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Friday, Oct. 16 has been dubbed Global Cat Day, a day dedicated to saving cats and kittens from being killed.This comes at a time when many longstanding threats to felines have the potential to race forward, according to Alley Cat Allies.The organization dedicated to protecting cats says local shelters have seen an increase in impoundments as the pandemic continues to hit families financially, leaving them unable to care for their beloved animals."Too often, our disconnect from society during the pandemic is allowing dangerous animal control and shelter policies to advance unchecked in our communities,” said the organization’s president, Becky Robin son. “Global Cat Day is a reminder that the international movement to protect cats can never stop, even when so much of the world does."In addition to families turning over their felines, the organization says less cats are being spayed or neutered due to many veterinary clinics operating at reduced capacity.Robinson said these developments will impact cats for years to come.“Global Cat Day 2020 is a day to c

Former President Barack Obama on Wednesday announced his first wave of endorsements for Democratic candidates vying for elected positions up and down the ballot this November.Obama endorsed 81 people for this first wave and is expected to endorse more ahead of the midterm elections. His office said Wednesday that the former president is also expected to campaign in several states for 2018 candidates.His endorsement list includes several people in high-profile races, including Gavin Newsom for governor of California, Stacey Abrams for governor of Georgia and Jacky Rosen for US Senate in Nevada.Former Obama administration officials and campaign alumni were among those who snagged Obama's backing. They include Colin Allred, Andrew Kim, Tom Malinowski, Lauren Underwood, Richard Cordray and Jill Schiller.Obama said in a statement that he is "proud to endorse such a wide and impressive array of Democratic candidates -- leaders as diverse, patriotic, and big-hearted as the America they're running to represent.""I'm confident that, together, they'll strengthen this country we love by restoring opportunity that's broadly shared, repairing our alliances and standing in the world, and upholding our fundamental commitment to justice, fairness, responsibility, and the rule of law," he continued.The 2018 midterms, now less than 100 days away, are largely seen as a referendum on President Donald Trump's first two years in office.Democrats need a net gain of 23 seats to wrest control of the House from Republicans. They need a net gain of two seats to take a Senate majority, although the path to get to that number is difficult.The endorsements add to other recent post-presidential efforts by Obama to shape the political landscape. 1751

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

For companies hiring right now, ensuring you're hiring the most qualified candidate can be tricky. The COVID-19 pandemic has changed the way businesses approach hiring and are forcing them to recruit remotely. "Everything we’ve always done previously has been in person. It’s always been encouraged to do in-person, face-to-face communication. From a job seeker's perspective, obviously, it helps to be in-person and kind of take their facial cues and whatnot, so we really had to change everything we were doing," says Erik Cherkaski with the Fresno Regional Workforce Development Board. Cherkaski says one of his main jobs is to recruit employees for local businesses. Because of the pandemic, their recruiting services are now virtual. Recently, the organization has been holding virtual job fairs for a number of large employers."I think one day we had logistics, so we had some of our local fulfillment centers on. Another day we had the service industry on, so some of the local retailers that were doing mass hiring [participated]. Then, we had a focus on government, as well. So, some of the local and state organizations that were doing some hiring and we had some very good turnout. This was new territory for us," said Cherkaski.Employers held virtual presentations for candidates who tuned in using online meeting platforms like Zoom and Webex. "It was very engaging. We got good feedback from our employers and we are looking to do it again. So that was very positive for us to see that we can do something like this online," said Cherkaski.College students and recent graduates are also finding their first career move by participating in online events. Handshake, which helps connect more than 500,000 employers with college students looking for a job or internship, says it's expanding it's virtual services to accommodate universities who've put their in-person career fairs on hold."There are a lot of opportunities that do still exist even with the change in the economy this particular year. We have so many students across so many different walks of life that are looking in for those opportunities to be able to just jump start their career," said Christine Cruzvergara, with Handshake. To help, Handshake created a new virtual engagement module."That is going to allow employers to be able to actually segment, campaign and reach out to candidates that meet the different criteria and qualifications that they are looking for, across all of our thousands of universities and colleges. They can go beyond the basic qualifications in a virtual fair to be even more tailored around, for example, some of their DEI requirements or their goals," said Cruzvergara.Handshake hopes the new tools not only help employers narrow down the types of students they want to hire, but also helps students. "It's going to allow students to maximize the time they do have in between classes or in-between their part time jobs or things they might be doing other responsibilities or obligations they have," said Cruzvergara.As for how long Fresno Regional Workforce Development Board will be holding their recruiting events virtually, Cherkaski said, "if you were to have asked me this four months ago I would have said, Oh this isn’t going to go on too long but now we're four months in and I suspect were going to be doing this for the foreseeable future."Both Fresno Regional Workforce Development Board and Handshake believe even when COVID-19 restrictions are lifted completely, employers will still want to use virtual recruiting events to widen their candidate search.Editor's note: An earlier version of this story incorrectly identified Christine Cruzvergara's last name. 3693

Ford has sold cars for more than century. But it's embracing drones to broaden its mission for the future.In a blog post published late Wednesday, the company revealed it has a team in Silicon Valley researching how drones could fit into its business.The move is part of a greater effort to transition into a mobility company -- one that draws upon all elements of transportation, from cars and buses to bikes and now drones."As drone adoption accelerates, we think many of our customers will want to use these devices as part of their lifestyle, whether to pursue hobbies or even as a tool for their business," wrote Adi Singh, Ford's principal drone scientist.He expects drones to one day deliver packages and perhaps even people.However, specific plans for how Ford will incorporate drones into its business and vehicles hasn't yet been determined.Although it may seem like an unlikely move for the company, Ford has shown an interest in drones since 2016. In fact, it is also the only automaker to sit on the FAA's aviation rulemaking committee.But that's not to say Ford is the only car company to express the same interest. In 2016, Mercedes-Benz pledged to invest 0 million in delivery robots and drones. It previously demoed a prototype van that launched drones from its roof to make deliveries.Before automated drones deliver goods to our homes, governments will need to be convinced they're safe and trustworthy. One hot topic is making sure law enforcement can remotely identify suspicious drones. Ford revealed in its recent blog post it has developed its own system for identifying drones, and offered it to the FAA."It's not enough for my team to just create the next big solution and create fancy drones and put them in vehicles," Singh told CNN. "We need to work toward a system where that kind of integration is scalable."  1856

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