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FLORIDA — As many as 200 employees at the Lockheed Martin/Sikorsky facility in Jupiter, Florida could be affected by potential layoffs this summer.The workers union representing the employees -- Teamsters Local 1150 -- said they are doing everything they can to find people new positions within the company.Journalists at WPTV in West Palm Beach, Florida first heard about the likely layoffs from employees who reached out earlier this week and expressed concern about who would be on the chopping block.The layoffs involve workers in the Blackhawk military helicopter program, which shares space at the United Technologies facility off Beeline Highway in Jupiter. There are a total of 500 employees working there.No names or positions of who will be laid off have been finalized."This has been coming for a while," said Rocco Calo, a board member for Teamsters Local 1150 based in Connecticut. Sikorsky is also based in Connecticut.In a phone interview with WPTV on Wednesday, Calo said unfortunately, they're seeing a big downtown in military work for the Blackhawk and Seahawk helicopters they build."In the Florida plant, they were working on Canadian maritime military helicopter program, which is dwindling down now, coming to an end," he said.Sikorsky is also seeing a decline in the number of aircraft the government is requesting to be built. The company operates on a multi-year contract with the government and Calo said with the current contract shows a significantly lower number of aircraft requests than in years past. The union is monitoring negotiations for future contracts."It's starting to look a little better for the out years, but nothing is signed yet. But we some irons in the fire, we're hopeful," said Calo.Sikorsky was bought by Lockheed Martin for billion in 2015, which could also be a contributing factor the changes the Sikorsky is undergoing right now."Naturally when you go through mergers and acquisitions, there are things that can happen with companies. They can either increase in terms of employees or they downsize," said Kelly Smallridge, president and CEO of the Palm Beach County Business Development Board.Her agency monitors and recruits businesses to establish operations in Palm Beach County."While we hate to see any company lay off employees in Palm Beach County, this is the time that other companies will be happily take any kind of skilled worker over to their operations," she said.Smallridge said there are 1,300 aerospace and engineering companies operating in this county alone and the BDB is on stand-by to assist any employees affected by the Sikorsky layoffs."We're ready to help place those employees in other operations. There are 67 corporate headquarters in Palm Beach County, so there's ample business opportunity," she said.Calo said Lockheed is still working on crunching numbers to determine the final number of layoffs. While employees feared the number would push 200, Calo said after factoring in early retirements and relocations for some positions, that number could be much lower."We had a significant number of people sign up for an early out package," he said.Some workers could be offered jobs at other locations in Connecticut and Alabama."I don't think we will be able to offset all of the involuntary stuff. It is a huge downturn in work, but as I said, we're fighting every day," said Calo.On Tuesday, Lockheed Martin released its 2018 first quarter results.The company reported net sales of .6 billion for the first quarter of the year, compared to .2 billion in the first quarter of 2017."Strong operational and program execution in the first quarter allowed us to increase our financial guidance for sales, profit and earnings per share," said Lockheed Martin Chairman, President and CEO Marillyn Hewson, in the news release. "Our team remains dedicated to performing with excellence, offering affordable and innovative solutions for our customers, and delivering exceptional value to our shareholders."Under the Rotary and Missions systems report, which includes Sikorsky, the report states that net sales in the first quarter of 2018 increased million, or three percent, compared to the same period in 2017.However, the report goes on to say, "These increases were partially offset by a decrease of 0 million for Sikorsky helicopter programs due to lower volume for government helicopter programs."Teamsters Local 1150 is planning to hold a meeting with employees to discuss the layoffs this week. The union also represents workers at facilities in Alabama and Connecticut.Union leaders are even driving to Washington, D.C. this week to ask Congress for help.For layoffs of 50 or more people, WARN notices have to be filed with the Florida Department of Economic Opportunity.A search of the 2018 notices shows that Lockheed Martin filed a WARN notice for 82 layoffs at Hurlburt Field Air Force Base in Hurlburt Field, Florida. A notice has not yet been filed for the Jupiter facility. The company is required to give a 90-day notice to the state before laying people off.Lockheed Martin spokesman Paul Jackson released the following statement:  We have not made any announcements but continually review all our business operations to ensure we are properly sized for current and longer-term business requirements and economic conditions within our marketplaces. 5400

