Once again, Eater 38 stalwart and vegan standby The Sudra is heading south. After closing its St. Johns location and nabbing a new spot on North Mississippi, the vegan cafe is ditching its remaining restaurant and reopening just a few blocks down, in the newly vacant Tapalaya space.

Weve had an amazing 6 years at the Ocean micro restaurant complex, but were ready to move on, writes Sudra owner Sanjay Chandrasekaran in an emailed statement. We love our neighbors and our landlord but the lease was up and we realized it was time for a big change in the form of a bigger space.

Chandrasekaran hopes to open within the month, depending on how quickly the OLCC can approve a new liquor license, adding a small remodel to the space and some new dishes to the menu.

Anh Luu closed her Vietnamese-Cajun restaurant Tapalaya closed earlier this week, attributing the decision to some unresolved grief: She opened her restaurant around the same time her mother died.

The Sudras location near Han Oak and Stoopid Burger will close in late October, reopening at 28 NE 28th Avenue.

The Sudra [Official] Vegan Indian Mainstay The Sudra Has Said Goodbye to St. Johns [EPDX] An Essential Spot for Vegan Indian Food Is Opening a Restaurant on Mississippi [EPDX] It Looks Like Viet-Cajun Restaurant Tapalaya Will Close by October [EPDX]

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Essential Portland Vegan Restaurant the Sudra Will Open in the Tapalaya Space - Eater Portland

Its Friday, which means its time for the weekly EaterWire round up of all those news items we didnt quite cover. This weeks food news cycle involved a drone accomplice in a food cart burglary and the sudden closure of a handful of Portland standbys, but a few stories did fall through the cracks. Read on for more:

VEGGIE HEAVEN Portland was ranked the best city in the country for vegetarians and vegans, based on factors like the percentage of restaurants with vegan options and smoothie bars per capita. Los Angeles came in second, followed by Orlando. [WalletHub]

DONATION DANGER An email obtained by Seattle alt mag The Stranger indicates Pacific Northwestern coffee chain Caffe Vita fired employees for giving leftover food and coffee to homeless patrons. Although these were well placed intentions, please understand, it is our belief that feeding homeless people without comprehensive services actually enables, increases and promotes homelessness, the email reads; reports from the National Coalition for the Homeless discredit this hypothesis. Co-owner Liz McConnell said the reasoning behind the firings was confidential but for cause; the former manager and author of the email has since quit the company. There is a Caffe Vita location on NE Alberta, but its unclear if theyre under the same scrutiny for this practice. [The Stranger]

ONE DOOR CLOSES Three Doors Down Cafe, the Hawthorne neighborhood Italian restaurant, is changing ownership. Not much should change from the customers side of things, however; the new owners plan to keep some of the restaurants staples like tortiglioni with original co-owner Dave Marths vodka sauce, and the staff will not change. New co-owner Michael Galloway has run several Italian restaurants in the Seattle area; his partner, Jeff Saulsbury, is a Portland native. [Portland Mercury]

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Portland Ranked the Countrys Best City for Vegetarians and Vegans - Eater Portland

If you haven't noticed, people feel very strongly about the Costco Food Court. And they specifically feel some feelings about the hot dogs. Even Julia Child reportedly loved them! Well, now even vegans want to get in on the fun, as more than 2,000 people have signed a petition for Costco to add a vegan hot dog to its menu.

According to Business Insider, the Change.org petition was created by Scott Hildebrand, who said he wanted a plant-based option that he and his family could eat when they visit the store. Apparently, thousands agreed. At the time of this writing, 2,014 people have signed the petition, making it very likely that it would reach its goal of hitting 2,500.

"Our family, like countless others, are regulars at Costco. I'd love to see them extend plant-based options to the food court, so we can enjoy veggie hot dogs after a Sunday shopping trip," he told BI.

It may sound out there, but a meatless hot dog would not be out of the ordinary these days. In fact, Costco added items like a meatless burger and an acai bowl to its food court menu in recent months. Competitors like IKEA have even announced they'll be adding a meatless version of their famous meatballs in 2020. Delish reached out to Costco in regard to the petition but did not immediately hear back.

