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[ad_1] American Justin Thomas starts the Playoffs ranked number one, followed by rising star Collin Morikawa and Webb Simpson in third position. [ad_2] Source link

[ad_1] Since the Dawn of Mustachianism in 2011, the same question has come up over and over again: “MMM, I see your point that index fund investing is the best option. But when you buy the index, you’re getting oil companies, factory farm slaughterhouses and a million other dirty stories. How can I get the benefits of investing for early retirement without contributing to the decline of humanity?” And in these nine years since then, the movement towards socially responsible investing has only grown. Public pension funds have started to “divest” from oil company stocks, and various social issues like human rights, child labor, climate change or corporate corruption have bubbled to the surface at different times. And all of this has led to the exploding new field of Socially Responsible Investing (SRI), and a growing array of new ways to do it. So it seems that this is not just a passing trend – people just might be starting to care a bit more. And since capitalism is just an expression of human behavior, the nature of capitalism itself may be starting to change. This leads us naturally to the question: What can I do with my money to help fix the world? And even better, is there a way I can make money in the process of fixing it? The answer is a good, solid “Probably.” As long as you don’t get too hung up on getting every last detail perfect, because just like real life, investing is a haphazard and approximate and unpredictable thing. But by understanding the big picture, you can make slightly better decisions on average, which lead to slightly better results. And slightly better results, stacked up consistently over time, can lead to a much better life, or even a much better world. This is true in all of the main areas we care about – personal wealth, fitness and health, even relationships and happiness. And while your money and investments are certainly not the most important thing in life, they are still worthy of a bit of easy and effective optimization. So anyway, the first thing to understand with SRI is, “what problem am I trying to solve?” The answer is, “You are trying to make your investing (especially index fund investing) have a better impact on the world.” On its own, index fund investing is ridiculously simple. You just get an account at any brokerage like Vanguard, Etrade, Schwab or whatever, and dump all your money into one exchange-traded fund: VTI. When you do this, you are buying a stake in 3500 companies at once(!), which is both impressive and overwhelming. How do you even know what you are holding? Well, this is all public information, and easily available with a quick Google search. For example, here’s a list of the top 90 holdings in VTI (click for larger): Top 90 holdings in Vanguard’s VTI Exchange Traded Fund As you can see, the biggest chunk of money is allocated to today’s tech darlings, because this index fund is weighted according to market value, and these are the most valuable companies in the US today. Through a convenient coincidence, the total value of the VTI fund happens to be just under $1 trillion dollars, which means you can just throw a decimal point after the ten billions digit of market value to get a percentage. In other words, about 4.7% of your money will go towards Apple stock, 4.4 towards Microsoft, and so on. Together, these top 90 companies are worth more than the remaining 3,540 companies combined, so these are what really drive your retirement account. And within this list, you will see some of the usual suspects: Exxon and Chevron (oil), Philip Morris (tobacco), Raytheon and Lockheed (bombs), and so on. But what about the less-usual suspects? For example, I happen to think that sugar, and especially sugar-packed beverages like Coke, is the biggest killer in the developed world – a major contributor to 2 million of the 2.8 million deaths each year in the US alone. Should I exclude that from my portfolio too? And what about drug and insurance companies – aren’t they behind the political stalemate and high costs of the US healthcare system? Comcast funded some election disinformation campaigns here in my home town in the early 2010s, should I exclude them too? And if you’re part of a religion that is against charging interest on loans, or in favor of pasta and Pirate costumes, or against a spherical Earth, or any number of additional ornate rules, you may have still more preferences. The higher your desire for perfection, the more difficult this exercise will become. However, if you are like me and you just want to get most of the desired result with minimal effort, you might simply have a look at the Vanguard fund called ESGV. ESG stands for “Environmental, Social and Governance”, and in practice it just means “We have tried to avoid some of the shittier companies according to some fairly simple rules.” And the result is this: Vanguard’s ESGV Exchange traded fund (ETF) – top 90 holdings The first thing you’ll notice is that it’s almost the same. In fact, the top five holdings – Apple, Microsoft, Amazon, Facebook, Alphabet (Google), collectively referred to as the FAANG stocks – are completely unchanged – and this means that there will be plenty of correlation between these funds. It’s also the reason that the stock market as a whole has recovered so quickly from this COVID-era recession: small businesses like restaurants and hair salons have been destroyed by the shutdowns, but big companies that benefit from people staying at home and using computers and phones are making more money than ever. The stock market isn’t the whole economy, it’s just the publicly traded companies, which are the big ones. But let’s look at the biggest differences between the normal index fund versus the social version. The following large companies listed on the left are

