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Former Republican National Committee Chairman Michael Steele announced in an ad by the Lincoln Project that he is voting for Democratic presidential nominee Joe Biden on Election Day. 191

Former Milwaukee County Sheriff David Clarke is being criticized on social media after making homophobic comments while referencing the "locker room talk" war of words between President Donald Trump and former Vice President Joe Biden. Biden told a Florida crowd Tuesday that he would "beat the hell out of Trump" if they were in high school and Trump made lewd comments recorded during an Access Hollywood interview several years ago.Trump clapped back Thursday, calling Biden "mentally and physically" weak, and tweeting that Biden would "go down fast and hard, crying all the way." In a Wednesday tweet, Clarke zeroed in on Biden's comment that he's been around a lot of locker rooms in his life, and stated "Please tell us why and what you were doing hanging around all those locker rooms, Joe? Taking in the sights? Did the soap keep falling out of your hands Joe?" 888

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

Florida Gov. Ron DeSantis says he’s concerned about the accuracy of COVID-19 test results.In a news conference Monday, he said there have been several cases where people received positive results, even though they had never been tested in the first place.“For that to come back positive, when there was no specimen submitted, is problematic. So I’ve heard it enough to be concerned about it," said DeSantis.People have said they submitted their contact information at a COVID-19 testing site, but after seeing how long the line was, they decided not to wait an hour or more to get the test. Nevertheless, a few days later, they got an email or a phone call telling them that they tested positive.Representatives at the Centurylink Sports Complex testing site say false positives aren’t possible there, because of how they have it set up.The Florida Department of Health says, at Centurylink, you submit your contact information right before you get tested. So if somebody were to get out of line, they wouldn’t have had the chance to hand over their phone number or email.But not all testing sites are the same.We reached out to Lee Health, which operates several testing sites of its own. Those sites operate by appointment only, and they do take contact info beforehand, but Lee Health says it has not yet had any issues with mixed up results, and it takes several steps to make sure the results get to the right person.The health system says its sites verify the patient’s identity when they arrive. Then, the person who conducts the test signs and dates each specimen. Finally, the hospital system is in contact with the lab, which verifies correct and matching information on the swab they receive.DeSantis says his office still doesn’t have an answer as to why some mix ups are happening, but he is asking for the public’s help.“If you’re somebody that this has happened to, you’re going to come forward and give us the details, because I think that that needs to be corrected," said DeSantis.This article was written by Rob Manch for WFTX. 2054

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