It's unclear if this petition will be successful, but I think we can all agree...no one should put ketchup on a hot dog. Veggie or otherwise.

Excerpt from:

People Really Want Costco To Add A Vegan Hot Dog To Its Food Court - Delish

Until recently, investing was a pain. If you were lucky, youd spend an hour on the phone with a financial advisor. Then, youd cross your fingers until the quarterly report arrived.

With todays best investment apps, all it takes is a few taps. You can receive a tailored portfolio or trade your own stocks, check your portfolios performance, and shift money around without ever talking to a human being. And because both traditional brokerages and fintech startups offer investing apps, youre likely to find one perfect for you.

These 15 apps provide a painless route to investing for everyday investors.

Here are 15 of the best options for everyday investors:

1. Best investment app for high-end investment management: Round

Investment apps are increasingly turning to robo advisors. Although Round uses an automated questionnaire to generate its users portfolios, it works with fund managers like Guggenheim Partners, Doubleline, and Gabelli to provide individual investors with access to institution-grade investments.

Rounds institutional managers lean heavily on alternative assets and strategies, including asset-backed securities, real estate, and merger arbitrage. No matter the account value, Round charges a 0.5% management fee. In the event of a negative return, however, Round waives its monthly fee.

2. Best investment app for minimizing fees: Robinhood

For investors who want to do it themselves and pay as few fees as possible, Robinhood is one of the best investment apps. With no commissions and a $0 account minimum, Robinhood cuts out most of the costs typically associated with investing apps.

Unfortunately, Robinhood users do make some sacrifices. Robinhood doesnt offer any retirement accounts or managed portfolios, meaning all investments made through the app are taxable and self-managed. Its relatively bare-bones for an investing app, but its the best way to trade individually for free.

3. Best investment app for student investors: Acorns

Every investor has to start somewhere. To cater to the fledgling demographic, Acorns provides free management for college students. Unlike most investing apps, it also offers a spare change savings tool, which rounds up purchases users make at select retailers. The difference between the balance due and the next dollar is then invested in the users Acorns account.

But be warned: Acorns flat fees can be stiff for those with smaller account balances. For $1, $2, or $3 per month depending on the users account balance Acorns offers a passive portfolio of ETFs.

4. Best investment app for data dissectors: E*Trade

Through the Power E*Trade app, do-it-yourself investors can buy into a wide range of assets. E*Trades stocks, mutual funds, ETFs, futures, and options are backed by its best-in-class research library. There, E*Trade provides interactive charts and expert studies. Users of the investing app can dig deep into earnings, dividends, company news, and metrics like debt-to-equity ratio.

In exchange for that data, E*Trade does charge steeper commissions, at $6.95 per trade, than many providers on this list. Due to its educational tools and array of assets, this investing app is a smart pick at the poles: Beginning investors will appreciate the help building a risk-aligned portfolio, while veterans will like its professional-grade investment options.

5. Best investment app for banking features: Stash

Like Acorns, Stash is one of the best investing apps for beginners. Where Stash stands out is its account options: For a flat $3 monthly fee, users get brokerage, bank, and retirement accounts. At the $9-per-month level, they also receive two custodial accounts, monthly investment research, a stronger rewards structure, and an upgraded debit card.

Stash requires just $5 to open an account, and users can purchase fractional shares in stocks and ETFs. Unfortunately, though, Stash only offers about 150 stocks and 60 ETF options. To make their holdings more obvious to beginners, Stash renames ETFs with monikers, such as Clean & Green for the iShares Global Clean Energy ETF.

6. Best investment app for customer support: TD Ameritrade

Another brokerage competing in the investing app space, TD Ameritrade doesnt require a minimum investment. It does, however, charge a comparatively expensive $6.95 per trade. Options cost even more, with a $0.75-per-contract upcharge.

Why would users pay TD Ameritrades fees? Because its asset options and customer support are second to none. Traders can choose between stocks, bonds, ETFs, mutual funds, futures, foreign currencies, ADRs, and more. If they need help, they get 24/7 phone, text, and instant messaging support. And if thats not enough, they can stop into one of TD Ameritrades 364 branch locations.

