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Former Sen. Bob Dole was helped out of his wheelchair Tuesday to salute former President George H.W. Bush as he laid in state at the Capitol Rotunda.Dole, 95, once faced Bush during the 1988 Republican primary fight for the presidential nomination but nonetheless maintained a decades-old friendship with the former president.On Saturday, he reflected on their relationship, telling CNN's Ana Cabrera that his passing was an end of an era, as Bush was the last World War II veteran to serve as president."I believe there are certain qualities that veterans have, and when Bush was president, I think about three-fourths of Congress were veterans and we would stick together and work together across the aisle. And President Bush was a bipartisan president. So we got quite a lot done," Dole said. 804

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

Florida school shooter Nikolas Cruz appeared in court on Friday and waived his right to a speedy trialCruz sat mute at the defense lawyers' table with his head bowed during the brief hearing in Fort Lauderdale.Cruz waived his right to a speedy trial through his attorney Melisa McNeill. Broward County Judge Elizabeth Scherer scheduled the next hearing for 1:30 p.m. May 25.No trial date has been set."I don't want this case treading water," Scherer said.Cruz faces 17 counts of premeditated murder and 17 counts of attempted murder. He killed 17 students and faculty at Marjorie Stoneman Douglas High School in Parkland on February 14 in one of the deadliest mass shootings in modern US history.Cruz, 19, was arrested shortly after the shooting and has confessed to being the gunman, court documents show.A judge entered a plea of not guilty on Cruz's behalf when he was arraigned in March after his attorney told the judge the teen was standing mute to the charges, meaning he was declining to enter a plea.Prosecutors had said they intended to seek the death penalty for Cruz, saying the shooting was "especially heinous, atrocious or cruel."Cruz's defense team has said there is no question he did it, and he's willing to plead guilty to avoid the death penalty.Defense attorney Howard Finkelstein said he would prefer his client take a plea and serve 34 consecutive life sentences, one for each of the counts on which Cruz has been indicted.The prosecution had expressed frustration after listening to the defense's request."The state of Florida is not allowing Mr. Cruz to choose his own punishment," Assistant State Attorney Shari Tate told the court at a previous hearing.Scherer has received mail asking her to show mercy to Cruz. A three-page letter from a Minnesotan called the shooter "a vulnerable and disabled little boy inside a teenager's body."More pieces of sympathetic mail from all over the United States and Europe have arrived at the county jail where Cruz is being held, according to the Broward County Public Defender's Office.Cruz appeared at a hearing on April 11 as a probate judge tried to determine whether taxpayers will pick up the tab for the teen's defense or he can pay for his defense.The-CNN-Wire 2240

Fewer people are choosing to live in senior housing amid the pandemic. Occupancy has gone down more than 2.5% for two quarters in a row.A trade group for housing providers looked at numbers from April through September of this year and found the senior housing sector is experiencing the largest drop in occupancy on record.“We have heard from people who, you know, their first priority is to get older parents out of more hazardous locations, such as nursing homes, and when they are looking for options in terms of where to move them, part of the option of course is to bring them into their home,” said Danielle Arigoni, Director of AARP Livable Communities.Arigoni says the financial benefits of living in a multi-generational home are getting some people to think about it during the pandemic. But others are avoiding it because of concerns about COVID-19 exposure risks for older family members.Arigoni says there is a renewed interest in accessory dwelling units. That's something UMH Properties is working on now with its "care cottages." The service will let people lease a prefabricated 1 bedroom 1 bath temporary home that you put on your property.“We believe we can get it approved because it's going to be temporary. It's going to be ADA compliant. And with those things in mind, the zoning department of a town should approve bringing the manufactured home onto somebody's lot where it's zoned as a single-family residential lot,” said Sam Landy, CEO of UMH Properties.Landy says COVID-19 sparked the idea for the “care cottages,” but he expects there to be interest in them beyond the pandemic.The company has received dozens of people asking about the care cottages since it started marketing them in September.If you have older family members moving into your home instead, AARP recommends having certain parameters around chores and expectations. Privacy can be a concern for an older adult who has lived alone for a long time. You also need to prepare your home for things like trip hazards. 2018

Four lions at the Barcelona Zoo tested positive for coronavirus, according to veterinary officials. This is the second report of large felines contracting the disease at a zoo.Barcelona Zoo in Spain says two staff members also tested positive for COVID-19 during the outbreak last month, in addition to four of their lions, according to the BBC: Zala, Nima, Run Run, who are all females, and one male, Kiumbe. A statement from the zoo said the animals had been showing upper respiratory symptoms, and were given a coronavirus test.“The Zoo has worked with international experts such as the Veterinary Service of the Bronx Zoo, the only one that has documented cases of Sars-CoV-2 infection in felines,” a statement from the zoo reads.In April, four tigers and three lions tested positive for COVID-19 at the Bronx Zoo."The lions were given veterinary care for their mild clinical condition - similar to a very mild flu condition - through anti-inflammatory treatment and close monitoring, and the animals responded well,” a statement from Barcelona Zoo reads.The zoo reports most symptoms have improved in the lions, other than some minor coughing and sneezing.An investigation is underway to determine how the lions became infected in Barcelona, according to the BBC they may have been in contact with an asymptomatic staff member. 1340