pursuit right now.. north las vegas police are trying to track down the man in this surveillance photo.. who they say has robbed 7 and during one of those robbers.. someone was shot. that person is still recovering from gunshot wounds at umc. the ssspect is described as a man in his 20's.. about 5'5". if you think you've seen him.. call police right away. an update on a contact 13 investigation that's been ongoing for months.. april parks.. an embattled private guardian police.. is now facing more problems. parks is accused of abusing her power and exploiting the people she's court- appointed to protect. while police look for evidence that could lead to criminal charges.. parks now faces disciplinary action for violating national standards. the center for guardianship certi

your reaction to this new development, the arrest of enrique marquez? l see the arrest coming. to me it says that investigators have gotten as much information from marquez as they were likely to get and it was time to move forward with charges. i was struck by something i saw in the complaint, that they've charged marquez with obtaining some of the explosive powder that they believed may have been in the pipe bomb placed at the regional center right during the attack. so these are some pretty damning charges. and also to learn the details of these prior plots is very chilling. >> one of the prior plots we're looking at it right now, to attack a community college in california. you are from california. a state highway during rush hour. as we reported back in 2011. i assume this information came directly from marquez, what waived his miranda rights and was talking to law enforcement. >> i think that's exactly right. and i think what the bureau has been doing since he began to cooperate is trying to chase down the leads that he has been providing, trying t

enrique mÁrquez no ha sido arrestado. del condado de san bernardino tras la masacre del 2 de diciembre, mientras tanto, los familiares de las personas que murieron agradecieron a la comunidad por el apoyo en esos dÍas tan difíciles. norma roque nos cuenta mÁs. padre: los dÍas felices, nos reunÍamos para su cumpleaÑos. norma: es el mayor tesoro que guarda de su hija, aurora godoy de 26 aÑos. madre: triste, agobiada, alves es inÚtil, quiero hacer mÁs. norma: en el dÍa que la mayorÍa de oficinas abrieron para volver a la normalidad, godoy no regresarÁ a su trabajo, porque ella es la vÍctima mÁs joven de las 14 que murieron en los ataques terroristas del 2 de diciembre. funcionarÁ: incluir en los edificios modos de seguridad para que los empleados se puedan sentir mÁs seguros. norma: los empleados blancos de la masacre estarÁn fuera una de norma: los empleados blancos de la masacre estarÁn fuera una de las semanas +1 semana mÁs. contarÁn con ayuda psicolÓgica los empleados. una de las emergencias mÁs horror eficaz que hayamos

cnn's kyung lah is live with the latest. >> reporter: enrique marquez faces three charges, visa and marriage charges and material support to terrorism. according to a federal complaint, marquez and syed rizwan farook plotting as recently as four years ago to attack a couple of locations in southern california. a cafeteria and community college in riverside. they planned to drop bombs on the freeway during rush hour. and marquez bought powder found in undetonated bombs found in the room in the san bernardino massacre. marquez will have another court appearance next week. alison and boris. >> thank you. kyung lah. >>> the victims and families will meet with president obama at a private event. this is part of a week long push on national security and terrorism issues. on thursday, president obama went to the terrorism center in virginia. let's bring in jim acosta with the latest. jim. >> reporter: alison and boris, it was one more attempted show of strength from president obama as he vowed to keep the nation safe from the terrorist and lone wolf terrorists. there is no current or specific threa

enrique marquez purchased the two assaults that you receive. e have the paperwork documenting those purchases as well. right now, our major concern the fbi, atf and the doj is determining how the rifles got from marquez to farook and malik. the firearms are at the fbi laboratory where the fbi is performing forensic examination on them. after that forensic examination is done, we'll do a complete and thorough examination of just exactly what these firearms are. quite now i'm gonna turn it over to the chief who will address other issues pending in the matter. >> good afternoon, everyone. i'm gonna talk about local response and what's going on in the city of san bernardino as well as the region. >> everybody saw what happened in the city of riverside, what was believed to be an active shooter incident. i think that's indicative of the fact that people are on edge and people are extra cautious. that's good. people are asking people to do that. the massive response came as a result of law enforcement, stepping up their patrols and presence inspect re