7. Best investment app for parents: Stockpile

Founded by a CEO who wanted to give his nieces and nephews something more substantial than toys for the holidays, Stockpile lets investors buy blue-chip stocks and ETFs via gift cards. Although this investing app makes sense for parents who want to pique their kids interest in investing, beware its fee structure.

For a standard trade, Stockpile charges $0.99. Gift cards, however, cost $2.99 for the first stock and $0.99 after that. And if you buy the gift card with a credit or debit card, expect to pay an additional 3%. Although kids may not care, Stockpile users cant see company balance sheets or portfolio performance projections.

8. Best investment app for overspenders: Clink

If youd rather shop than save, Clink may be the best investment app for you. By linking your credit card and bank account to the app, you can invest a percentage of recreational purchases. Alternatively, you can schedule a fixed amount to be transferred into your Clink account on a monthly or daily basis.

Clink investors currently pay no fees, nor do they need a minimum deposit. Instead, Clink collects receives kickbacks from the ETF sponsors offered. ETFs are currently Clinks only asset option, unfortunately, and theyre only available in bundles based on the users risk tolerance.

9. Best investment app for total automation: Wealthfront

Similar to Betterment and other robo advisors, Wealthfront invests in passive portfolios and charges a management fee of just 0.25%. Though the investing app requires a $500 account minimum, it does support daily tax-loss harvesting or realizing losses to offset taxes on capital gains.The value of tax-loss harvesting is limited for everyday investors, but it remains popular among robo-advisor apps.

To make the most of Wealthfront, though, your balance needs to fall in its sweet spot. Unlike many robo-advised apps, Wealthfront doesnt deal in fractional shares. Serious investors should look elsewhere, too: Although it does offer extras like the Wealthfront Risk Parity Fund to six-figure accounts for an extra fee, theres no human management option or bonus for large balances.

10. Best investment app for human customer service: Personal Capital

Personal Capitals minimum balance may be high, but its featured savings tools are robust. Those who can meet its $100,000 minimum get a combination of human and robo advisors. Accounts over $200,000 are assigned to dedicated financial advisors. Although Personal Capitals management fee is a stiff 0.89%, investors with large balances may pay as little as 0.40%.

What do users get for those fees? A pile of financial planning tools, including ones to track spending, net worth, retirement progress, portfolio performance, and more. Two new features include Personal Capital Cash, a savings-like account with a 2.3% interest rate, as well as a retirement paycheck planner, which lets investors project their withdrawals during retirement.

11. Best investment app for data security: M1 Finance

Claiming to be one finance account that does it all, M1 Finance might be the toughest-to-categorize investing app on this list. A hybrid broker and investment management app, M1 allows for both self-serve and robo-advised investing.

Although M1 does have some drawbacks, as a free platform with no account minimum, its data security measures are strong. In addition to the typical two-factor authentication, M1 uses 4096-bit encryption for data transfer and storage. On the downside, M1 doesnt provide tax-loss harvesting, nor does it offer as many asset types as traditional brokerages.

12. Best investment app for introductory offers: Ally Invest

Catering to both new and experienced investors, Ally Invest has a solid selection of educational materials and a fair fee structure. But the reason its on this list of top investing apps is its bonuses: With only a $10,000 deposit, investors earn $50, plus 90 days of commission-free trades. For larger deposits, that bonus amount goes as high as $3,500.

Although Allys fees are higher than many app-first tools, theyre lower than the other online brokerages on this list. Stock and ETF trades are subject to a $4.95 commission, plus $0.65 for options contracts. If youre an active or wealthy trader, though, those fees drop to $3.95 with an additional $0.50 for options. Thats not bad, especially given Allys intuitive app and resources.

13. Best investment app for socially responsible investing: Betterment

Young investors, in particular, like to support socially responsible companies. To reach them, Betterment offers a best-of-breed socially responsible investing (SRI) portfolio. Compared to its core portfolio, Betterments large-cap SRI holdings score 42% higher on its social responsibility index. The other assets in this investing apps SRI portfolio are mostly broad-market ETFs.

