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j yen to php Kenyans decry continued abduction of government criticsOne of my main goals in investing is to simplify it as much as possible. While in-depth analysis may be beneficial in some instances, effective investing can, for the most part, be as simple as consistently investing in the S&P 500 . Tracking the largest 500 U.S. companies in the stock market, the S&P 500 acts as a de facto representation of the U.S. economy. The index consists of the top companies leading the top industries in the U.S., so as they go, so does the U.S. economy. If you're looking to invest in the S&P 500 in December, look no further than the Vanguard S&P 500 ETF ( VOO 0.20% ) . VOO data by YCharts. Should you go with the standard or equal-weight S&P 500 ETF? Most S&P 500 exchange-traded funds (ETFs) are market-cap weighted, so larger companies (by market capitalization ) make up more of the fund than smaller companies. As an example, here are the top 10 holdings of the Vanguard S&P 500 ETF: Company Percentage of the ETF Apple 7.11% Nvidia 6.76% Microsoft 6.26% Amazon 3.61% Meta Platforms 2.57% Alphabet (Class A) 2.08% Alphabet (Class C) 1.72% Berkshire Hathaway (Class B) 1.71% Broadcom 1.64% Tesla 1.44% Source: Vanguard. Percentages as of Oct. 31, 2024. Market caps fluctuate with stock-price changes, and the weight of each holding is also adjusted quarterly, but the above table gives at least a snapshot of how companies' sizes compared to each other as of Oct. 31. For perspective, Apple's market value as of Dec. 4 was around $3.7 trillion, while News Corp -- the ETF's smallest holding -- had a market cap of around $17.5 billion. On the other hand, there are equal-weight S&P 500 ETFs, in which each S&P 500 company accounts for roughly the same portion of the fund. Recently, these have grown in popularity. In December and heading into the new year, I believe investing in a standard, market-cap-weighted S&P 500 ETF is a good choice because its largest positions are some of the world's top companies and have a lot of momentum behind them. Considering the growth opportunities in areas like artificial intelligence (AI), cloud computing , cybersecurity, semiconductors, and electric vehicles, this ETF's top holdings (almost 35% of the ETF) have an opportunity to continue the impressive run we've seen recently from mega-cap stocks. Why the Vanguard S&P 500 and not another ETF? Aside from the Vanguard S&P 500, there are a couple of popular S&P 500 ETFs like the SPDR S&P 500 ETF Trust and the iShares Core S&P 500 ETF . Each of these mirrors the S&P 500, so there's no tangible difference between them besides the costs. The Vanguard S&P 500 ETF and iShares CORE S&P 500 ETF have expense ratios of 0.03%, but the SPDR S&P 500 ETF Trust's expense ratio is more than three times higher at 0.0945%. How much of a difference can that relatively small amount in fees make? Let's imagine you invest $500 monthly into the three ETFs and average 10% annual returns over 25 years. With the Vanguard and iShares ETF, you would've paid around $2,600 in fees over that time. With the SPDR ETF, you would've paid around $8,300. If you're wondering why I chose the Vanguard ETF over the iShares ETF, the answer is that the Vanguard ETF is more actively traded. This makes it easier to buy and sell shares without price swings. Slow and steady wins the race Regardless of which S&P 500 ETF you choose, a great approach would be to dollar-cost average . When you do this, you decide how much you can invest in the S&P 500 and then establish an investing schedule that you stick to no matter what the prices are at the time. For example, if you decide you can invest $300 monthly into an S&P 500 ETF, you could invest $75 every Monday, $150 every other Friday, $300 at the start of each month, or whatever makes the most sense for your personal situation. The frequency of your investments isn't as important as sticking to your schedule. Consistent investments in the S&P 500 have proven to be one of the surest ways to build wealth over the long haul.Social media users are misrepresenting a Vermont Supreme Court ruling , claiming that it gives schools permission to vaccinate children even if their parents do not consent. The ruling addressed a lawsuit filed by Dario and Shujen Politella against Windham Southeast School District and state officials over the mistaken vaccination of their child against COVID-19 in 2021, when he was 6 years old. A lower court had dismissed the original complaint, as well as an amended version. An appeal to the U.S. Supreme Court was filed on Nov. 19. But the ruling by Vermont's high court is not as far-reaching as some online have claimed. In reality, it concluded that anyone protected