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For most of the pandemic, people have enjoyed record low interest rates, making way for a boom in mortgage refinancing. But experts say the upcoming election could have a major impact on whether those rates stay low."I think for a lot of reasons there will be even more volatility. You have the backdrop of the pandemic, you have quite a rivalry," said Josh Stech, Co-founder and CEO of Sundae, a company that helps people with homes in bad condition get their properties sold. Stech says the pandemic has created even more of a wedge between the two parties and interest rates will be impacted."I would say that we’re cautiously optimistic that we’ll see a strong 2021 regardless of who wins but there’s always that looming uncertainty of who wins and also what policies that follow that, that could impact unemployment, that could impact tax rates, that could just change consumer behavior again," said Stech.Matthew Garcia, a Senior Loan Officer with Supreme Lending, says historically, interest rates waver before an upcoming presidential election. "Last election in 2016, rates were in the lower threes. Literally, two to three days later rates went into the fours. That’s how violent and how rapid interest rates can move. A lot of folks', mistakes people make is they think the government makes interest rates. They don't. Interest rates for mortgages are controlled by bond market activity," said Garcia. Specifically, Garcia says, treasury bonds and mortgage-backed securities."Now, at some point, depending on what the next president decides to do, if that affects monetary policy by the Fed(eral Reserve) and the Fed has already come out and said we don't plan on changing anything but the president has the ability to influence that. If they make a decision that could ultimately affect what the Fed’s decision on monetary policy is, we would see a rapid increase in interest rates according with that," said Garcia.Another potential big influence on interest rates? "If COVID-19 is cured, you’re going to see rates spike overnight. Or any kind of change in economic policy or even, too, the economy itself being affected by COVID has the potential to drive interest rates a lot higher. So, there’s definitely on the horizon two major components, the election and COVID cure that are going to affect interest rates going forward," said Garcia.Garcia says it's best to take advantage of interest rates while they're low. Experts recommend speaking to a loan officer or financial advisor before taking out a loan. 2531

Food banks across the country are reporting a dramatic increase in people needing help. Many organizations are reporting the number of people they're providing food and services for have quadrupled, a continued effect of the COVID-19 pandemic."Prior to COVID, we had about 85 families that would come to our client choice pantry. And now since COVID, we’re averaging about 385 a week so it's been a huge influx of new clients," says Jacob Granados, the director of purposeful engagement for the Place of Forsyth County in Georgia. Some of their clients have never had to rely on help from food banks or non-profits before. Granados says the need since the start of the pandemic has not died down."I think it's important for people to understand that they are not alone," says Granados.Danah Craft, the executive director of the Georgia Food Bank Association shared a heat map, showing the increase in food insecurity in 2020 compared to 2019. Some areas of Georgia that rely heavily on tourism have seen their food insecurity rates double."We believe that we will be at sustained elevated levels for 12 to 18 months. We are here for the long haul. We are part of these communities and we are here to respond but what we don't know is what will happen this winter. We don't know how long we’ll need to sustain this response," says Craft.In California, Community Services and Employment Training, or C-SET, provides groceries and meals to families. C-SET used to deliver 300 meals monthly to seniors. That number is now up to 1,400."Then for rental assistance typically I would see maybe 150 applicants for emergency food and shelter services. We are probably close to 900," says CSET's Director of Community Initiatives, Raquel Gomez Collins.C-SET has joined with their local health and human services agency as well as other non-profits in their area to provide as many services as possible to residents who need it. Gomez Collins says sometimes it's not just about having the funding to buy the food but identifying where and how to get it."We are competing with larger cities for that food so it's being in line and ready to go when they give us a call and say, ‘Hey, we have four pallets of food and you can pick it up.’ It's having the access to trucks, it's having the access to manpower. All those things come into play now because of the competition for those resources," says Gomez Collins.Many organizations are thankful for all of the generous donations they receive and are now preparing for the upcoming winter."We are not planning for our numbers to drop anytime real soon. We are making preparations even now for Thanksgiving to get 500 Thanksgiving meal boxes ready. We anticipate that this need will be here," says Granados. 2748