With $15 billion in assets under management, Betterment recently split its services into Betterment Digital with no account minimum and a 0.25% management fee and Betterment Premium. For a $100,000 minimum and a 0.40% fee, Betterment Premium provides unlimited phone sessions with certified financial planners.

14. Best investment app for index investing: Vanguard

One of the oldest and lowest-cost investment providers, Vanguards investing app could admittedly use some work. If you can handle a confusing interface, though, youll find few better options for buying into mutual funds and ETFs.

Vanguard charges no commissions for trading but does receive fees on its own ETFs. Plus, users who receive their account documents electronically pay no account service fees. And believe it or not, Vanguard doesnt require a minimum balance, either.

15. Best investment app for couples: Twine

Saving as a couple that doesnt completely share finances can be tough. If youve got a wedding or vacation ahead but still want to keep separate bank accounts, check out this investing app. Backed by John Hancock, Twine charges $0.25 per month for every $500 invested.

Although that fee structure is on par with other digital investment providers, Twines investment options are not. Twine gives users just three portfolio choices: conservative, moderate, or aggressive. Even more limited is its all-ETF asset mix, covering stocks as well as bonds. Twine is a fair pick for short-term savers who are new to investing.

Investing apps can be a godsend for individual investors who need a painless way to invest in stocks. Not all apps are created equal, but these 15 offer a good place to start.

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The 15 Best Investment Apps For Everyday Investors - Forbes

An investment bank in a report released Monday said the fears among Wall Street of the effects of a potential Warren presidency may be overblown.

RBC Capital Markets's head of U.S. equity strategy, Lori Calvasina, said in a report the negative effects of Sen. Elizabeth WarrenElizabeth Ann Warren40 state attorneys general to take part in Facebook antitrust probe: report Overnight Health Care Presented by Coalition Against Surprise Medical Billing Buttigieg unveils aggressive plan to lower drug prices | Supreme Court abortion case poses major test for Trump picks | Trump takes heat from right over vaping crackdown On The Money: Judge tosses Trump lawsuit over NY tax return subpoena | US, Japan sign trade deals | Trump faces narrowing window for trade deals | NBA sparks anger with apology to China MORE's (D-Mass.) economic policies would be "temporary," according to Bloomberg.

"Any pain from a Warren win is likely to be temporary," Bloombergsaid Calvasina wrote in the report. "Most of the sectors at high risk under a Warren presidency from a policy perspective (Financials, Energy, Health Care, Industrials) are already deeply undervalued versus the broader market.

The biotechnology, for-profit schools and health insurance sectors have developed concerns about Warren's consumer-focused advocacy, the report said, according to Bloomberg.

Calvasina said in the report Warren could back environmental, social and corporate governance investments, and small caps may outreach larger stocks because of a lower effect from Warren's policies.

Stocks would be negatively impacted by any separation of big technology companies, but retailers that couldn't outcompete Amazon could benefit from the potential technology breakups, according toBloomberg's reporting.

The stock market tends to go up over time, regardless of who occupies the White House, Calvasina wrote. Ultimately we think Corporate America and U.S. equity investors would learn to adapt to new political leadership, as they always do.

Wall Street has voiced concern over Warren's economic plans, with Democratic Wall Street donors even threatening to donate to President TrumpDonald John TrumpTrump campaign slams Minneapolis mayor, Target Center for 'attempting to extort' them with rally security fees Susan Rice calls Trump decision to pull troops from Syria 'batshit crazy' Ex-Trump officials met with Zelensky campaign aides at Trump hotel earlier this year: report MORE's reelection campaign if Warren is the nominee.

The Massachusetts senator has been soaring in the polls, competing closely with the main front-runner of the race, former Vice President Joe BidenJoe BidenA dozen House Democrats call on EU ambassador to resign amid Ukraine scandal Ex-Trump officials met with Zelensky campaign aides at Trump hotel earlier this year: report Overnight Health Care Presented by Coalition Against Surprise Medical Billing Buttigieg unveils aggressive plan to lower drug prices | Supreme Court abortion case poses major test for Trump picks | Trump takes heat from right over vaping crackdown MORE.

Warren has pushed for economic changes that work "for all of us, not just the wealthy and well-connected."