[ad_1] If you have kids who love all things LEGO, did you know you can sign them up for a completely free LEGO magazine subscription?! This makes our list of the top magazine subscriptions for kids! {Don’t forget to check out our LEGO Gift Guide and all the recent LEGO Deals!} Free LEGO Magazine Subscription If you have kids who loves LEGOS, I just wanted to remind you about this great FREEBIE! Did you know you can sign up for a completely free LEGO magazine subscription?! There are no strings attached and it’s 100% free! (Well, other than the fact that there’s definitely some marketing and advertising built into each issue about the newest kits coming out…so your kids might get really excited about new LEGO sets that are on the horizon! ;)) Your first issue will arrive within 6-16 weeks. What is LEGO Life Magazine? This magazine used to be called LEGO Club Magazine but in recent years has rebranded to LEGO Life Magazine. It’s designed for kids between the ages of 5 and 9 years old. And after providing your child’s birth date, they will receive this FREE magazines 4 times per year until they are no longer within the age limit window. (And after that, they can download the free LEGO Life app to use!) Each issue is filled with stories, activities, posters, comics, contests, creative building ideas, and more! Kids can even submit their own creations to possibly appear in the magazine! Our Kids Loved LEGO Magazine When they were younger, our kids absolutely loved this magazine. It was always one of their very favorite magazines to get in the mail, and it was SO fun for them to get some of their own snail mail! I have fond memories of our three older kids pouring over the latest LEGO issue and reading it from cover to cover — especially Kathrynne! This magazine provided hours of entertainment for all of our kids without spending a dime! Go here to sign your kid up for a FREE subscription! [ad_2] Source link

[ad_1] Panama-flagged ship boarded by Somali police is safe and underway: EU force [ad_2] Source link

[ad_1] All permanent and special invitees to the CWC have been invited to the meeting, where the leadership issue is also likely to be discussed, besides the current political situation in the country. [ad_2] Source link

[ad_1] Love national parks? Don’t miss the next Free National Park Day on August 25th! {Psst! be sure to also check out these 10 ways to save on visiting National Parks with kids! And don’t forget about the Every Kid In A Park promotion!} Free National Park Day Did you know there are several times per year that National Parks offer completely FREE entrance without having to pay? The next FREE Entrance Day will be on August 25th in celebration of the National Park Service Birthday! See all the entrance-free days for 2020 here. Looking for more FREE kids activities? Go here to see the most recent FREE Kids Activities available! And don’t forget to check out our Kids Eat Free list! What’s your favorite National Park? We’d love to hear in the comments! [ad_2] Source link

[ad_1] Belarus's Lukashenko must leave sooner or later, opposition leader Tsikhanouskaya says [ad_2] Source link

[ad_1] According to data, the number of containment zones had decreased to 496 in the national capital on August 2 and had witnessed a marginal increase to 499 on August 4. [ad_2] Source link

[ad_1] This post may contain affiliate links. Read my disclosure policy here. Wow! Do NOT miss this hot deal at Cents of Style right now! Through August 24th, Cents of Style is offering an extra 30% off their entire site when you use the promo code 30SITEWIDE at checkout! Even better, you can combine this code with sales and clearance items making for some great deals. Here are a few deals we spotted… Get this Lana Relaxed Cardigan for just $14 after the promo code (regularly $49.95)! Get these Ophelia Printed Pants for just $13.96 after the promo code (regularly $39.95)! Get this Tinley Leather Feather Hair Clip for just $4.90 after the promo code (regularly $9.95)! Get this Celie Loose Knit Striped Cardigan for just $10.50 after the promo code (regularly $49.95)! Get this Samara Geometric Print Kimono for just $8.40 after the promo code (regularly $29.95)! Get this Zion Triple Strand Necklace Set for just $10.46 after the promo code (regularly $14.95)! Get these Ruth Thin Twist Bangles for just $7 after the promo code (regularly $14.95)! Get this Amelia Leopard Pocket Tank for just $10.50 after the promo code (regularly $24.95)! Shipping is $2.99 or free on orders over $35. Valid through August 24, 2020. [ad_2] Source link

[ad_1] More than half of Spanish companies reopen after closing at height of pandemic [ad_2] Source link