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Five years since the U.S. Supreme Court made same-sex marriage in this country legal, around 300,000 same-sex couples have wed. The June 26, 2015 ruling added to the day’s significance, which already has a decades-long history in the battle for LGBTQ rights.On June 26, 2003, the highest court in the country overturned a Texas statue making it a crime for two persons of the same sex to engage in certain intimate sexual conduct.In the ruling, Justice Anthony Kennedy wrote “The petitioners are entitled to respect for their private lives. The State cannot demean their existence or control their destiny by making their private sexual conduct a crime. Their right to liberty under the Due Process Clause gives them the full right to engage in their conduct without intervention of the government.”Ten years later, on June 26, 2013, the Supreme Court issued their ruling on United States v. Windsor, stating that a key part of the Defense of Marriage Act was unconstitutional.In that ruling, Justice Kennedy wrote, “DOMA (Defense of Marriage Act) instructs all federal officials, and indeed all persons with whom same-sex couples interact, including their own children, that their marriage is less worthy than the marriages of others.”In 2013, 12 states and the District of Columbia recognized same-sex marriages. Just two years later, that number was at 37 states and the District of Columbia. Then on June 26, 2015, same-sex marriage became legal across the country in Obergefell v. Hodges.“The Constitution promises liberty to all within its reach, a liberty that includes certain specific rights that allow persons, within a lawful realm, to define and express their identity. The petitioners in these cases seek to find that liberty by marrying someone of the same sex and having their marriages deemed lawful on the same terms and conditions as marriages between persons of the opposite sex,” the ruling states.Articles written at the time of the ruling wondered if June 26 would become a national holiday to mark the significance of the decisions on this day.In 2017, on June 26, the Supreme Court ruled same-sex couples should both be listed on birth certificates in Pavan v Smith. Arkansas at the time said only biological parents could be listed on birth certificates.Already in 2020, the justices have ruled that a bar on sex discrimination in the workplace extends to gay, lesbian and transgender workers. 2426

For the last two decades, support for marijuana has steadily grown. A record 66 percent of respondents in this year's Gallup poll say they support legalizing cannabis, up from 64 percent last year."I think a lot of consumers are coming out of the shadows, and they just feel more comfortable talking about cannabis, learning about cannabis,” says Trey Fisher.Fisher, with Medicine Man dispensary in Denver, Colorado, says particularly of note in 2018, is the emerging client base of women and the elderly. "The elderly, they're just looking for relief,” explains Fisher. “They're just looking for a product that works, and they don't care about the social stigma anymore."Individual dispensaries are certainly seeing growth, but industry insiders say the pot business as a whole is still being held back."It’s still completely illegal under federal law, and that's sort of putting a damper on the whole industry,” says Raza Lawrence, a cannabis law attorney.Lawrence specializes in helping entrepreneurs obtain cannabis licenses. He says if the U.S. would follow Canada in decriminalizing pot on a national level, the business would explode.  “Once that changes, you're going to see a lot more corporations starting to jump into the fray, and its gonna look a lot more like other types of industries," Lawrence says.Both Lawrence and Fisher say that could happen soon, and they believe the move in Canada could put even more pressure on U.S. lawmakers."I think Canada is gonna really expedite that process a little bit," says Fisher. 1556

Florida Republican Governor Rick Scott, who is involved in a tight contest with incumbent Democratic US Senator Bill Nelson for one of the state's US Senate seat, made claims on Thursday that officials in two Florida counties are tampering with election results. Scott, using his authority as governor, got involved in his own race by ordering law enforcement officials to investigate board of election actions in Broward and Palm Beach Counties. Scott's US Senate campaign, along with the Republican Senate campaign arm, filed a lawsuit claiming that election officials in Broward County are refusing to release public records. “Every Floridian should be concerned there may be rampant fraud happening in both Broward and Palm Beach counties,” the governor said.Officials in the two Florida counties, which are Democratic-leaning, are continuing to count ballots two days after the polls closed. As of Thursday evening, Scott leads Nelson by .2 percent. That margin is a bit smaller than from Election Night when Scott led by more than a half percent. Any result within .25 percent triggers an automatic hand recount. Nelson released the following statement following Scott's announcement: “The goal here is to see that all the votes in Florida are counted and counted accurately. Rick Scott’s action appears to be politically motivated and borne out of desperation.”Meanwhile in the gubernatorial race in Florida, Republican Ron DeSantis has seen his lead evaporate from over 1 percent on Election Night to under .5 percent on Thursday. His challenger, Democrat Andrew Gillum, had previously conceded the election, but on Thursday, told supporters that he was hiring lawyers to make sure every vote is counted. Gillum tweeted the following Thursday evening: "Mr. @FLGovScott — counting votes isn't partisan — it's democracy. Count every vote."President Donald Trump weighed in on Thursday on Scott's announcement. 1973

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

Following his formal nomination to be the Republican nominee for the 2020 election, President Donald Trump called for "12 more years" in office.Following Monday's roll call vote, Trump took the stage at the RNC in Charlotte to chants of "four more years.""Now, if you really want to drive them crazy, say 12 more years," Trump said.The 22nd Amendment currently limits U.S. Presidents to serving only two terms in office.Trump cited his call for another 12 years in office by saying that Democrats were "caught doing some very bad things." He cited Democrats' push for expanded mail-in voting during the pandemic — which experts say would give neither party an advantage nor lead to widespread voter fraud.Later in his speech, Trump called the 2020 election "rigged." He also claimed that Democrats "spied" on his presidential campaign. Trump has made similar statements in the past, which PolitiFact has determined to be "false." 937

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