I'm fighting for an economy and a government that works for all of us, not just the wealthy and well-connected. I'm not afraid of anonymous quotes, and wealthy donors don't get to buy this process. I won't back down from fighting for the big, structural change we need. https://t.co/nx7GczQhHl

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Investment bank says fears of effects of Warren presidency might be overblown | TheHill - The Hill

The stock market has dramatically outperformed gold as an investment over the long run. However, when investors get worried about the prospects for stocks, they often turn to gold for its reputation as a safe-haven investment. Despite a strong performance for stocks so far in 2019, gold has recently seen its price rise substantially, and some of the precious metal's best days come when investors seem worried about whether the 10-year-old bull market in stocks can continue.

If you want to add gold to your investment portfolio, however, there are multiple ways to do it. Investing in gold coins and bullion ensures that you'll get direct exposure to the ups and downs in the gold market, but doing so involves going to specialized dealers and coming up with ways to store the yellow metal safely. Some exchange-traded funds, such as the SPDR Gold Trust (NYSEMKT:GLD), allow indirect ownership of gold bullion, collecting fees to store and manage the precious metal. Other ETFs, including the VanEck Vectors Gold Miners (NYSEMKT:GDX) and the VanEck Vectors Junior Gold Miners (NYSEMKT:GDXJ), invest in companies that mine gold and other precious metals, and these companies tend to do better when gold prices are strong.

As you can see below, the performance so far in 2019 dramatically favors gold mining company stocks over gold bullion itself.

Data source: Ycharts. Chart by author.

It might seem odd that large-cap gold miners have done better than their small-cap counterparts. In many industries, smaller companies are nimbler and better able to respond to changing conditions. Yet even when bullion prices cooperate, small mining companies often have operational challenges that can jeopardize their long-term financial viability. Even over longer periods of time, the industry's giants have tended to see their stocks have stronger returns than small companies in the mining industry.

Many financial experts don't like physical gold as an investment, including most notably legendary investor Warren Buffett. But mining companies are businesses first and gold plays second, and well-run miners can produce profits that can in turn lead to solid investment performance.

See original here:
A Foolish Take: The Best Way to Invest in Gold - The Motley Fool

According to a Nature analysis, private funding of quantum startups in 20172018 more than quadrupled from the two years prior. Companies looking to leverage quantum mechanics for mind-boggling levels of computation pulled in at least $450 million in 2017 and 2018.

That registers higher than flirtation, but compared to investors' more mature loveAI startupsquantum is still a crush. Over the last 10 years, VCs have invested tens of billions into AI startups, which have flourished with breakthroughs in deep learning in the early 2010s.

Investors believe in the commercial possibilities of quantum, a sector that's notched R&D advances and released early-stage commercial products. But quantum is largely unproven and there aren't too many useful, real-world applications yet. The breakthroughs will come when quantum computers start solving problems that today's supercomputers can't (aka quantum advantage).

If quantum upstarts can't commercialize their technology fast enough or bigger firms beat them to the chase, private investment wont continue to scale like it has with AI.

More:
Private Investment in Quantum Reached $450 Million in 2017 and 2018 - Morning Brew

Robin Perches sent her oldest son to Central Washington University this fall to begin his bachelors degree in computer science and art.

The 38-year-old said shes always hoped that her children would see college as an attainable goal an expectation. But she said that dream wouldnt have been possible without the Mollie Davis Scholarship, a local fund supporting its 10th cohort of Yakima students in pursuing degrees this school year.

In 2009, Perches moved to Yakima from the Tri-Cities. She came from a background of poverty and struggle, she said, and turned to a community organization to find housing in her new city. After finding a place to live, she was able to access counseling services and begin work at the YWCA Yakima through a welfare-to-work program, which is aimed at building self-sufficiency among struggling populations.

I came from poverty and had a lot of problems and had a lot of people help me along the way, and so I received a lot of services, she said. As I was receiving services I thought, Well, I want to do that for someone one day.

Perches began pursuing an associate degree at Yakima Valley College while working full time and raising her two sons. Then she heard about the Mollie Davis Scholarship: a fund specifically for Yakima residents pursuing two- and four-year degrees, with a need-based emphasis.

