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Florida State University held a vigil Sunday night for the two women fatally shot at a Tallahassee yoga studio Friday as investigators try to establish why the alleged gunman opened fire.Scott Paul Beierle, 40, posed as a customer when he walked into Hot Yoga Tallahassee on Friday evening and fired a handgun without warning, police said.The yoga students fought back, police said, but two women were killed and five people were wounded. The gunman had fatally shot himself by the time officers arrived.Tallahassee yogis as well as the health care and college communities are mourning the victims: Maura Binkley, 21, and Nancy Van Vessem, 61.On Sunday evening, FSU students and faculty came together for a vigil honoring Van Vessem -- a faculty member -- and Binkley, a student.The crowd gathered on Langford Green on Sunday evening and held up battery-powered tea candles that flickered under an overcast sky as a small choir sang, "Hymn to the Garnet and Gold.""Our hearts are broken as we gather to mourn the loss of two members of our Florida State University family and offer prayers for those who were injured and affected by this horrific attack. This hateful and despicable act has affected our community profoundly," Florida State President John Thrasher told those assembled.Authorities say it's not clear why Beierle carried out the attack. Investigators have not discovered any links so far between the gunman and the victims or the yoga studio, Tallahassee Police Chief Michael DeLeo said. 1511

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 FBI Director James Comey sat down with Stephen Colbert on Tuesday for a wide-ranging interview that touched on President Donald Trump, the Russia investigation and...red wine."When you were fired, you say in the book that when it was over, you flew back on a plane to the east coast drinking Pinot Noir in a paper cup," Colbert said during a Tuesday afternoon taping of CBS' "The Late Show."He then pulled out the bottle of wine and two paper cups and made a toast with Comey."To the truth," he said.CNN was granted exclusive access to the taping of the interview, which is set to air in late night on Tuesday. "The Late Show" is Comey's latest stop in his book tour for "A Higher Loyalty," a new memoir that offers insight into his termination as FBI director by President Trump. The book, which officially went on sale Tuesday, is shaping up to be one of the biggest best-sellers of the year. Comey's publisher printed 850,000 copies to meet the expected demand from buyers."Of all the people to be fired by Donald Trump, my guest tonight is definitely one of them," Colbert said when he introduced Comey, who walked out on the CBS stage to a standing ovation.The two talked for more than 30 minutes with Colbert kicking off the conversation by asking Comey for his loyalty and if he has insight into the Russia investigation that isn't public yet."Yes," Comey replied."Can you tell me?" Colbert asked."Uh, no," Comey answered."Okay, drink some more wine," Colbert said.The conversation moved quickly and culminated in a lightning round of questions."What happens if [Special Counsel Robert] Mueller gets fired," Colbert asked. "Does the investigation go on?""I think most likely it goes on. I think you would need to fire everyone in the Justice Department and the FBI to stop that investigation," Comey replied. "I think it would be very hard to shut that down by firing [Mueller].""Well, it's hard to fire the FBI director, too," Colbert said."The Late Show" had some fun hyping the interview by tweeting out a mock promo earlier this week that parodied ABC News' ads for its exclusive sit-down.Colbert's promo used footage from Sunday's ABC interview and put Colbert in the seat of anchor George Stephanopoulos. It billed "The Late Show" conversation as Comey's "first interview since that other interview" and had Colbert "ask" Comey questions like "You have to choose one superpower. Is it invisibility or flight?" and "Are you a cop?"Comey will continue with his book tour on "The View" on Wednesday, "The Lead with Jake Tapper" on CNN and MSNBC's "The Rachel Maddow Show" on Thursday and he will participate in a CNN town hall on Friday.Colbert's relentless mockery of the Trump administration has helped him top his rivals in TV ratings by a sizable margin. Ratings reports on Monday showed that Colbert averaged 4 million viewers in the first quarter of 2018, which amounts to a 20% spike compared to 2017 and a staggering 1.2 million more viewers than rival Jimmy Fallon.With numbers like that, it's not likely that Colbert is going anywhere. An audience member on Tuesday asked him ahead of the taping if he could have any job in the Trump White House, which one would he want."I don't think I'd be a good president, but I'd be a better president," Colbert said. "Just nothing in HR." 3353

Following his briefing by his national security and foreign policy agency review teams "on their findings and key challenges that the Biden-Harris administration will inherit," President-elect Joe Biden said the transition into the White House has been met with "roadblocks" from Trump's administration.WATCH RECAP:Biden said his team has not received cooperation from the Office of Management and Budget and the Defense Department calling it "nothing short of irresponsibility.""We've encountered roadblocks from the political leadership of the Department of Defense & the Office of Management and Budget. Right now, we're just not getting all the information that we need from the outgoing administration in key national security areas. It's nothing short, in my view, of irresponsibility," Biden said.Biden also spoke about the recent massive cyberattack that breached numerous government agencies."We need to close the gap between where our capabilities are now and where they need to be, to better deter, detect, disrupt and respond to those sorts of intrusions in the future," Biden said.One of the key challenges Biden spoke about was rebuilding the full set of instruments of foreign policy and national security, which will start with our diplomacy."Today we heard from the leaders of the state and USAID agency review teams about the critical early investment we'll need to make in our diplomacy, in our development efforts and in rebuilding our alliances, to close the ranks with our partners and bring to bear the full benefits of our shared strength for the American people," Biden said.Christoper Miller, who is leading the Pentagon in an acting role, disputed Biden's claims on Monday. "The Department of Defense has conducted 164 interviews with over 400 officials, and provided over 5,000 pages of documents – far more than initially requested by Biden’s transition team," Miller said. "DOD’s efforts already surpass those of recent administrations with over three weeks to go and we continue to schedule additional meetings for the remainder of the transition and answer any and all requests for information in our purview. Our DOD political and career officials have been working with the utmost professionalism to support transition activities in a compressed time schedule and they will continue to do so in a transparent and collegial manner that upholds the finest traditions of the Department. The American people expect nothing less and that is what I remain committed to.” 2510

For pets, the skies of United Airlines lately have not been so friendly.It's not just the French bulldog that died on a Houston-to-New York flight Monday after a United flight attendant told its owners to put the dog in an overhead bin.Data from the US Department of Transportation show that three times as many animals died on United flights last year than on all the other US carriers put together. As you can see from this chart, 2017 wasn't an exception.United has had the highest rate of pet deaths of any US airline for the past three years.In fairness, the airline in recent years has also been the largest transporter of animals -- mostly dogs and cats, but also more exotic pets such as birds and geckos. Also, according to the DOT report for 2017, several of the animals had pre-existing health issues such as heart disease. (The report did not specify how many animals were flown in the cargo hold as opposed to the plane's cabin.)But even when accounting for their larger volume of animal passengers, United still leads all other airlines in rate of deaths per 10,000 pets.United did not respond to multiple requests for comment for this story. But spokesman Charlie Hobart told CNN on Tuesday that the airline is investigating the French bulldog's death "to prevent this from ever happening again."As for the 2017 report, he said, "The overwhelming majority of the incidents were attributed to animals not being acclimated to its crate or the animal having a pre-existing condition we weren't aware of. Any time there is an incident with animals we do a thorough review." 1612

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