juan carlos: otro matrimonio que tambiÉn ha despertado sospechas es el de enrique mÁrquez vecino y amigos armas utilizadas en el ataque. hay una joven rusa y la pareja no vive junto lo cual nos confirmÓ que es amiga de enrique. nunca confirmÓ por quÉ no viv'vi dijo que no tenÍa marín el dinero para poder mantenerla? abogado: en el acta de matrimonio se indica que los dos estaban viviendo separados esta es una seÑal alarmante, una seÑal que quizÁs esta pareja entrÓ en el matrimonio por propÓsitos de intereses inmigratorios y esto va a abrir las puertas a mÁs investigaciÓn. se cree que entrÓ al paÍs con una visa tipo j1que entre otras cosas se da a los estudiantes que vienen el intercambio. en cuanto al paradero de enrique mÁrquez sigue siendo un misterio que tiene su propia familia, segÚn nos confirmÓ su mamÁ sabe dÓnde se encuentra si presume que sigue siendo interrogado por las autoridades que no han decidido si presentarÁn cargos o no. en riverside california, con carlos gonzÁlez, univisiÓn. jorge: la gran pregunta de si los autores de la masacre de california autor por su cuenta a nom

juan carlos: enrique mÁrquez de origen hispano recibiÓ hoy: cargos que se suman a los que ya enfrentabactos terroristas. segÚn un jurado investigador, mÁrquez amigo y vecino de syed farook habÍa entregado informaciÓn falsa entre 2012, dos fusiles m 15 usados en la masacre de san bernardino el pasado 2 de diciembre que costÓ la vida a 14 personas. segÚn la acusaciÓn tambiÉn habÍa engaÑado a las autoridades migratorias acerca de su matrimonio con una mujer de origen ruso. familiar de farook a quien estarÍa interesado en ayudar a tener su residencia legal en estados unidos. con estos son cinco cargos que enfrenta, por los que podrÍa enfrentar cinco aÑos de cÁrcel si es declarado culpable. syed farook y su esposa tashfeen malik murieron al enfrentar a la policÍa horas despuÉs del segmento ataque. fue capturado dÍas despuÉs por agentes del fbi. la acusaciÓn incluye que enrique mÁrquez y syed farook planearon atacar personas inocentes en autopista 91 al sur de california y en riverside. lo que nunca realizaron. arantxa: esta noche 17 millones de residentes que viven cerca del rÍo mississippi

periodista: por primera vez desde que su supo que enrique mÁrquez tenÍa que ver con los autores de la su mamÁ hablÓ, pero con la condiciÓn que su imagen no (aplausoap mi hijo es muy bueno! yo no sÉ cÓmo manejar esta situaciÓn. periodista: una de las interrogantes es si el matrimonio de syed farook y fue legÍtimo. Él es estadounidense y ella es de pakistÁn >> la visa es cuando pueden entrar una comprometida al paÍs. periodista: otro matrimonio que tambiÉn ha provocado sospechas es de enrique mÁrquez, vecino de syed farook y estÁ casado con una joven rusa. ¿nunca te dijo por quÉ no vivÍa con ella? >> porque dijo que no tenÍa dinero para poder mantenerla, y entonces nos vivÍan juntos por ahorita. periodista: nunca los llegaron a ver juntos y pueden provocar sospechas de los especialistas en inmigraciÓn. >> se indica que estÁn viviendo superado y es una seÑal alarmante y es una seÑal que quizÁ estas pareja entrÓ en el matrimonio por propÓsito de interÉs, intereses de migraciÓn periodista: se cree que entrÓ al paÍs con una visa j 1 para los estudiantes que vienen en estudiantes. es toda la

. ♪ ♪ ♪ ♪ jueves 17 de diciembre, estas son las noticias, acusan de terrorismo a enrique mÁrquez.ientes serÍan strike estima de un neurÓlogo. google expresa frustraciÓn por pon ponerle baches al auto del futuro. comenzamos. ♪ ♪ locutor: este es su noticiero univisiÓn, con jorge llamas marÍa elena salinas. jorge: muy buenas noches, comenzamos con las amenazas de terrorismo contra enrique mÁrquez, quiÉn no solamente comprÓ los rifles, sino que tambiÉn conspirÓ con syed farook para realizar atentados terrorista que su no se realizaron y mentir por compras de arma y fraudes migratorios. jaime: autoridades arrestaron a enrique mÁrquez en san bernardino, por los disparos de la inmigrante inmigrante pakisÍ farook y cuando el hombre de 24 aÑos enviÓ el misterioso mensaje de facebook diciendo" lo siento mucho amigos, fue un placer" el hombre se habÍa convertido a la religiÓn musulmana, y se caso con una mujer rusa. esta tarde presentaron cargo de terrorismo en contra de mÁrquez, ademÁs por cometer fraude en un proceso migratorio. la semana pasada se realizÓ el funeral de tashfeen malik y s