under the Public Readiness and Emergency Preparedness Act, or PREP, Act is immune to state lawsuits. Here's a closer look at the facts. CLAIM: The Vermont Supreme Court ruled that schools can vaccinate children against their parents' wishes. THE FACTS: The claim stems from a July 26 ruling by the Vermont Supreme Court, which found that anyone protected by the PREP Act is immune to state lawsuits, including the officials named in the Politella's suit. The ruling does not authorize schools to vaccinate children at their discretion. According to the lawsuit, the Politella's son — referred to as L.P. — was given one dose of the Pfizer BioNTech COVID-19 vaccine at a vaccination clinic held at Academy School in Brattleboro even though his father, Dario, told the school's assistant principal a few days before that his son was not to receive a vaccination. In what officials described as a mistake, L.P. was removed from class and had a “handwritten label” put on his shirt with the name and date of birth of another student, L.K., who had already been vaccinated that day. L.P. was then vaccinated. Ultimately, the Vermont Supreme Court ruled that officials involved in the case could not be sued. “We conclude that the PREP Act immunizes every defendant in this case and this fact alone is enough to dismiss the case,” the Vermont Supreme Court's ruling reads. “We conclude that when the federal PREP Act immunizes a defendant, the PREP Act bars all state-law claims against that defendant as a matter of law.” The PREP Act , enacted by Congress in 2005, authorizes the secretary of the Department of Health and Human Services to issue a declaration in the event of a public health emergency providing immunity from liability for activities related to medical countermeasures, such as the administration of a vaccine, except in cases of “willful misconduct" that result in “death or serious physical injury.” A declaration against COVID-19 was issued on March 17, 2020. It is set to expire on Dec. 31. Federals suits claiming willful misconduct are filed in Washington. Social media users described the Vermont Supreme Court's ruling as having consequences beyond what it actually says. “The Vermont Supreme Court has ruled that schools can force-vaccinate children for Covid against the wishes of their parents,” reads one X post that had been liked and shared approximately 16,600 times as of Tuesday. “The high court ruled on a case involving a 6-year-old boy who was forced to take a Covid mRNA injection by his school. However, his family had explicitly stated that they didn't want their child to receive the ‘vaccines.’” Other users alleged that the ruling gives schools permission to give students any vaccine without parental consent, not just ones for COVID-19. Rod Smolla, president of the Vermont Law and Graduate School and an expert on constitutional law, told The Associated Press that the ruling “merely holds that the federal statute at issue, the PREP Act, preempts state lawsuits in cases in which officials mistakenly administer a vaccination without consent.” “Nothing in the Vermont Supreme Court opinion states that school officials can vaccinate a child against the instructions of the parent,” he wrote in an email. Asked whether the claims spreading online have any merit, Ronald Ferrara, an attorney representing the Politellas, told the AP that although the ruling doesn't say schools can vaccinate students regardless of parental consent, officials could interpret it to mean that they could get away with doing so under the PREP Act, at least when it comes to COVID-19 vaccines. He explained that the U.S. Supreme Court appeal seeks to clarify whether the Vermont Supreme Court interpreted the PREP Act beyond what Congress intended. “The Politella’s fundamental liberty interest to decide whether their son should receive elective medical treatment was denied by agents of the State and School,” he wrote in an email to the AP. “The Vermont Court misconstrues the scope of PREP Act immunity (which is conditioned upon informed consent for medical treatments unapproved by FDA), to cover this denial of rights and its underlying battery.” Ferrara added that he was not aware of the claims spreading online, but that he “can understand how lay people may conflate the court's mistaken grant of immunity for misconduct as tantamount to blessing such misconduct.” John Klar, who also represents the Politellas, went a step further, telling the AP that the Vermont Supreme Court ruling means that “as a matter of law” schools can get away with vaccinating students without parental consent and that parents can only sue on the federal level if death or serious bodily injury results. — Find AP Fact Checks here: https://apnews.com/APFactCheck .