While Perches continued to work full-time to make ends meet, the scholarship helped cover the cost of college courses. She graduated from Heritage University in 2013 with a bachelors in social work and just $6,000 in student loans.

From there, she was hired to work at Yakima Neighborhood Health Services doing outreach with people experiencing homelessness. In May, she will graduate from Eastern Washington University with a masters in behavioral health as her son wraps up his first year of college. Shes proud to able to financially support him as he works to attain his education.

Thats why I really like the Mollie Davis Scholarship, because I feel like its really an investment in Yakima and in educating people here, so that our kids can get educated, she said. Its a generational thing, where hes not going to have to go through the things that I had to go through because I was able to get that bachelors degree.

Ten years of scholars

The Mollie Davis Scholarship began in 2009 after Yakima resident Mary Monroe Davis, known to friends as Mollie, died in 2008 at age 94. While her wealth was largely unknown during her lifetime, Davis left $20 million to be distributed by the Yakima Rotary Trust to local students attending or planning to attend college each year.

The scholarship is need-based, but also takes academic ability and community leadership into account. The program awards up to $7,500 a year and up to $30,000 overall toward a bachelors degree. It awards up to $3,500 a year toward an associate degree.

In June, the 10th group of students received Mollie Davis Scholarships. More than $1 million was distributed to the 44 students, according to Yakima Rotary Trust President Jill Falk.

Over the 10 years, 379 students have received a collective of $7.2 million in scholarships through the fund, Falk said. Roughly 95 percent of recipients renew their scholarships year-on-year. This school year alone, the renewable scholarship is supporting 121 students in various phases of their studies.

Thats a huge number, and no doubt a huge impact on our Valley, Falk said. Theres really little doubt that the program is going to have a long-term impact on the lives of the students, the lives of their families and our community. I think the benefit is immeasurable.

Come back and serve

Jennifer Morales-Mata (Mendoza) grew up spending time at Madison House, a program of the Yakima Union Gospel Mission that serves roughly 500 at-risk youths each week at its downtown Yakima location. In high school, she would volunteer her time there: tutoring, serving dinner or acting as a counselor at summer camps.

In 2014, she graduated from Davis High School with an associate degree. Mendoza went on to study social work at the University of Washington with the help of the Mollie Davis Scholarship. In her junior year of the program, she gave birth to her first son, she said.

It was a huge blessing to get this scholarship, she said. Being able to not have financial stress on my shoulders aside from being a mom and being a student allowed me to complete my bachelors.

Mendoza was able to graduate without debt, which she said gave her the flexibility to continue onto a masters degree in social work. She completed an advanced standing degree in 2018 and has worked as a mental health counselor at Comprehensive Health care in Yakima for a year.

I think its really important for me to come back and serve my community, because I know a lot of the barriers, she said. Its so important for our young people to also be able to do the same to get educated and come back and serve.

Mendoza works with youth with behavioral challenges and their families. Some young people she works with are involved in the juvenile justice system, and many have depression, anxiety and trauma. Mendoza helps them process their struggles and create goals for both the students and their families to work towards to get back on track.

This is her way of reinvesting the Mollie Davis Scholarship, she said.

Im always thankful to Mary Monroe for committing to these students and to our city, she said.

Replenishing investment

Falk said the scholarship has produced teachers, coaches, case managers, nurses and medical technicians, many of whom are giving back to the community as they build their careers.

Rather than depleting as scholarships are handed out, the Mollie Davis fund has grown through investment, Falk said. The Yakima Valley Community Foundation manages the fund, which sits at roughly $25 million today.

This year, the Rotary began measuring the proportion of first-generation college students receiving the scholarship, she said. Roughly 80 percent identified as first-generation college students.

That was just amazing, because a college education is valuable to all of us in so many ways, but if youre the first in your family to go to college, theres such an impact for that student, their family, their siblings and future generations, she said.

Yasmine Mendoza-Espinoza is among the first-generation student recipients.

The 22-year-old was one of three siblings raised by her grandparents in downtown Yakima before taking guardianship of her now-15-year-old brother a couple of years ago.