marie: enrique marquez has gone from neighbor to suspect. the charges include conspiracy to commit crimes of terrorism federal agency in 2011, enrique marquez and save our route started planning to use firearms and explosives to carry out attacks. maximize the number of casualties that could be inflicted. enrique marquez has also reportedly purchased two assault rifles. >> if he is telling investigators that he purchased these weapons because he felt that if site for rukh did it would draw attention, he is a straw purchaser. marie: our attention returns to the victims. on friday, president obama will travel to sam bernadino -- san bernardino to meet the victims families. reed: a poll now underway on our website asks if you will arm yourself for protection or do you? yes or no? marie: the pharmaceutical ceo who jacked up the price of an aids drug by more than 5000% has been arrested. he was arrested this morning in fraud charges. the case focuses on his time as ceo of a biotech company. federal prosecutors says he used the companies cash and

is enrique marquez at the forecast to face serious charges of theyor. enrique marquez called 9-1-1 after the shooting spree, identifying syed farook as the killer, using his gun. the f.b.i. then raided enrique marquez's home soon after syed farook and his wife, tashfeen malik, opened fire killing 1 people at the colleague this will center. the two friends planned attacking a southern california community college and wanted to target drives stuck if rush hour traffic on a california freeway. byizing pipe bombs and then shooting drivers. plus, dating back to 2011, that never happened. >> he has provided a lot of detail abut the weapons, about possibly other attacked that were planned. >> weekends' shooting, friends say enrique marquez dropped hints of an attack. >> he would talk about there are so many secret cells. our president obama will make a trip to san bernardino today to meet with the victims and their families. >> we have prevailed over greater threats than this. >> appreciate him talking to the families. in will go a long way toward healing. >>

enrique mÁrquez se habrÍa internado en una clÍnica de california.el autor de la masacre de san bernardino era un extremista obsesionado con la destrucciÓn de israel. asÍ se describe a said, su padre en declaraciones a un periÓdico italiano. viviana: este hombre es vecina de daid, ambos compartÍan el interÉs por los carros y al leer las declaraciones a un medio de comunicaciÓn de la vida de su hijo dijo que toda la situaciÓn le parecÍa sub real. sostiene que se estaba separando de su esposa y por eso vivÍa con su otro hijo, y que los domingos tenÍan almuerzos familiares. pero noto que estos dos Últimos domingos no se reunieron. padre de said, autor de la masacre que dejÓ 14 muertos y varios heridos el pasado miÉrcoles, revelÓ a un periÓdico italiano que su hijo odiaba a israel y era activo en su posiciÓn a la existencia del estado de israel. esta maÑana en el altar que se ha levantado en el centro regional, quienes se enteraban expresaban sus opiniones. llamaba tambiÉn la atenciÓn las conversaciones que tenÍan padre e hijo, se paciente israel dejarÁ

enrique marquez purchased the weapons used to kill 14 people. charged with plotting other attacks with his long time friend, sayed farook. we have the details from los angeles. >> enrique marquez becomes the first person charged in connection with the mass shooting in san bernardino two weeks ago that killed 14 people. marquez, a friend and former neighbor was arrested and charged with three criminal counts. one of the counts alleges that he and farook conspired to commit an act of terrorism in 2011 and 2012. neither one of those acts were carried out, but the pair allegedly planned to attack a freeway during rush hour and the pair planned to attack the library or cafeteriad a riverside community college where they were both students at one time. a second time is the unlawful purchase which two assault weapons. these are the long guns, the rifles that were used during the deadly attack. the third charge claims that marquez defrauded immigration authorities by encaging in the so-called sham marriage of farook's family. the affidavit said four day

phil: chilling new details emerge about enrique marquez the bernardino shooter syed farook. he is facing several terror charges including purchasing the assault rifles used in the mass shooting and he is talking to investigators. enrique marquez was brought in the back of this via goal, appearing in handcuffs after 10 straight days of interrogation or a prosecutors say that he freely revealed that he and syed farook planned terror attacks the attacks involve students at the commuter college where they makes you feel on a. it' unsettling. phil: according to the federal complaint, syed farook persuaded marquez to convert to islam, radicalizing them by showing him online videos by al qaeda. life turned ridiculous, involved in terrorist lots, drugs, marriage, might go to prison for fraud, etc." and in the weeks before the attacks, marquez warned about what he called a terrorist sleeper cell. >> he said it' s going to be big. phil: in the hours before the attack, marcus called 911, enrique marquez is being held in a detention center until at least monday when he is scheduled to h

