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Finding mental health resources in a small town can be a challenge, and in a time when more people are isolated inside their homes, that support is more important than ever before.“I’m 28 years old. I deal with depression. I have bipolar disorder, I have epilepsy, I’m schizophrenic, and I have multiple personalities,” said Sam, a father who meets with a group from the Mental Health Center in Hagerstown each week to help him get his symptoms under control.Sam is one of several adults struggling with mental health disorders who come from all over a rural Maryland county to heal as a group.“We are kind of a beacon of light for others who need help,” said Tamara Warfield, the Adult Psychiatric Rehabilitation Program manager.That help is offering a support system in places where people are geographically isolated, making their symptoms even tougher to deal with.“It’s hard getting the help that you need when you have mental health issues,” said Sam. “If it wasn’t for this group, I wouldn’t be out in the community. I would be home, not doing anything.”Finding connection is not only key to helping these men and women overcome their mental health symptoms, but it’s also key to overcoming the stigma they face every day—a stigma that’s often harsher in rural communities.“We want to be treated like everybody else, not like we’re stupid or special,” said Sam. “We just want to be treated like a regular person—to go out and communicate with people, make friends with people.”“We help folks that have cancer or any type of physical disorder, so why shouldn’t we reach out to those who have a mental illness? It’s no different,” said Warfield.Health care workers in smaller communities already deal with fewer resources. But for mental health treatment, it’s even tougher. There is a shortage of mental health care workers in rural communities, fewer transportation options to get to services, and more widespread poverty.The U.S. Department of Health and Human Services said these factors combined contribute to the suicide rate being nearly twice as high in the most rural counties compared to urban areas.“If you don’t have those basic needs like housing food, and finances, you’re not going to be able to care for your mental health. You’re just trying to survive to get to the next day,” said Warfield.Warfield and her team at the Mental Health Center are doing everything they can to fight that statistic by providing transportation to services and doing telehealth visits during the pandemic. However, there's always the fear they won’t be enough.“I’ve seen so many folks come in who have hit rock bottom,” said Warfield. “They haven’t had services in so long their symptoms are taking over and they can barely function.”To those Warfield does see, her help is not just life-saving, it’s life-starting.“I never finished school because of my mental health issues, but right now I’m working on getting my GED, so that I can be a better person for my kids," Sam said. "And that’s one of my big goals is being a better person for my kids, for my family, and they’re helping me with that. They’re helping me be a better person."If you'd like resources to help improve your mental health, click HERE. 3216