Growing up, she too was a participant at Madison House, went on to work for the organization and now volunteers there. She said the program leadership inspired her to become a teacher so she could in turn invest in at-risk youth.

I really wanted to be that support system an advocate for students to get through their education and (to) be that role model that it is possible to overcome those obstacles that were placed in front of you, she said.

Mendoza-Espinoza is in her final year of a bachelors in elementary education and a K-8 certificate at Yakima Valley College. This is her second year receiving the Mollie Davis Scholarship, which is her largest scholarship.

It has helped me tremendously, just being able to pursue my education and not having to worry so much about being financially responsible to pay for my education, she said.

Between classes, she supports her brother, works two days a week as a third grade student-teacher at Cottonwood Elementary School, another three days as a paraprofessional at Lewis and Clark Middle School, and is an assistant volleyball coach at Eisenhower High School. In the spring, she coaches volleyball at Wilson Middle School.

A lot of what I do, I do to be a role model for our community, Mendoza-Espinoza said, adding that she wants to ensure her younger brother has the resources and opportunities to succeed in school and life.

In June, she will graduate and hopes to teach at the middle school level, where she feels students have the highest need for academic and social support. Eventually, she wants to get a masters degree to teach at the high school level. But regardless of the age group, she wants to help support students in Yakima, as the Mollie Davis Scholarship has done for her.

This is my home, and its given me so much, she said. Now its time for me to return the favor.

The rest is here:
10 years of the Mollie Davis Scholarship: A replenishing investment in education - Yakima Herald-Republic

Ken Fisher, Special to USA TODAY Published 7:01 a.m. ET Oct. 6, 2019

Ex-NBA star Kobe Bryant, now a business executive, and Jeff Stibel, both co founders of Bryant Stibel, talk investing. USA TODAY

The dead sometimes speak louder than the living.

That's especially true when it comes to investing, markets and the economy,topics that generate many opinions from living people, few of which are useful.

I find it's better to ask the deceased what they think. With that in mind, Ive profiledseven departed legends whose views should always remain at the top of your mind when you want advice aboutinvesting. The more you study these people, the better you'llfare.

Neff: Bragging means selling

John Neff, the last of the legendary mutual fund managers, died June 4. His 31 years running the Windsor Fund, part of Vanguard, averaged 13.7% annually to 1995, more than doubling a comparable S&P 500 investment. How did he do it? Neff avoided fads and focused on fundamental firms and value, seeking to buy stocks cheaply compared with their intrinsic worth. That is a timely reminder since value investing is now long out of fashion. It will return someday.

Neff said things like, When you feel like bragging about a stock, its probably time to sell.

John Bogle in his Malvern, Pa. office on April 12, 2007. (Photo: EILEEN BLASS, USA TODAY)

Key dates for your finances: FAFSA and other money deadlines

Don't sabotage your retirement: 3 expensesto avoid.

Graham: Father of value

Neff, like Warren Buffett, derived from the Ben Graham school of value investing. Buffett is often depicted as 85% Ben Graham (the other 15% being Phil Fisher, see below). Graham is often called, the father of value investing. If you have time for just one investing book, make sure it's Grahams classic, "The Intelligent Investor." Grahams key takeaway? Heeding value provides a margin of safety and higher returns, although those returns are irregular over time. That's becausemost investors oversell and underappreciatewhat isnt faddish and hasnt worked recently.

T. Rowe Price & Phil Fisher: Growth gurus

The reverse thinking came from the two fathers of growth stock investing, Thomas Rowe PriceJr. and Philip Fisher (disclosure: my father). These twoare considered the first major voices claiming that a firms future growth prospects mattermuch more than the current perceived value. Both deployed rigorous, varied disciplines for verifying small firms that would grow fast longer term. Price is best known for founding mutual fund giant T. Rowe Price Group. Fishers legendary book, "Common Stocks and Uncommon Profits," was the first investing book to ever grace The New York Times best-seller list. Price and Fisher, if active now, would both be riding high in this growth-oriented bull market.

Bogle: Passive champion

Vanguards Jack Bogle taught the world that most people will do better if they focus on neither growth nor value but instead become passive investors through an S&P 500 Index Fund. Beating the market requires that you knowsomething useful others dont. Do you?