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CONWAY, S.C. (AP) — Jestin Porter had 26 points in Middle Tennessee's 95-88 win over South Florida on Friday. Porter shot 9 for 12 (4 for 6 from 3-point range) and 4 of 4 from the free-throw line for the Blue Raiders (5-1). Essam Mostafa scored 20 points and added 10 rebounds. Kamari Lands shot 6 for 12, including 4 for 8 from beyond the arc to finish with 17 points. The Bulls (3-3) were led in scoring by Jayden Reid, who finished with 18 points, four assists and three steals. Jamille Reynolds added 17 points and nine rebounds for South Florida. Kasen Jennings finished with 13 points. Middle Tennessee led 51-33 at halftime, with Porter racking up 14 points. Mostafa led the way with a team-high 14 second-half points. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .Truckloads of Cheer: Truck Master Warranty Donates Toy Trucks to Children's Hospitals for the Holidays

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The surging Orlando Magic seek their eighth win in the last nine games on Saturday when they host the visiting Detroit Pistons. Orlando is returning home from a three-game Western swing in which it went 2-1, rebounding from a 104-93 loss to the Los Angeles Clippers on Wednesday with a 119-118 defeat of the Lakers on Thursday. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. The aging of the Baby Boomer generation (those born between 1946 and 1964) has significantly increased the share of the U.S. population aged 55+ during the past decade: from 24.9% in 2010, to 30.2% in 2023. And a growing number of these Americans are opting to age in place or downsize—creati... Click for more. American Cities With the Oldest HomebuyersDrew Allar on dealing with criticism at Penn State and, specifically, critics of him

Following on with some more crime news, a 23-year-old man has been arrested after threatening a driver with a knife, stealing their car and then leading police on a high-speed chase through multiple suburbs. Armadale detectives have charged the man from Harrisdale, who is due to appear in court today, with armed robbery, failing to stop, reckless driving, no authority to drive, giving false details to police and possessing cannabis. The man was riding his bike when he allegedly approached a man driving a Nissan Pulsar sedan on Campbell Road in Armadale near the intersection of Masuli Way. He was allegedly armed with a knife and threatened the driver, who exited the vehicle before the accused drove away with the victim’s car. About 6pm, police sighted the stolen vehicle and immediately activated the emergency lights and siren on an unmarked Police vehicle and tried to block the path of the car. The accused allegedly drove the car over a verge and around some low fencing and onto Harbour Road, then failed to stop, and drove in a reckless manner through the suburbs of Armadale, Haynes, Camillo and Champion Lakes before losing control of the vehicle and hitting a tree on Railway Avenue in Kelmscott. He was taken into custody. A woman living near the Great Southern town of Albany has been arrested by police over an alleged fraudulent plan to claim close to $2.3 million from her insurance company. The 50-year-old owned and worked in a bakery in Spencer Park, which burned down in October. Police and firefighters were called to the scene and extinguished the flames, but it was too late to save the building. A staff member was taken to hospital and treated for smoke inhalation. There was significant structural and roofing damage to the premises, as well as extensive smoke damage. The damage cost was estimated at $955,000. The woman then lodged an insurance claim. Her policy stated she was entitled to $500,000 for contents insurance, and a further $2.2 million in business interruption compensation. Police have alleged she deliberately set the fire to claim this money. She has been charged with criminal damage by fire and attempting to gain benefits by fraud, and is due to appear before the Albany Magistrates Court on December 12. To some health news first and WA has recorded hundreds of cases of whopping cough in October, the largest number recorded since 2015. There were 220 reported cases that month, predominantly among school aged children. Those figures come after record low levels during the COVID-19 pandemic. The community has been urged to check they are up-to-date with vaccines. Credit: Louise Kennerley Director