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Fiat Chrysler is recalling 4.8 million vehicles over an issue that could prevent drivers from turning off cruise control.Only one incident related to the malfunction has been reported to Fiat Chrysler, and there are no reported injuries.The issue can be triggered when a driver taps on the gas pedal while cruise control is activated, the company said, potentially causing a short circuit.Related: Why the auto tariffs would be bad for AmericaWhen that happens, the vehicle can become locked in cruise control. The typical methods for exiting cruise control — tapping on the brakes or hitting the designated switch — can stop working. However, drivers would still be able to slow down or stop their vehicles by hitting the brakes, shifting into neutral or both.FCA is asking owners of the recalled vehicles to bring them into dealerships for a no-cost software update that can prevent the short circuit. In the meantime, the company is advising drivers of the involved vehicles to avoid using cruise control.The models covered under the recall include:2015-17 Chrysler 200 sedan2014-18 Chrysler 300 sedan2017-18 Chrysler Pacifica minivan 1145

For 11 days, as a series of women testified that Bill Cosby had drugged and sexually assaulted them, the comedian's wife, Camille, stayed away.But on Tuesday, she made her first appearance as his lawyers presented closing arguments in Cosby's retrial on three counts of aggravated indecent assault. Camille Cosby, in a flowing orange-and-white jacket, smiled as she held her husband's arm and walked from an SUV to the Montgomery County Courthouse in Norristown, Pennsylvania.Bill Cosby wore a dark suit as the couple, escorted by court officers, declined to comment.Cosby has pleaded not guilty. This is the comedian's second trial after jurors failed to reach a unanimous verdict in the first case.The core of the case against Cosby comes from Andrea Constand, who says Cosby drugged her and then assaulted her at his home in January 2004. Constand worked for the Temple University women's basketball team at the time, and Cosby, a Temple trustee, mentored her and then betrayed that trust, she testified. 1015

FREEPORT, NY. – Every weekend outside her church, Shelley Brazely sets up her table. Her mission is to make sure anyone in her community who wants to vote, can.“Too many people sacrificed too much in this country for us to vote, and we just want to make sure that every vote counts,” said Brazely, the President of the Social Action Ministry at the Zion Cathedral in Freeport, New York.Brazely said the community’s votes are especially important because the neighborhood has a history of struggling.“Nassau County, which is one of the richest counties in the country, has pockets of poverty and disenfranchisement that is unbelievable,” said Brazely. “Hempstead, Freeport, Roosevelt, we’re considered the black belt, and those are the areas that have the hardest time,” said Brazely.Brazely is fighting this by signing anyone up for an absentee ballot who wants one. She is personally delivering each ballot to the board of elections to make sure each is filled out correctly.“A lot of people are disqualified because there are two envelopes,” explained Brazely. “They don’t check what needs to be checked, and those are disqualified.”It’s a big effort for one person to make, taking dozens of hours per week, but Brazely wants her community to feel comfortable voting, especially because so many people are worried about mailing in their ballots.“There will be no postal office. We won't be dealing at all with that. We will securely pick up the information and drop it off,” said Brazely. “We don't want anybody to feel the hopelessness that a lot of these rumors will cause.”She said the rumors and misinformation about the security of the U.S. Postal Service weigh heavily on those she helps.“I was a little worried to mail it out myself,” said Jerrod Atkinson who is having Brazely drop off his ballot. “I wanted it to go directly to the board of elections, so it wouldn’t get lost.”Odessa Hill is a senior who isn’t able to drive and is filling out an absentee ballot with Brazely. She said this opportunity gives her peace of mind.“Every day, I get a text that the post office might be closed, but I know that this church will cover it,” she said.This church is invested in much more than worship and has been a community staple for more than 90 years.“The church really has always been involved in the real-life drama and struggle of our community,” said Pastor Frank White.Pastor White and Shelley Brazely are teaming up to make sure their community knows they can lean on the church for any help—whether that’s in the pews or at the polls. White said it’s an opportunity to keep hope alive.“Without hope, life fades very quickly…dreams die,” said Pastor White. “I am a prisoner of hope. I can never stop believing, and it becomes my job as well as many other voices to be that trumpet of truth and to be a shining light and to help the downtrodden, and the disenfranchised.”He and Brazely know that togetherness is the first step in keeping hope for change alive.For Brazely, making all the trips to and from the board of elections is just the start of her fight. She is building resource kits to help other churches set up a similar system.“This is not just a one-time ‘We get people to vote.’ This is the beginning of a movement,” said Brazely.A movement for representation, for trust, and as Brazely said “of building the total community.”If you'd like to find out more about Brazely's work and set something similar up for your own church, contact the church HERE. 3486

Following Bill Clinton’s sharp rebuke of President Donald Trump Tuesday evening, Barack Obama gave his sharpest scolding of Trump since inauguration day.In Obama’s speech he delivered Wednesday at the Democratic National Convention, Obama lashed Trump for his approach to the presidency.“I did hope, for the sake of our country, that Donald Trump might show some interest in taking the job seriously; that he might come to feel the weight of the office and discover some reverence for the democracy that had been placed in his care,” Obama said.“But he never did. He’s shown no interest in putting in the work; no interest in finding common ground; no interest in using the awesome power of his office to help anyone but himself and his friends; no interest in treating the presidency as anything but one more reality show that he can use to get the attention he craves.”Obama, who was largely silent during the first three years of Trump’s tenure, has become more vocal during this election year. While generally avoiding direct shots at Trump, Obama has prodded Trump for his handling of a number of situations. But his speech Wednesday went as the sharpest reproach Obama has delivered on Trump.“Donald Trump hasn’t grown into the job because he can’t,” Obama said. “And the consequences of that failure are severe. 170,000 Americans dead. Millions of jobs gone. Our worst impulses unleashed, our proud reputation around the world badly diminished, and our democratic institutions threatened like never before.”Trump, who got word late Wednesday of Obama’s censure, responded in kind.“When I listen to this and see the horror that he left us, the stupidity of the transactions that he has made. Look what we are doing,” Trump said. Trump continued by boasting about building the border wall and improving the economy since Obama left office."“President Obama did not do a good job,” Trump added. “The reason I am here is because President Obama and Joe Biden, because if they did a good job, I would not be here. Probably if they did a good job, I would not have even run. I would've been very happy.” 2113

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