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First of all, let's be clear: Every dog is the best dog, especially yours. But unfortunately, it looks like your drooling, howling, underwear-sniffing, sock-eating angel of perfection is not, you know, especially smart.This distressing news comes?from a new study in the journal Learning & Behavior, which seeks to answer the question, "Are dogs really that special?"While our hearts say yes, the data says no.The study compares canine cognition to other carnivores, social hunters and domestic animals (all groups that dogs fall into). Researchers used existing information on the behavior of several animals, including wolves, cats, dolphins, chimpanzees, pigs and pigeons to see if dogs possessed any special skills that weren't recorded in other species.They did not. 779

Former President Barack Obama said Wednesday there are no practical benefits to a bill Republicans are considering to replace the Affordable Care Act.Speaking in New York, Obama said the bill would increase costs and strip coverage from vulnerable Americans."When I see people trying to undo that hard-won progress, for the 50th or 60th time, with bills that will raise costs, reduce coverage and roll back protections for older Americans and people with pre-existing conditions ... it is aggravating," Obama said during an event sponsored by the Bill and Melinda Gates Foundation. 589

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

Former Michigan State University women's gymnastics coach Kathie Klages was charged Thursday with two counts of lying to a peace officer in connection to the investigation into the school's handling of Larry Nassar's sexual abuse at the school, according to the Michigan Attorney General's office."While investigating how Larry Nassar was able to get away with sexually assaulting hundreds of individuals on and off Michigan State's campus, Klages denied to Michigan State Police detectives having been told prior to 2016 of Nassar's sexual misconduct," the release said."Witnesses have said that they reported Nassar's sexual abuse to Klages dating back more than 20 years."The charges are for both a felony and a misdemeanor, the release said. The arrest warrant was approved Thursday morning and Klages is required to turn herself in to Lansing Police by the weekend, according to Michigan Attorney General spokeswoman Andrea Bitely.Klages was the women's gymnastics coach when Nassar, a prominent team doctor for MSU and USA Gymnastics, sexually abused hundreds of girls and women for decades under the guise of providing medical treatment.Nassar pleaded guilty last year to state charges of criminal sexual conduct and federal charges of child pornography. As part of his plea deal, Michigan courts allowed any and all of his victims to speak to him and put their experience in the public record.Nearly 200 girls and women -- an "army of survivors," as they said -- came forward to describe harrowing tales of Nassar's abuse and to take on his system of enablers at Michigan State, USA Gymnastics and the US Olympic Committee.Klages, who retired in 2017, was one person named in the hearings. Gymnast Larissa Boyce said that she told Klages 20 years ago about Nassar's abuse, but nothing was done."Instead of being protected, I was humiliated. I was in trouble and brainwashed into believing that I was the problem," said Boyce, who at the time was a member of MSU's youth gymnastics program.Boyce said Klages told her that she could not imagine Nassar "doing anything questionable" and then discouraged her from filing a formal complaint, according to a federal lawsuit."This could have stopped in 1997," Boyce said. "But instead of notifying authorities or even my parents, we were interrogated. We were led to believe we were misunderstanding a medical technique.""I was not protected by the adults I trusted," she said.In the wake of the stunning sentencing hearings, Michigan Attorney General Bill Schuette appointed a Special Independent Counsel to look into who at Michigan State knew about Nassar, when they knew it, and what they did about it. The charges against Klages stem from that investigation.The-CNN-Wire 2734

FREDERICK, Colo. – A chance encounter between a Firestone man and the mourning father of Shanann Watts Wednesday night has led to a new effort to repurpose many of the stuffed animals left at a memorial at the Watts home for other grieving families.Trent John and his son were driving through the neighborhood in Frederick where Shanann lived with her two daughters Wednesday evening when they stopped by the home and noticed Shanann’s father, Frank Rzucek, and brother, Frank Rzucek, Jr., out in the home’s driveway.John said he immediately recognized them and decided to get out of the car and introduce himself.“I said, ‘Hey, I’ve been in law enforcement for a long time and I know these teddy bears are going to get donated to somewhere,’” John said on Friday. “’Would it be OK with you if I took them and with the smaller ones, I gave them back to police departments to hand out, and then take the bigger ones and turn them into some kind of a blanket or something that we could distribute to fire departments and police departments here locally and across the nation?’”He said his offer was met “with some tears and a lot of appreciation” by the Rzuceks.“I gave her father a hug and we shed some tears and shook each other’s’ hands,” John said. “Now we’re going to get to work.”So on Thursday, John and some neighbors who were taking the memorial down filled up his Suburban with some of the leftover teddy bears and other stuffed animals. He says he’s coordinated with about a dozen friends who know how to sew and says that they’re drafting plans for the blankets.John said he’s hoping to find out the favorite colors of the Watts girls, Bella and Celeste, to “design something in honor of them.”“I think that service is a great way to mourn with those that need comfort, so that’s what we’re going to try to do,” he said.He said the smaller stuffed animals would be cleaned and donated to local police and fire departments, who can in turn give them to kids in crisis situations. The others will be turned into blankets and other items. John said he would be setting up a private Facebook page to ask for fleece donations and other items necessary in coming days.“I hope we can take that and share that love in moments of crisis in someone else’s life,” he said.John believes that something put him and the Rzuceks in the same place at the same time earlier this week for a reason.“What’s the chances of my day and his day aligning right then and there? I actually do think God say, ‘Hey, you know, here’s someone who has a big heart and can put people together and get something done that’s beautiful and helpful.’” John said. “Looking back on the moment I met [Shanann’s] father, I think it was just an alignment of a grieving family and someone who is very involved in the community, and our paths just happened to cross.”And he hopes that his small gesture is supported by others in Colorado and across the community who have tried to support Shanann’s family.“As human beings there’s no way to grasp what happened here,” John said. “But we do know how to come together, we do know how to love each other and we do know how to lift up the hands of those that are in mourning.”Rzucek himself responded to a Facebook post made by John discussing the encounter: “Thank you Shanann would want to give back to people who need god bless you all thank you Frank”. 3377

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