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First Lady Melania Trump announced Monday that the new tennis court pavilion at the White House is completed, just six weeks before President-elect Joe Biden is expected to be sworn in as the 46th president of the United States.According to a White House press release, the project included renovating the existing tennis court and children's garden, as well as building the new pavilion, which was both "planned to blend with the existing structures on the White House grounds."The new building's design was inspired by the White House's existing architectural style, especially the East and West Wings, the first lady's office said."The colonnade, parapet wall, and fanlight windows tie the new building to the existing look and feel of the White House," the press release stated."I am pleased to announce the completion of the Tennis Pavilion on the White House grounds. Thank you to all of the talented craftsmen who made this project possible and to the generous supporters of the White House," said First Lady Melania Trump. "It is my hope that this private space will function as both a place of leisure and gathering for future First Families."Planning for the renovation began in early 2018. The Commission of Fine Arts and the National Capital Planning Commission approved the project in June 2019. Construction began that October.The White House says the project was paid for with private donations and did not disclose the cost. 1449

For the first time, a bill to legalize marijuana at the federal level will soon go to the floor of the U.S. House for a vote.“The MORE Act would actually erase past convictions for marijuana offenses, opening the door to opportunities to jobs, housing, education, things that could help people, but it would also make it so people will no longer be denied federal benefits because of marijuana activity,” said Maritza Perez, Director of the Drug Policy Alliance.Some CEOs of companies in the industry say the bill has a long road ahead but are optimistic marijuana will become legal at some point.“I think that it creates that dialogue where we can have sensible legislation and policy when it comes to cannabis and THC products,” said Joe Dowling, CEO of CV Services.“It’s actually one of the few things that when I’m talking to people on both sides of the aisle, that they actually agree, that it’s something that can move us forward in one direction in creating jobs and stimulating the economy,” said Michael Cammarata, CEO of Neptune Wellness Solutions.Studies show more people support the legalization of marijuana. A 2019 Gallup poll showed majority-support across major political parties for legalizing marijuana. It showed 51% of Republicans, 68% of independents, and 76% of Democrats are in favor of it.A vote on the MORE Act is expected to happen next week. If it passes the Democratic-controlled House, it faces a challenge in the Republican-controlled Senate. 1480

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

Firefighters have rescued a dog as they continue to battle the Apple Fire in Southern California.They say the pup is now with Animal Control after they fed it some food and water.Local media reports the dog was later reunited with its owner. They say if it hadn't been, a firefighter was prepared to adopt it.More than 7,000 people have been forced to evacuate since the wildfire erupted on Friday. It's already torched more than 26,000 acres.Authorities believe the fire was caused by a vehicle malfunction. 516

Few masks, no social distancing, hugs, and handshakes were likely a jarring sight for public health experts and Americans cautiously going about life amid the coronavirus pandemic.With hundreds of our nation’s leaders sitting shoulder to shoulder last Saturday in the White House Rose Garden, President Donald Trump picked Judge Amy Coney Barrett to fill the open seat on the Supreme Court following the death of Justice Ruth Bader Ginsburg.In the six days that have followed, at least 10 known coronavirus cases have emerged from that event, including President Donald Trump, first lady Melania Trump, Sens. Thom Tillis, and Mike Lee, Notre Dame John I. Jenkins, Pastor Greg Laurie, Gov. Chris Christie, White House press secretary Kayleigh McEnany and former White House adviser Kellyanne Conway. The White House Correspondents Association (WHCA) also said an unnamed reporter who attended Saturday's announcement also tested positive for the virus. That person became symptomatic on Wednesday and tested positive on Friday. The WHCA has confirmed that two other journalists who cover the White House have tested positive for the virus in recent days, though it's unclear if those unnamed reporters were present for Barrett's nomination. In addition, others who have been in contact with Trump, White House senior aide Hope Hicks, and RNC Chair Ronna McDaniel, have tested positive for the virus. The CDC says that the incubation period for the coronavirus is up to 14 days following infection, meaning it’s possible more attendees could develop symptoms in the coming days.Given the incubation period, the CDC urges those who have been in close contact with positive coronavirus cases to quarantine for 14 days. With a number of prominent members of government now infected with the virus, it’s unclear how many US senators, senior White House aides, and others in the upper echelons of the US government will follow these guidelines after snubbing social distancing guidelines.For those who have been infected, they now are urged to isolate for at least 10 days to prevent the spread of the virus. In severe cases, isolation could be required for up to 20 days, the CDC says. 2187

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