Final moments carry a weight.“I know in my heart he knew I was with him, and that was when I had to make the decision to tell him it was ok to let go, recalled Laurie Beaudette of her final moments with her father.“It was because I loved my dad so much and I didn’t want him to suffer.”Beaudette’s father, Jim Mandeville, was a veteran who served during the Korean War. He had most recently been living at the Soldiers' Home in Holyoke in western Massachusetts."He was in the Soldiers' Home for over 16 years, made a lot of friends," Beaudette said.In April, she says her 83-year-old dad’s health quickly declined."The week before Easter, we were FaceTiming and he looked like a zombie, and he couldn’t respond to me," she recalled.On April 14, Jim Mandeville died after testing positive for COVID-19.“The cramped rooms, they had way too many beds,” she explained of her father’s living conditions. “Veterans roomed, they were definitely not social distanced.”The number of people at Soldiers' Home who have died from the virus stands at 76.“It was written up by 2010 by the VA for not having sufficient space between beds,” said Paul Barabani, who served as the facility’s superintendent from 2011 to 2016. “There wasn’t enough room to get by the bed, and the wall with a walker, wheelchairs were out of the question.”He says in 2012, he submitted a 6 million expansion and renovation plan to create more space, but the state never acted on it.“I often say, only if that they listened, if they had increased the staff, as well as renovating the building, the outcome may have been different," he said.Barabani is part of the Holyoke Soldiers' Home Coalition. The group is made up of former Soldiers' Home employees and family members of residents.The coalition is working is calling for better staffing, improved facilities, and other measures to make sure an outbreak doesn't happen again at the facility.In June, an independent investigation commissioned by the governor of Massachusetts said decisions made by the home’s leadership were “utterly baffling.”The report included a social worker’s quote, stating it “felt it was like moving the concentration camp—we [were] moving these unknowing veterans off to die.”The state’s secretary of veteran services subsequently resigned, and the home’s superintendent was fired.“What I would like to say to the state right now and to leaders and politicians is, make this right," said Cheryl Turgeon, whose father is living at the facility. "Make it right now, and don’t wait. There is no excuse for waiting, knowing what we do right now.”Gov. Charlie Baker released a plan in response to the report that includes million going towards infection control and a promise to add more staffing.Turgeon’s father is still inside Soldiers’ Home.“He’s going to be 90 in September, and I want to see him hit that milestone I want to see him make that 90th birthday," she said.Turgeon is part of the Holyoke Soldiers Home Coalition, and so is Cheryl Malandrinos.“My father-in-law was more than number 63, who died at the Soldier's Home," Malandrinos said.Malandrinos’ father-in-law served overseas and returned to spend decades as a public school teacher in western Massachusetts.She says in April his health declined over the course of a week.The Malandrinos family had to say the same goodbye tens of thousands of families have said nationwide. Many members of the family were not allowed inside the hospital and had to say goodbye through video chat.While the Holyoke Soldiers' Home Coalition and many others are pushing leaders to right the wrongs that lead to the outbreak to create a better future, for the families of the 76 lost lives, the mistakes, mismanagement, and this virus have left a forever mark.“For me, I’m the one who made the decision to put him in the Soldiers' Home. I’m the one who promised him he wouldn’t die alone. I have to live with that, and I have to get up every day and realize what I thought was a godsend for him, probably ended his life early,” Turgeon said. “And I could not fulfill the one promise that I made to him when I put him in there, because he did not want to go, so I have to deal with that every day.” 4198

Following the passing of music legend Aretha Franklin, news surfaced the “Queen of Soul” did not have a will. Music icon Prince also didn’t have a will at the time of his death.How important is it to have a will?Certified financial planner Jonathan Duong says everyone should have a will, no matter your age or financial status."Even if you don't have kids, as long as your situation includes some level of basic complexity where you have different types of assets, then absolutely, a will is going to be a proper document at a minimum to have in place," says Duong.  For those who only have assets like a 401k or a life insurance policy that has a designated beneficiary built in, a will might not be necessary.  “But for many other things, there is no legal way to control where that asset goes without a will," explains Duong.  Getting a will often times entails hiring an attorney and can cost nearly ,000, but Duong says you don’t need to spend that much to have a proper will.  "Typically, their employer--if their employed with a larger company or a public organization--may offer a legal plan, within their employee benefits," says Duong.  There are also online resources like willed.com or doyourownwill.com that will help you create one for less than 0. 1301

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