Fox News and ABC News report that President Trump has submitted written answers to questions posed by special counsel Robert Mueller. Trump told reporters before boarding Marine One that he finished the written answers on Monday and provided them to his lawyers, and that he expects them to submit the responses "today or soon." "The written answers are finished," Trump said. "The written answers to the witch hunt that's been going on forever."Asked whether he thought Mueller would be fair, Trump said he hopes so.The responses from the President signify a major development in the Mueller probe following months of negotiations between the special counsel's office and Trump's legal team, and could be a sign of the end stages of the investigation.But it's not yet clear whether the answers will be enough for Mueller to finish his investigation, as there could be additional questions — and the special counsel's office could still try to pursue an in-person interview with Trump.Trump and his legal team balked at some of the questions from Mueller that covered the presidential transition and Trump's time in the White House, believing those could be off limits due to executive privilege, CNN has previously reported.The questions also cover only issues related to the potential collusion investigation and not the probe into possible obstruction of justice.Once Trump submits his answers, the ball will be back in Mueller's court to decide whether to pursue additional questions, follow-ups to the President's response or an in-person interview.When Trump's legal team agreed to answer questions about collusion, they put off decisions about answering questions related to obstruction or sitting down for an interview. And Trump suggested in a recent interview with "Fox News Sunday" that those could be off the table."I think we've wasted enough time on this witch hunt and the answer is probably, we're finished," Trump told Fox's Chris Wallace when asked if he would say no to an in-person interview or providing answers on obstruction questions.If Trump's legal team rebuffs further inquiries from Mueller, it will be up to the special counsel to decide whether he has enough to finish writing his report or he needs an interview. Mueller could try to subpoena Trump for an interview, but Deputy Attorney General Rod Rosenstein and acting Attorney General Matt Whitaker likely would need to sign off on that decision.The big looming question over the agreement for Trump to provide the written answers related to the period during the campaign is whether that satisfies Mueller's questions about the transition and inauguration. Trump's legal team was provided a list of questions in the spring that included asking about efforts during the transition to establish a back channel to Russia and a 2017 meeting in the Seychelles involving Trump ally Erik Prince, a businessman and founder of the private security company formerly known as Blackwater.The-CNN-Wire 2991

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

For those fortunate to work from home during the COVID-19 pandemic, many are finding they now have more time to commit to home construction projects large and small and everything from retiling a bathroom to a large home renovation."In many communities in the home space itself, what we’ve seen is after that initial decline and slowdown where many of these businesses were struggling, a pretty pronounced uptick now in the level of business coming through," said Nate Chai of Thumbtack. Thumbtack is an app that helps people connect with contractors and other service providers.Chai says more people are in their homes spending more time looking around at the projects they want --or need -- to get done."Pretty much everywhere we’re just using our homes more often. Things break down. That annoying leak becomes something that has to be addressed urgently," says Chai.Thumbtack has guidance for both homeowners and contractors on how to get their projects done safely during the COVID-19 pandemic. Chai encourages people to have open conversations with contractors about who the project will be completed in a safe, socially distant manner."Things like are you wearing a mask, are you bringing a crew and if so what will that crew be doing? Where will they be? Are you going to clean and sanitize the space afterwards? So those questions are really important to get squared away from both parties up front," said Chai.And for contractors, showing your clients first and foremost that you value their safety."We have professionals who, for example, have changed their profile pictures to show themselves in a mask. So, that adds that extra layer of security and awareness and understanding from the start, to proactively bring up their safety measures," said Chai.Fillip and Jamie Hord, founders of Horderly, which is a professional organizing company, are currently in the middle of a home renovation project. They have some advice for how people can safely prepare their homes for construction during a pandemic. "We actually recommended the contractors put up the plastic sheets sectioning off the room and then they can do zippers on those. That was [our] first request and Jamie has been wiping down the door handles before they come and when they leave," said Fillip Hord, who is also Chief Organizing Officer of MakeSpace.The couple also recommends decluttering and clearing out the space you want worked on, requesting contractors wear masks, stay six feet apart and wash their hands frequently. But also be prepared for your home project to take longer than expected."Instead of having 14 different contractors and three different trades in your house at one time, you're going to have the carpenter one day. The next day maybe one electrician. The next day maybe a plumber and then the plumber has to wait for the electrician to come back," said Fillip Hord.Still, they say getting the projects done right now has its benefits."Now is the perfect time to take time to get to those projects you’ve been wanting to get to for a while in your home. There’s really no better time," said Jamie Hord."From what we saw at the start of the pandemic is people sort of hunkered down. There was quite a drop in the number of projects coming through our platform but in more recent weeks, what we’ve seen is it actually accelerating pretty fast," said Chai.In fact, at the end of March, Thumbtack says home renovation projects were down 40 to 50%. Now, they're back up to normal levels. 3494

Fischer: "The new nickname will not be announced immediately because trademark issues are pending...but insiders were told today that the 'thorough review' announced July 3 has concluded." https://t.co/zjyXTUpzM5— John Ourand (@Ourand_SBJ) July 13, 2020 261