For those would-be investors wanting to jump into the stock market but wondering which stock to buy, legendary investor Warren Buffett has a suggestion: Try buying 500 stocks instead.“In my view, for most people, the best thing to do is own the S&P 500 index fund,” Buffett said at Berkshire Hathaway’s annual meeting in May. But what is the S&P 500, and how do you invest in one of its funds?Here’s an intro to how S&P 500 funds work, and whether one might be a good fit for your portfolio.What is the S&P 500?The S&P 500, or S&P, is a stock market index comprising shares of 500 large, industry-leading U.S. companies. It is widely followed and often considered a proxy for the overall health of the U.S. stock market.Standard & Poor’s, an American investment information service, created the index in 1957. Every quarter, its investment committee meets to review which stocks belong in the index based on each company’s market size, liquidity and group representation. Today, 505 stocks constitute the index, since some of the 500 companies have more than one class of shares.Contrary to popular belief, the stocks forming the index are not the 500 biggest U.S. companies, but they are arguably the 500 most important companies. Over .2 trillion is invested through the index, with these 505 stocks representing about 80% of the total U.S. stock market’s value.The S&P 500 is a cap-weighted index, meaning each stock within the index is weighted according to its market capitalization, or total market value (number of outstanding shares multiplied by current market price). The larger the company, the greater its influence on the index.As of Aug. 31, 2020, these are the top 10 companies by index weight in the S&P 500:Apple.Microsoft.Amazon.Facebook.Alphabet, Google’s parent company (shares in classes A and C).Berkshire Hathaway.Johnson & Johnson.Visa.Procter & Gamble.How do you invest in the S&P 500?An index is a measure of its underlying stocks’ performance, so you cannot directly invest in the index itself. Buying every company’s shares would be an arduous task (think 505 separate transactions), but thankfully there are index funds and exchange-traded funds, or ETFs, that replicate the index, effectively doing that work for you.While all S&P 500 funds track the holdings of this index, an investor must consider whether using an index fund (a passively managed mutual fund) or an ETF makes the most sense for them. The good news when weighing index funds versus ETFs is that there are solid S&P 500 options in each category, and all of these products leverage the diversity of the index itself.Because the S&P 500 is weighted by each company’s market capitalization, the larger companies in the index can sometimes have an outsize impact on the performance of the larger index. In other words, a big dip in price for Apple shares can create a dip in the index as a whole. Because of this, some investors prefer to purchase the S&P 500 in an equal-weighted format, so that each company has the same impact on the index. This is meant to create an index that is more representative of the overall U.S. market.After deciding your preference for an index fund or ETF, cap-weighted or equal-weighted, you can begin narrowing down which S&P 500 fund to purchase. To minimize your costs, look into each fund’s expense ratio — the percentage of your assets you’ll pay in fees each year — to see how they compare.Fees are important here since all of these funds track the same index, which means their returns should be roughly the same. The lower the fee, the more of that return you keep.Should you invest in the S&P 500?There are a number of things to think about before you choose any investment. But an S&P fund can generally be a good choice if you want to add broad exposure to the U.S. stock market to your portfolio.“The S&P 500 is a key part of a diversified investing strategy because it’s a good bet that the U.S. economy will continue to succeed and grow in the long term,” says Tony Molina, senior product manager at Wealthfront. The U.S. has the largest economy and stock market in the world, and is one of the most resilient and active, especially when it comes to innovation. That’s why it’s a no-brainer to include the S&P 500 as part of your portfolio.”Larger companies are generally more stable to invest in because they are well-established and widely followed. Thus, these stocks usually have less risk and lower volatility. The S&P 500 combines large companies across various industries, so investors access a broad, diversified mix of companies when investing in it.Choosing an index fund or ETF can also help investors avoid — or at least minimize — the behavioral pitfalls from stock-picking, which is a losing strategy, says Dejan Ilijevski, president of Sabela Capital Markets.Ilijevski cites the May 2018 study by professor Hendrik Bessembinder at Arizona State University, which examined investments in publicly traded U.S. stocks between 1926 and 2016 and found that just over 4% of the companies accounted for the total wealth created.“Picking those few individual winners is impossible,” Ilijevski says. “Your best bet is to own as much of the market with a fund that tracks the index.”Using index funds and ETFs can help investors generate strong returns while also minimizing their costs, says Kevin Koehler, chartered financial analyst and director of the investment strategy group at Miracle Mile Advisors in Los Angeles.“Investing in the S&P 500 the past 25 years would have given an investor over a 10% annualized return, proving that an investor does not need to be paying high expenses to get good market returns,” Koehler says.Are there drawbacks to investing in the S&P 500?There are caveats to consider. The S&P 500 consists of only large-cap U.S. stocks. Portfolio diversification encompasses buying mid- and small-cap companies along with large-caps; allocating funds to international companies along with domestic ones; and including bonds, cash and potentially other asset classes with stocks.Koehler also notes drawbacks in the S&P 500 related to its market-cap weighting.“As passive investing increases, investors are continually investing in S&P 500 funds, which has contributed to a ‘rich get richer’ problem, where the largest stocks are getting larger due to S&P 500 investing, rather than individual stock investing,” Koehler says. “This can lead to higher volatility, as active managers sell an individual stock on top of index funds selling a portion. The market could continuously be overvalued compared to its underlying value.”But relative to the downsides of many investment types, the flaws of S&P 500 funds seem relatively minor, especially when used as a part of your overall portfolio and held for the longer term. This helps explain why icons like Buffett have so publicly endorsed them.“I happen to believe that Berkshire is about as solid as any single investment can be, in terms of earning reasonable returns over time,” said Buffett at the May meeting, speaking about the investing company he’s turned into an empire. “But, I would not want to bet my life on whether we beat the S&P 500 over the next 10 years.”More From NerdWallet4 Ways Women Can Invest in Other WomenHow the Pros Ride Market Volatility — and Why You Shouldn’tIf Doing Less Means Saving More, Try These 5 Money MovesTiffany Lam-Balfour is a writer at NerdWallet. Email: tlambalfour@nerdwallet.com. 7573

Five people were taken to the hospital after an explosion caused a two-alarm fire late Wednesday night in Tucson, Arizona.  136

For the first time in three decades, Best Buy has a new logo.The electronics store launched its new-look logo Wednesday to make it "more modern and easier to read, especially in today's digital world.""The updated logo is true to our heritage, but it's really cleaned up," said Best Buy chief marketing officer Whit Alexander, in a statement. "It's an evolution toward the future, and we're excited about that."The redesigned Best Buy logo still features a yellow tag, but the words "Best Buy" have been pulled out of the tag, and the tag has been shrunk.The new logo is already in use on the Best Buy website and Twitter account. The company said it's also being featured in advertising, and it will soon appear on uniforms, shopping bags, and signs.Best Buy is expected to report quarterly earnings on May 24.  825

For the first time, ever, Hallmark will feature a same-sex couple tying the knot."Wedding Every Weekend" is about two friends who go to four weddings, four weekends in a row. One of the weddings they attend is of a lesbian couple tying the knot.But not everyone is looking forward to the upcoming scripted nuptials.Conservative group One Million Moms created a petition asking for its supporters to boycott the channel. "The once conservative network has recently caved to LGBTQ pressure and has done a one-eighty from the wholesome content the channel once aired, and the network is now catering to the Left," the petition reads. "So many people feel betrayed by Hallmark over these past seven months. Hallmark Channel was one of the remaining channels that families could watch without being bombarded by politically correct commercials and the LGBTQ agenda."Over 60,000 people have signed the petition."Wedding Every Weekend" premieres Saturday at 8 p.m. CT on the Hallmark Channel. 993

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