of communicable diseases Dr Paul Armstrong said vaccination was the best way for people of all ages to protect themselves and others against whooping cough. “If you are pregnant, it’s important to get vaccinated to help protect your baby as infants are at greatest risk of severe illness from whooping cough,” he said. “Antibodies produced from vaccination during pregnancy are transferred to your unborn baby and help protect infants against whooping cough until they can receive their own vaccinations starting at six to eight weeks old.” Armstrong said it was also important for parents and carers to get children and adolescents vaccinated on time. “Although we are seeing an increase in whooping cough across all age groups, cases are highest in school-aged children – older children and adults are often the source of infection for infants,” he said. Whooping cough causes a respiratory illness which normally starts with common cold-like symptoms such as a blocked or runny nose, tiredness, mild fever and an occasional cough. People with whooping cough can spread the infection in the first three weeks of showing symptoms. Here’s what’s making headlines today: Protesters against South Korean President Yoon Suk Yeol call for his impeachment. Credit: Bloomberg A cool 24 degrees today, with a clearing shower. Good morning, readers and welcome to our live blog for Wednesday, December 4. Today, the state’s high-achieving schools in the 2024 NAPLAN testing can be revealed. The students at those schools showed above-average literacy and numeracy results when compared to others with a similar background. Read more from education reporter Holly Thompson here. Charlie Jaques (left), Chianna Taylor, Sharnicqua Mills, Lisa Ledger, and Eric Yang from Baynton West Primary School. Residents living on a quiet cul-de-sac in Ascot have raised concerns over a proposal by Perth Racing to build a three-storey complex for 400 horses just 10 metres from their homes. Bruce Hunt says he bought his home 24 years ago for the tranquillity. That peace could soon be shattered. In some good news for those looking to buy in Perth, the median time a home takes to sell has finally increased – up to 13 days from the nine-day low recorded for most of the year. REIWA chief executive Cath Hart said this was because there were (finally!) more new listings on the market. And, some humour for your mid-week slump, contributor Brendan Foster has written an opinion piece about the summer holidays. While public schools still have a week to go, Foster writes the school he sends his child to will finish for the year on Thursday. “I adore my son. But eight weeks of trying to keep my newly minted teenager cheerful and engaged while my partner and I hold down full-time jobs is going to take more planning than the Battle of Stalingrad,” he writes. How many of you agree? Stick with us as more news breaks. We’ll also let you know when we hear more about WA grandmother Donna Nelson, who is being sentenced in Japan today.FACT FOCUS: Vermont ruling does not say schools can vaccinate children without parental consentNew Covent Garden fruit and veg sellers have no time for Gregg Wallace, who went bust owing lots of them cash

The United Nations humanitarian coordinator for Syria announced on Saturday that the Organization is removing non-critical staff from the country, emphasizing that this is a precautionary step to protect UN personnel “while maintaining essential operations”. “The UN is strategically reducing its footprint by relocating non-critical staff outside the country... amid the evolving circumstances,” Adam Abdelmoula said in a statement issued by the UN Office for the Coordination of Humanitarian Affairs, known as OCHA. At the same time, the UN Resident and Humanitarian Coordinator stressed that “this is not an evacuation and our dedication to supporting the people of Syria remains unwavering,” and stressed that “rumours suggesting that the United Nations is evacuating all staff from Syria are false.” “The United Nations remains steadfast in its commitment to stay and deliver life-saving assistance to the people of Syria during this critical time,” Mr Abdelmoula stated. Dire humanitarian situation More than 300,000 people have been uprooted in northwest Syria in recent days following the sudden and massive offensive into Government-controlled areas led by Hayat Tahrir al-Sham (HTS), which is sanctioned by the UN Security Council as