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FORT WORTH, Texas — A Texas grand jury decided Monday to take no action against a man who fatally shot an armed man who killed two people in late December at a Fort Worth-area church.Jack Wilson is a firearms instructor who trained the volunteer security team at the West Freeway Church of Christ in White Settlement, Texas.He fatally shot Keith Thomas Kinnunen during a Dec. 29 service after he shot another security volunteer and a communion server.The gunman was heading to the front of the sanctuary when Wilson fired a single fatal shot. KXAS-TV in Dallas reports that there were about 250 people in the church at the time of the shooting.“Texas law allows an individual, when they witness somebody placing others at risk of serious bodily injury or death, to act with deadly force to protect the other individuals,” said Tim Rodgers, chief prosecutor for the Law Enforcement Incident team in the Tarrant County Criminal District Attorney’s Office. “Mr. Wilson did just that. He did it responsibly and, as a result, he was justified under the law in his actions.”According to NPR, Texas Gov. Greg Abbott awarded Wilson the Governor's Medal of Courtage in January following the shooting.The Forth Worth Star-Telegram reports that it is common for a grand jury to review a homicide to determine if criminal charges are warranted. 1340

Former NFL quarterback Johnny Manziel is slated to take his talents north of the border, as Manziel announced on Saturday he has signed a contract with the Hamilton Tiger-Cats of the CFL. Manziel has faced challenges both on and off the football field since winning the 2012 Heisman Trophy. In 2016, Manziel was charged with domestic violence. Those charges were later dismissed. Also in 2016, Manziel was suspended for four games for violating the NFL's substance abuse policy.After an impressive collegiate stint at Texas A&M, Manziel's football career quickly flamed out. Manziel hasn't played professional football since 2015, when he was a member of the Cleveland Browns. Over two seasons, Manziel played in 15 games, and threw seven touchdowns and seven interceptions. "I don't want to wait around any more," Manziel said on Saturday. "I want to get on the field and get in the locker room and get a chance to play ball again. This is the best opportunity for me." Manziel said he is grateful for a second chance at professional football. Manziel is expected not to start at quarterback Hamilton, coach June Jones said. He will compete for the backup job behind former Oregon star Jeremiah Masoli. "Johnny is going to be a competitive player in this league," Jones said. "I feel he'll compete and competition makes everyone better."Manziel said he is ready to move forward and has learned from past missteps. "I have learned a lot from the mistakes. I feel like I wouldn't be where I am today on a personal, on a football level, going back into a locker room, if I didn't go through what I went through," Manziel said. "I am back to a point in my life where I am not taking anything for granted."One name mentioned in Manziel's press conference in Hamilton was Doug Flutie. Both Flutie and Manziel won the Heisman Trophy and went to the CFL after initial struggles in the NFL out of college. Flutie revitalized his career in Canada winning three Grey Cups. When Flutie returned to the NFL, he became a Pro Bowler. While Manziel would like another chance at the NFL, he said he will be with Hamilton for the "long haul."  2253

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

Five days after a gunman slaughtered 10 people at a Texas high school, teachers are returning Wednesday to the site of the massacre.Santa Fe High School teachers and staff are returning "to support each other and prepare for our students' return," said Leigh Wall, superintendent of the Santa Fe Independent School District.Students will return next Tuesday, Wall said. They'll have access to "counseling assistance from many state and local agencies" and will see additional law enforcement officers on campus, the superintendent said. 544

For the first time, the FDA has given authorization for a test that will detect for both coronavirus and influenza infections.The test by Quest Diagnostics can be performed at home under doctor’s approval. Patients can collect a sample at home and ship it to a Quest Diagnostics laboratory for analysis, the FDA says.“Today’s authorization for a COVID-19 plus flu test using samples collected at home is a significant step toward FDA’s nationwide response to COVID-19. With the authorization of this test, the FDA is helping to address the ongoing fight against COVID-19 while in the middle of the flu season, which is important for many, including the most vulnerable of Americans. This is another example of the FDA working with test developers to bring important diagnostics to Americans,” said FDA Commissioner Stephen M. Hahn.“With just one swab or sample, combination tests that are authorized for use with home-collected samples can be used to get answers to Americans faster, in the comfort and relative safety of their home, which allows patients to continue to quarantine while awaiting results. This efficiency can go a long way to providing timely information for those sick with an unknown respiratory ailment,” Hahn added.The coronavirus and flu can offer similar symptoms, such as cough, fever and difficulty breathing. 1342

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