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Former Michigan Gov. Rick Snyder, a Republican, blasted President Donald Trump in an op-ed for the Detroit Free Press published Thursday morning and said he will be voting for Democrat Joe Biden in the 2020 presidential election.In his writing, Snyder explains that he has remained a lifelong Republican and will still support Republican candidates, but will not support the president."President Trump lacks a moral compass. He ignores the truth," Snyder wrote, after calling Trump a bully.Snyder talked about the economy's growth during Trump's first term as president and said some reforms have been helpful but called his tax reform a "failure.""It didn't have real long-term value, enriched large corporations and violated the basic principles of good tax reform to be simple, fair and efficient," Snyder wrote.According to Snyder, not supporting the president isn't the same thing as voting for Joe Biden.Snyder then went on to describe his interactions with Biden when Biden was vice president."My interactions were always constructive and respectful. He has shown the desire to heal a deeply divided nation; has demonstrated strong moral character and empathy; and he seems willing to listen to people who have different perspectives from his own," Snyder wrote.He added that he will still support Republican candidates at the local, state, and federal levels and encouraged people to have relentless positive action.This story was originally published by Max White on WXYZ in Detroit. 1500

For 11 days, as a series of women testified that Bill Cosby had drugged and sexually assaulted them, the comedian's wife, Camille, stayed away.But on Tuesday, she made her first appearance as his lawyers presented closing arguments in Cosby's retrial on three counts of aggravated indecent assault. Camille Cosby, in a flowing orange-and-white jacket, smiled as she held her husband's arm and walked from an SUV to the Montgomery County Courthouse in Norristown, Pennsylvania.Bill Cosby wore a dark suit as the couple, escorted by court officers, declined to comment.Cosby has pleaded not guilty. This is the comedian's second trial after jurors failed to reach a unanimous verdict in the first case.The core of the case against Cosby comes from Andrea Constand, who says Cosby drugged her and then assaulted her at his home in January 2004. Constand worked for the Temple University women's basketball team at the time, and Cosby, a Temple trustee, mentored her and then betrayed that trust, she testified. 1015

For the first time since the Camp Fire started its deadly rampage 11 days ago, firefighters will get a big assist from rain.The 4 to 6 inches expected later this week will help suppress an inferno that has already killed at least 77 people. It'll also finally improve the heavily polluted and unhealthy air smothering Northern California.But there's a catch: With more than 150,000 acres of newly scorched earth, there's little vegetation to soak up the rain.That means the region is now at risk of mudslides, which could be especially dangerous for firefighters battling the inferno."They're having to fight this fire right now in the mountainous areas -- the ravines, the canyons, very steep, rugged terrain," said Scott McLean, deputy chief for Cal Fire -- the state's forestry and fire protection agency."They're back there on dirt roads, dirt trails, trying to fight this fire. Now it's going to turn into mud, which will be another hazard for them to contend with."Along with mudslides comes the risk of debris flow gushing from the Camp Fire's charred rubble."Recently burned areas could see ash flow ... and even have the potential for debris flow if rain intensity is high enough," the National Weather Service's Sacramento office said.Since the Camp Fire broke out November 8, it's destroyed more than 10,500 homes and torched an area the size of Chicago.Even worse: Fire officials predict the Camp Fire is only halfway done burning. According to Cal Fire, the blaze might not be fully contained until November 30.  1538

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

Four walls and a roof aren't always enough to keep the weather out, Morning View, Kentucky resident Sierra Chitwood discovered Tuesday night. She was washing her hair when a tree in the yard smashed through the ceiling to join her in the shower."I didn't have time to react," she said. "When I opened up the curtain, the mirror fell and shattered, so I had to step around the glass. … I had to run, throw on a shirt and run out of the room because I didn't know if it was going to fall any more."Chitwood's family members said the impact rocked their entire home, knocking items off of shelves. A neighbor, Patty Bray, said the storm absconded with her entire roof. 678