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For students at Jackson Memorial Middle School in Ohio, Tuesday wasn't a normal day. When a seventh-grade student pulled out a gun and shot himself, students began to panic.  Airyonna Haggerty, who is a sixth grader at the school, described the moment teachers told her to get inside the classroom.The 12-year-old heard teachers screaming to get inside the classroom and the next thing she knew, she was hiding and crouching down with her fellow peers near the teacher's desk."I dropped everything. My phone, my chrome book, my book bag and me and my friends ran into the classroom and then we all hid. We were probably there for about 20 minutes," said Haggerty.The principal of the school knocked on the classroom door and told the students and teacher that everyone had to go to another class."We started gathering our stuff and went into the hallway. Then we went to go open the door and it was locked," said Haggerty. "We heard people banging on it so we ran and we got scared."RELATED: Father of Jackson Township student says he put body armor in son's book bag over the weekend7th-grader shoots himself at Jackson Memorial Middle School in Stark County 1192

Florida State University notified students Wednesday afternoon that Spring Break 2021 is canceled.FSU said the move is in an effort to keep students and staff safe and healthy.Under the new plan, the Spring semester will begin on January 6, 2021, the first three days of which will be taught remotely.As a result of canceling Spring Break the Spring semester will now end on April 23, 2021, a week earlier than planned.The letter reads as follows:"As our highest priority remains the health and safety of our students, faculty and staff, Florida State University has adopted a new calendar for the Spring 2021 semester.The semester will still begin Wednesday, Jan. 6, 2021, however, the first three days of classes will be taught remotely. The university has canceled Spring Break in 2021. As a result, the semester will end Friday, April 23, 2021, a week earlier than originally planned.The university continues its efforts to mitigate the spread of COVID-19, and we believe these adjustments will reduce the potential for members of the campus community to return to Tallahassee with the virus after traveling during spring break.Thank you for your patience and flexibility as we work together to provide a healthier and safer environment for the entire campus community."This story was first reported by WTXL in Tallahassee, Florida. 1344

For anyone who is still deciding whether to spend the Thanksgiving holiday with family and friends, there's an interactive map created by a team of researchers that can help with that decision.The interactive map, created by professors at the Georgia Institute of Technology, shows the likelihood that at least one person would test positive for COVID-19 when gathering with a group of 10 or more people in a given area.The map includes data for every U.S. county and shows the risk for infection using data of recent COVID-19 cases across the country.The data depends on the size and location of the gathering. For example, for a gathering of people in Fayette County, Kentucky, the likelihood that at least one person would test positive for COVID-19 is:28% for a group of 10 people39% for a group of 15 people48% for a group of 20 people56% for a group of 25 people81% for s group of 50 people.Nearly 40% of people say they will likely attend a Thanksgiving gathering with 10 or more people despite the risk of catching COVID-19, according to a recent survey by Ohio State University's Wexner Medical Center.Another survey of parents nationwide found nearly a third say the benefits of gathering with extended family for the holidays are worth the risk of spreading or getting the coronavirus. The survey, conducted by the C.S. Mott Children’s Hospital in partnership with the University of Michigan, says almost 3-in-5 plan to see extended family in person.Experts at the U.S. Centers for Disease Control and Prevention say postponing travel and staying home is the best way to protect yourself and others this year. They recommend hosting a virtual gathering, if possible, to avoid another spike in cases.To use the Georgia Institute of Technology's map, click here.This story was originally published by Jordan Mickle on WLEX in Lexington, Kentucky. 1863

For many 5-year-old kids across the country, kindergarten is an exciting first introduction into the classroom. But this year, schools are grappling with growing COVID-19 cases and declining kindergarten enrollment numbers."In terms of our kinder cohort, we usually have about 23,000 students registered in Miami-Date County schools for kindergarten. Right now, as of this week, we have a total of 14,724 registered already for next year," said administrative director Berena Cabrera, with Miami-Date County Public Schools in Florida.Cabrera says the district is tackling a 40-percent decline in kindergarten enrollment, and other public schools across the country are dealing with a similar situation.At Visalia Unified School District in central California, kindergarten enrollment is down by 15 percent. At Poway Unified School District, near San Diego, they're seeing 5 percent less kindergarten students enrolling. Fulton County Schools in the Atlanta, Georgia area reports 12 percent less students are enrolled in kindergarten for the upcoming school year."Kindergarten is critical. It is the foundation of a successful student. And in Florida, it is mandatory for students to start kindergarten," said Cabrera.While kindergarten isn't mandatory in all states, educators agree it's an important beginning to a student's education. Rising coronavirus cases in communities combined with public schools having to tackle the virus head-on, has prompted some parents to turn to private kindergarten.Primrose Schools, which offers private daycare, preschool and kindergarten at more than 400 locations across the country, says they've seen a massive increase in interest, especially for those parents whose local districts are offering a virtual-only program this fall."Many of the working parents, obviously, they’ve got to have childcare. Where they would have had before and after school care now they're going to need full day. So, what we’ve seen is our schools responding rapidly by many of them opening up classrooms to kindergarten programs," Jo Kirchner, CEO of Primrose Schools, said.Kirchner says some of their locations are adding kindergarten classrooms to accommodate the increased interest. Their schools offer a 1:10 teacher to student ratio, plus heightened sanitation protocols."Even the parents who stay home with their children, who now find themselves virtual versus sending them to school, don’t really have the skill sets to provide the academic learning support the children need,” Kirchner said. “Kindergarteners have a fairly short attention span so distance learning is not the best environment for a kindergartner.”While kindergarten families across the country consider their options, Miami-Dade County Public Schools is converting a lot of their enrollment from paper to digital. Additionally, they're doing a big push on the district's website and social media."We’re hopeful that registration does pick up in the coming weeks. We are rolling out with a major marketing campaign, and we’re trying to let the parents know that there are staff in our schools that are registering," said Cabrera.Cabrera adds, whether kindergarten is in-person or remote learning this fall, she hopes parents will enroll their children for this crucial first start to their academic career. 3309

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

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