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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 an outgoing, two-term Republican governor who only two years ago won the Ohio presidential primary, a final state GOP fundraiser should be almost a victory lap, a chance to reflect on the last eight years.But when the GOP faithful gather in Columbus on Friday, Gov. John Kasich won't be there.That is due in large part to the fact that the guest of honor will be the man who has emerged as Kasich's main political rival, President Donald Trump.Kasich was one of the few Republicans not to endorse Trump in 2016 general election and has remained one of his staunchest policy critics since Trump took office. Beyond that, control of the state party has shifted away from Kasich since Trump's victory with the replacement of party chair, Kasich ally Matt Borges, with Trump supporter Jane Timken.Just last week, Trump's Ohio Campaign Manager and now Co-chair of the RNC Bob Paduchik wrote a blistering op-ed critical of Kasich's attacks on Trump."President Trump is now coming into John Kasich's territory and ruining his farewell party," Political Analyst Dr. Tom Sutton of Baldwin Wallace University said,The Trump Ohio swing Sutton said is also evident on the party's fall ticket, noting that Trump ally Rep. Jim Renacci taking the place as the GOP Senate candidate over the more moderate Josh Mandel."We're seeing here very much the same kind of dynamic that we are seeing across the country," Sutton said.Both Kasich and Trump endorsed Troy Balderson in the special election this month to fill the open seat in Congress in Kasich's home 12th District. Balderson eked out a narrow victory over Democrat Danny O'Connor in the heavily Republican district. The two will face off though again in November with that race being called by many a toss-up.In a back and forth on Twitter last week the president saying "the very upopular Governor of Ohio... hurt Troy Balderson's recent win by tamping down enthusiasm." The attack prompted a gif response by Kasich of a laughing Russian President Vladimir Putin. A move that likely sparked the writing of the Paduchik op-ed.After skipping the Republican National Convention in his own state that nominated Trump it should come as no surprise Kasich would opt to skip the Trump led state GOP fundraiser. Other Republican officeholders who may be loyal to Kasich find themselves caught in the middle, Sutton said."You cross the president at your peril. We saw that with Mark Sanford who lost his renomination to be the congressperson from South Carolina, there are some other issues involved in that but he was critical of President Trump. Those that criticize the president have become the outcasts of the party," Sutton said. "And the most prominent voices are either leaving office or when they're running they're facing stiff challenges from other primary opponents who wrap themselves around President Trump's policies and that is the lay of the land right now in the Republican Party." 2972

FRESNO, Calif. (AP) — An elementary school superintendent in Central California says he allowed a janitor to wear a mask and carry a fake gun during an active shooter drill to "make sure this was realistic."A teacher told KSEE-TV that the drill, which happened at Raisin City Elementary School before the summer break, went too far.Kim Copper said the masked gunman pounded on her classroom door and tried to open it as she huddled in a corner with terrified students.School Superintendent Juan Sandoval admitted teachers and students were not told about the janitor's role. He said active shooter drills have become routine and he wanted students to understand the gravity of the situation.A school board official told the station the school will improve its active shooter training procedure. 802

Financial infidelity happens all the time, but tax pros say there are a few ways to protect yourself at tax time if you think your spouse is hiding something. 166

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