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Fifty years ago, civil rights activist Dr. Martin Luther King Jr. stepped out onto a balcony by Room 306 at Lorraine Motel in Memphis, Tennessee, where he spoke to other hotel guests who were in the courtyard.At 6:01 p.m. that night — April 4, 1968 — he was killed by a gunshot. He was taken to St. Joseph's Hospital and pronounced dead at 7:05 p.m.The night before his assassination, King preached at the Mason Temple, the world headquarters of the Church of God in Christ, saying to the audience, "We as a people will get to the Promised Land."A fugitive of the Missouri State Penitentiary, James Earl Ray, was captured in June 1968 and charged in MLK's assassination. He pleaded guilty, though in the decades that followed he tried to withdraw the plea and sought a jury trial. There was never a trial, and Ray died in prison in 1998 at age 70.It has been suggested, and is believed by the King family, that MLK was killed as a result of a government conspiracy that involved the Mafia and Memphis police, but it has never been proven in a court. The idea points to Ray being innocent and says he was framed in the civil rights activist's death.Martin Luther King Jr.'s legacy as the most visible leader of the civil rights movement from 1954 to 1968 lives on as the nation remembers and honors him on the 50th anniversary of the assassination this week.Watch the video to learn more about how King spent his final hours in Memphis.  1504

Finding the right child care can be a frustrating -- and expensive -- process for parents around the world, from New York to Nairobi.Access to adequate child care for all has become a "global" need, said Shelley Clark, a demographer and professor of sociology at McGill University in Canada, who has studied child care and other family dynamics."We can think of iconic images like The Atlantic monthly cover of the mom carrying the kid in the briefcase to work and how absurd that's supposed to be to us, but then when we think of women in lower-income countries, you think of the mom selling goods at the market with a kid strapped to her back, and you think, 'Well, that's not a problem for her, because she can easily combine child care and work,' " Clark said."There's this perception out there that for the kinds of work that women do in lower-income countries, it's easier to combine child care and work," she said. "The fact is, it's quite challenging for these moms, also."Clark added that families in lower-income countries spend a significant chunk of their income -- about 17% of some women's average earnings -- on child care services, similar to those in wealthier countries.Families living across 30 wealthy nations in the Organisation for Economic Co-operation and Development spend on average about 15% of their net income on child care costs, according to a 2016 report from the group, an association of 35 countries founded to improve economic development and social well-being around the world.Yet the percentage of a family's income spent on child care costs varies drastically by country: Couples spend 33.8% in the United Kingdom, but in Korea, Austria, Greece and Hungary, couples spend less than 4% due to government benefits and programs. Those findings came from the OECD's database on tax and benefits across countries compared with average net income of families in those countries.Here is a sampling of what child care looks like around the world. 1984

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

Food banks around the country are overwhelmed. It has become normal in recent months to see hundreds of people or cars in a line stretching for miles outside food banks and pantries. Some people are even beginning to show up hours before scheduled food distributions."I came here at 11 o'clock and there was already three people in front of me,” said Michael Sell, who waited outside a drive-thru food pantry that opened at 1 p.m. near Springfield, Massachusetts.Sell is a retired mental health professional, who now relies on pantries in the region. He says he’s seen the pantry lines grow for months."It is almost incomprehensible how many people are hurting,” Sell added.“Every distribution we are running is out of food, and I am calling suppliers, and I'm calling food banks like, 'we need more food’,” said Robin Bialecki, with the Easthampton Community Center.Bialecki also works with the Western Massachusetts Food Bank to hold a drive-thru pantry several times a month. Every month the pandemic goes on, it has become more difficult to provide enough food for all the people in her community in need. There have been times where the pantry has had to ask people to take less food so they could help more families.“A lot of people who normally give during the holiday season, they're keeping that food,” said Bialecki. “They have lost their jobs.”Some people who used to donate regularly are now seeking help from her pantry. In the 19 years that she has organized pantry food distributions, she has never seen a need at this level.“We definitely hope we do not get to the point where we will not be able to feel the need,” said Bialecki.In the next few weeks, if Congress does not pass a stimulus package, it is estimated that at least 12 million Americans will lose their unemployment benefits, and 11 to 13 million people could be evicted from their homes. Most of those people will have no other option but to turn to food banks, which are already at their brink. 1983

FORT PIERCE, Fla. - Residents in a Fort Pierce community on Hutchinson Island had a special surprise for Joseph Malizia.They gave the 22-year-old man with special needs a box full of flags Thursday to replace the ones that had been stolen from him recently."I love it. I love that they care about me," Malizia said when looked at the flags from all over the world packed in the box."The community wanted to show Joseph there are more good people," Heather Thomson said.Neighbors in the Mariner Bay community said they often see Malizia waving different flags at the beach and along State Road A1A and in the neighborhood.His father said Malizia took a liking to flags as a child while attending his brother and sister's surfing tournaments. WPTV "Every event they have a big parade, lots of flags, all the nations, kind of like a mini Olympics, and Joseph would partake in the flag carrying," David Malizia said.Joseph Malizia was now planning how to display his new flags, which made his neighbors smile."What better time to have a feel-good moment than during everything going on right now," Thomson said.This story was first reported by Matt Sczesny at WPTV in West Palm Beach, Florida. 1227

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