If not, Bogle provided a ready path: Combine growth and value passively and match the market withouttrying to beat it or accidentally lagit. He knew most investors lag the market by in-and-outing the wrong things at all the wrong times. Since most money managers have lagged markets for years, Bogle would also ride high right now.

Loeb: Be a skeptic

Gerald Loeb was an early contrarian investing voice, believing that if too many investors thought something would happen, it was already priced into the market and wouldnt happen. He was an active trader, book author, columnistand sometimes called the most quoted man on Wall Street. Some of Loeb is usually in my writings.

He also established the gold standard of awards for excellence in financial journalism, the Gerald Loeb Award. Loebs key takeaway? Always invest, but be skeptically skittish because nothing endures.

Ponzi: Sounds too good to be true

Charles Ponzis legend lives on, quite infamously:thePonzi scheme is his namesake. Studying his schemes teaches to avoid being a victim of them. When a deal sounds too good to be true,it isnt true. Risk is real and everywhere. So are fraudsters.

Ken Fisher is founder and executive chairman of Fisher Investments, author of 11 books, four of which were New York Times bestsellers, and is No. 200 on the Forbes 400 list of richest Americans. Follow him on Twitter: @KennethLFisher

The views and opinions expressed in this column are the authors and do not necessarily reflect those of USA TODAY.

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Yes and but.

Those two, little, three-letter words pair together like salty and sweet.

Yes, this is a good financial investment, but past performance is no guarantee of future results.

Both can be true. The question is, does the but disprove the yes?

If it did, no one would invest. Instead, experience and experts teach us to save wisely with a humble awareness of factors outside our control. Yes, portfolios tend to grow with disciplined investment of money. But sometimes there are recessions.

Yes and but give us a way to categorize opposing facts. Thats as helpful with the stock market as it is with faith, because investing our trust with God involves a lot of yes and but.

Yes, God is a good God. But a lot of bad things happen. Innocent people are convicted. Guilty people go free. Healthy people are diagnosed with terminal diseases.

Yes, God is in control. But the world is volatile. Floods rise and sweep away life. Nations rage against nations. Violence escalates to frightening levels.

Yes, God can be trusted. But sometimes we trust Him and life gets more difficult. We trust Him with our career but the promotion goes to someone else. We trust Him with our children but they rebel. We trust Him with our money but we cant make ends meet.

All these can be true. The question is, does the but disprove the yes?

If it does, then God is a bad investment.

If you read Gods prospectus, the Bible, youll notice God isnt afraid to teach us both words.

One helpful example is the story of a loving father whose child was afflicted by evil. He was a dad living in the tension of yes and but. Yes, he loved his child. But evil was destroying him.

He took this unsolvable problem to Jesus and explained how nothing up to that point had worked.

But if you can do anything, have compassion on us and help us.

Jesus gently reminded the dad that this was not a question of if, and that anything is possible for those who believe.

Immediately the father of the child cried out and said, I believe; help my unbelief! (Mark 9:22-24)

I can relate to the kind of faith that says, Yes, God, I believe. But what youre saying is impossible. Help me to believe. Jesus is not offended by that kind of honesty; He respects it.

You see this in the way Jesus responded to the honest father. Yes, those nearby thought the child had died. But Jesus took his hand and helped him up.

Yes, God has that kind of power. But He doesnt always act in the way we expect He should. Jesus knew this first hand. Yes, His own loving Father had the power to take away the suffering of the cross. But Jesus still suffered and died.

Does that but disprove the yes?

Actually, its the opposite. His suffering proves Gods sacrificial love for us.

He is Lord of both yes and but, which means we can trust Him even when we dont see how Hes going to make things right. Faith grows well in a diversified portfolio that has a healthy balance of yes and but.

Yes, Jesus died, but God raised Him from the dead. He offers that powerful hope to those who say yes to Him by faith. But with Jesus, unlike the stock market, past performance does guarantee future results.

Gregg Madsen is the Lead Pastor of Steadfast Gretna. Reach him at gmad sen@steadfastgretna.org.

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Investing in a balanced portfolio of yes and but - Omaha World-Herald