a terrorist group. According to Mr Abdelmoula, the humanitarian situation “continues to deteriorate” with many of the displaced “seeking refuge in the northeast and others trapped in front-line areas, unable to escape”. “Civilian casualties, including women and children, continue to rise, underscoring the urgent need for coordinated humanitarian action,” he said, calling on all parties to protect civilians and aid workers, at to uphold their obligations under international humanitarian law. Mr. Abdelmoula said that the UN remains operational in Syria, with personnel on the ground ensuring the continuation of vital humanitarian efforts. “Whether delivering food, water, or medical assistance, we are committed to reaching those in need – wherever they may be,” he stated. Call for urgent political talks Meanwhile, on the political front, the UN Special Envoy for Syria, Geir Pedersen, called for urgent talks in Geneva to ensure “orderly political transition”. Speaking to reporters earlier on Saturday in Doha, Qatar, Mr. Pedersen said: “I reiterate my call for de-escalation, for calm, for the avoidance of bloodshed and the protection of civilians in line with international humanitarian law.” Urging the “the start of a process that leads to the realisation of the legitimate aspirations of the Syrian people,” he said that he had just met the ministers of Iran, Russia and Türkiye together, and had consultations with representatives from the United States, France, Great Britain, Germany and the European Union. “I have called for urgent political talks in Geneva to implement Security Council resolution 2254,” he said, recalling the unanimously adopted 2015 text that set out a roadmap for peace in Syria and initiate a Syrian-led political process, four years after the initial outbreak of war in the country, sparked by a civil uprising against the Government. “I'm pleased to say that the ministers and all I'm talking to are backing this call. My hope is that I will be able to announce a date for this very soon,” Mr. Pedersen said. Visit UN News for more.We really don't despise the media enough. Over the weekend, when President Joe Biden pardoned Hunter Biden for 'any and all' crimes during a ten-year period, the same media who said that Biden would never do such a thing changed their tune right quick. They also spent years calling the Hunter Biden crime stories 'misinformation' and 'discredited' in an effort to dismiss the claims and absolve themselves of doing actual journalism. And now they pretend like none of that happened. But we cannot let them get away with it so easily. Here's Leslie Stahl, for example: Remember when Trump tied to bring up Hunter Biden's crimes and Lesley Stahl laughed and called it discredited? pic.twitter.com/Gk6BwCDPWw We don't despise the media enough. We will never hate the media enough. Never. Hunter brackets the entire Biden presidency, he’s being pardoned for this he did which 51 “intelligence experts” denied as Russian disinformation It's also important to remember, this isn't really about Hunter. This was Joe Biden protecting Joe Biden. Hunter was just the bag man. Dear Lesley Stahl: Trump is still waiting for your apology. We hope he doesn't hold his breath. The media is compromised and should be completely ignored at this point. pic.twitter.com/N6B4vZ0IKW Completely ignored. Legacy media has been interfering in our elections for decades. This was just a continuation of that. It sure was. It was 100% real and everyone knew it. https://t.co/w4YCRXNWh9 Everyone. Even the journalists. But they lied. Remember when Lesley Stahl was an honest journalist? Yeah, neither do I. https://t.co/vJh0wcx9tU Was she ever an honest journalist? This has aged well. Stahl and 60 Minutes are exposed as corrupt tools of the DNC. Neither has any credibility. https://t.co/1BkZt077Ah No credibility at all. It’s absolutely disgraceful what the mainstream media has become in their quest for profit. And this has been going on for many years. These people who actively participate are disgusting. It’s been a very long time (more than 2 decades) since I’ve believed anything they say... https://t.co/ENmsJ5rhrr The media aren't in this for profit. This is all politically driven. Exhibit #963 of why nobody trusts legacy media. https://t.co/eQm0BZwP4S Nor should they.

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A history of the Panama Canal — and why Trump can’t take it back on his own