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FEEDING SAN DIEGO VOLUNTEER PROGRAMS MANAGER SAM DUKE HAS A PASSION FOR HELPING PEOPLE HELP OTHERS. HE'S BEEN HOOKED ON HELPING SINCE THE FIRST TIME HE VOLUNTEERED. — SAN DIEGO (KGTV) - An army of 14,000 volunteers help Feeding San Diego fight food insecurity across the county every year.One man makes sure that each and every person who volunteers their time is put to work in the most efficient way possible."My job is so amazing because I get to work with these amazing volunteers that come in," says Sam Duke, Feeding San Diego's Volunteer Program Coordinator. "I'm just so thankful they're giving their time to come help us end hunger. I can't thank them enough."Duke started as a volunteer in 2013. He was hooked from the first time he walked into the warehouse."It was cool, the energy that was here, the staff was so welcoming and supportive and made me feel right at home," he says.After that first experience, he started volunteering on a regular basis. Eventually he became a full time employee and worked his way up to his current position."I love setting up the project and I love engaging with the volunteers and hearing their stories and hearing about how they heard about us or came to us. I just love being able to connect with those volunteers," he says.Without the volunteers, Feeding San Diego wouldn't be able to help the 1 in 8 San Diegans who face food insecurity. The collective work they do amounts to an extra 22 full-time employees. "Volunteers are at the heart of what we do," says Sam.If you're interested in volunteering, go to the "Get Involved" section of feedingsandiego.org. 1617

Following a hand recount of ballots in Georgia, President-elect Joe Biden maintained a 12,000-vote lead over President Donald Trump. The conclusion of the recount means that Biden is the projected winner of the state and its 16 Electoral College votes, according to the Associated Press. The once Republican stronghold, Georgia went for a Democratic presidential candidate for the first time since 1992. With all 50 states now called, Biden is projected to carry 306 Electoral College votes compared to 232 for Trump.The hand recount of nearly 5 million votes stemmed from an audit required by a new state law and wasn’t in response to any suspected problems with the state’s results or an official recount request. The state has until Friday to certify the results that have been certified and submitted by the counties. The recount added an additional 5,262 ballots that had gone previously uncounted, representing roughly .1% of the overall vote total. In the recount, Trump added a net of 496 votes, coming well short of cutting into Biden's lead.Once the results are certified, the losing campaign can request a recount. 1133

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 California Republican Gov. Arnold Schwarzenegger took another jab at President Donald Trump on Thursday, following news that the administration plans to revoke a signature Obama-era environmental regulation."For 48 years -- since one of my heroes, then-Gov. Ronald Reagan, requested it -- California has had a waiver from the federal government to clean our own air," Schwarzenegger tweeted Thursday. "If the President thinks he can win this fight, he's out of his mind."The Trump administration wants to freeze a rule mandating that automakers work to make cars substantially more fuel efficient. It called its plan a "50-state fuel economy and tailpipe carbon dioxide emissions standard for passenger cars and light trucks."The administration also proposed a withdrawal of California's Clean Air Act pre-emption waiver. California and about a dozen states follow its rules account for about a third of all the passenger vehicles sold in the United States.In his tweet, Schwarzenegger described the proposal as a "stupid, fake-conservative policy announcement that no one asked for."California has, for decades, had a waiver allowing it to set its own emissions standards because the state had distinct air quality issues. In 2007, a federal court allowed California to regulate greenhouse gas emissions, in particular carbon dioxide.This is not the first time Schwarzenegger has taken jabs at the President.In a video uploaded to Facebook by media company ATTN: in June, Schwarzenegger references his popular "Terminator" movie role to mock what described as efforts to "save an industry that is poisoning the environment.""So President Trump, I know you really want to be an action hero, right?" Schwarzenegger says, while looking at a Trump bobblehead. "So take it from the Terminator, you're only supposed to go back in time to protect future generations. But your administration attempts to go back in time to rescue the coal industry, which is actually a threat to future generations."He also compared Trump's attempt to "rescue the coal industry" to rescuing other relics from America's past, like Beanie Babies, beepers and Blockbuster.He has also spoken out against Trump's "zero-tolerance" policy for illegal border crossings, which has led to children being separated from their parents."As an immigrant, I know the magnetic power of America's greatness," Schwarzenegger tweeted on June 19. "As a former border Governor, I know the importance of securing our border and fixing our absurdly broken immigration system. As an American, I know that kids shouldn't be pawns while the 'adults' figure it out."He has also advocated for Ohio Republican Gov. John Kasich making a second run for the Oval Office.In an interview with CNN in March, Schwarzenegger said the GOP is "dying at the box office" by not having more inclusive messages and policies. 2887

Former President Barack Obama is expected to report for jury duty in Chicago on Wednesday morning.The former President is expected to appear at Chicago's Daley Center alongside a Secret Service detail, CNN affiliate WLS reports.Several black vans and SUVs were spotted outside his home in the Kenwood neighborhood early Wednesday morning.See the SUV's waiting for the Former President in this video: 407