enrique marquez. he tells the fbi he and farook planned and dropped an earlier attack. officials cautioning that marquez may be lying for some reason to cover up his role buying the weapons. cnn's kyung lah has the latest from san bernardino. >> reporter: alison and christine, investigators are focusing on the man who purchased the weapons used. two long guns used in the san bernardino massacre. enrique marquez. officials telling cnn that marquez says that he and farook hatched a 2012 terror plot. they abandoned it because they got spooked. the fbi at that time had made another terror arrest. they gave up on the plan. marquez telling u.s. officials that he and farook had been radicalized as far as 2011. and there are new questions about the visa application process. how tashfeen malik, the wife, was able to enter the united states undetected. she applied for a fiancee visa in pakistan. now a senior state department official is telling cnn that malik was not questioned about her jihadist leanings. she h

enrique marquez bought the assault rifles for syed farook three or four years ago. enrique marquez is cooperating with the fbi and has not been charged. >>> now to the weather. the december down pour that took place in some parts of the bay area. video from social media. images are pouring in on social media of the rain. this is in san francisco. >> live team coverage of the stormy weather. cristina rendon will show us the problems but first chief meteorologist bill martin. >> yeah. good dose of rain today. not as much as we would like to see. north of here they got plenty of rain. san francisco, oakland, san jose quarter inch to half inch. we are seeing scattered showers right now as well. you see the lightning popping up. that is when the thunderstorms went through the north bay and east bay around 3:30 p.m. today. thunderstorms possible into the evening hours. radar now. light sprinkles showing up. activity just by the highway. going towards cedar's point. showers will be hit and miss for the next 3, 4 hours. and a chance of a thundershower. this area here, movin

details. >> reporter: more than two weeks after the terror attack in san bernardino, 24-year-old enrique marquez, a childhood friend of shooter syed farook is now behind bars. marquez arriving with the fbi late thuhursday at this federal courthouse in riverside, california, to face serious terror charges. authorities say four years ago marquez bought the two assault rifles used in the shooting. marquez himself called 911 after the shooting spree identifying farook as the killer useing h gun and the fbi raided marquez's apartment soon after the two opened fire killing 14 people at the inla regional center. investigators say the two initially planned attacking a southern california community college and wanted to target attack. >> he would just, you know, talk about how there's so many sleeper cells and when it happens it'll be big. >> reporter: president obama will make a trip to san bernardino today to meet with the victims and their families. >> we prevailed over much greater threats than this. >> i appreciate him coming and talking to the families and this is going to go a long way towards hea

details. >> reporter: more than two weeks after the terror attack in san bernardino, 24-year-old enrique marquez, a childhood friend of shooter syed farook is now behind bars. marquez arriving with the fbi late thursday at this federal courthouse in riverside, california, to face serious terror charges. authorities say four years ago rifles used in the shooting. marquez himself called 911 after the shooting spree identifying farook as the killer use ing his gun and the fbi raided marquez's apartment soon after the two opened fire killing 14 people at the inland regional center. investigators say the two initially planned attacking a southern california community college and wanted to target drivers in rush hour traffic on a california freeway by using pipe bombs and shooting drivers dating back to 2011 that never happened. >> he has provided them with a lot of detail about the weapons, about possibly other attacks planned, about conversations in particular with farook. >> reporter: weeks before the shooting, friends say marquez dropped hints of an impending attack. >> he would just, you know, ta

. >> vemos como enriques marquez júnior podría haber comprado los rifles usados en la masacre de sannardino. >> vi que a las 2 am le estaban gritando que se salgan con las manos arriba y salieron caminando para atrás y eran dos y las mujeres salieron después. >> los agentes buscan hablar con marquez júnior que vive justo

enrique marquez. officials tell cnn that marquez says that he and farook hatched a 2012 terror plot. they abandoned it because they got spooked. the fbi at that time made another terror arrest. marquez also telling u.s. officials that he and farook had been radicalized as far as 2011. there are questions about the visa application process. how the wife was able to enter the united states without being detected. she applied for a fiancee visa in pakistan. malik was not questioned about her jihadist leanings. she was already radicalized. alison, christine. >> thank you for that. the house will vote friday on the stop-gap spending bill to avoid a government shutdown. it will give lawmakers a few days to hammer out the deal. the negotiations are stalled because both parties are fighting over riders to the bill. president obama is threatening not to sign the bill tomorrow unless there is hard and fast agreement with procedure matters to clean up. >>> time for an early start on your money. stock markets down