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Football coach Derrick Clark was a convicted drug dealer when he was hired two seasons ago for New Haven Endeavour Middle School in New Haven, Michigan. Now he’s in jail facing serious sex charges.  School Superintendent Todd Robinson talked with Jim Kiertzner, investigator for Scripps station WXYZ in Detroit and said he knew Clark had some criminal past, saying “Not to the extent that you’re sharing with me now.”  Robinson would not say what his understanding of it was. “I don’t want to make any more comment about it at this time.” Robinson also would not answer if he would still hire him if he knew what he knows today.State records show Clark was convicted of drug possession and running a drug house and was on probation from 2009 to 2014. Clark now faces charges of third degree criminal sexual conduct, pandering and racketeering in Macomb County.  Police said Clark reportedly sold his girlfriend for sex with online ads dozens of times over several months and threatened her and kids to go to Child Protective Services.At least one “John,” a man who paid for sex, is cooperating with police.John Wallace, who lives next door to the school says, “That sounds to me like another Nassar case.”Other parents said they are upset.Clark was hired through a contracting firm called EDUStaff in Grand Rapids.  The company president, Clark Galloway, sent us a statement that says criminal background checks and approval are up to school districts and Clark is not the only employee they’ve supplied: 1572

FORTVILLE, Ind. — A central Indiana superintendent gave students some fun "assignments" to complete on the first snow day of the year. With the institution of virtual learning during the COVID-19 pandemic, many families thought snow days to be a thing of the past for students. But when snowfall led to messy roads across parts of Indiana, there were still several dozen schools that chose to either delay or cancel classes.Dr. Jack Parker, Superintendent at Mt. Vernon Community School Corporation sent a letter to parents canceling in-person learning in favor of virtual learning — but not the type of virtual learning typically seen amid the pandemic.The note to parents went on to give two assignments that included playing in the snow and throwing snowballs."Students will use the scientific process in planning appropriate clothing to remain warm and dry while spending time outside. Once the hypothesis has been identified, and appropriate attire has been secured, students will be expected to test their theory by going outdoors and playing in the snow," Parker's note read. "Step two of this assignment will be to practice the skills of estimation and measurement when throwing snowballs at one another while maintaining a minimum of 6' of distance with others outside of your household. When being with said snowball, students are expected to practice their social skills and to use their good words."He even gave students a chance to earn some extra credit. "Extra credit can be earned by helping to shovel sidewalks and/or driveways," Parker wrote.And of course, students who aren't feeling well were given an alternate assignment to complete."Students who are not feeling well will be expected to complete the alternative assignment of resting indoors and drinking plenty of fluids," the letter read. 1822

First it was Hurricane Harvey, then Irma. And in the end, millions of people desperately need help.If you weren't directly affected and would like to chip in, the good news is that many companies will let you double your donation.How to extend your giftThe American Red Cross has become the go to charity for victims of both hurricanes. And it has partnered with a number of big corporations, who are promising to match your gift, giving it double and even triple the impact.If you are in Walmart or Sam's Club in the coming days, look for signs at cash registers explaining how to donate and get their match, through Saturday, Sept. 16. Walmart has promised to match donations two-to-one with cash or products.You can do it in store, or at Walmart's website.Also, many employers are doubling their workers donations.Apple, Facebook, Google, Microsoft and AT&T are among those who have been matching employee gifts, some two-to-one. Be sure to check with your specific employer to see if they're offering a similar initiative.Beware of donation scam emailsBut be cautious of scammers who want to take your donations.Watch out for email phishing scams claiming to be from the Red Cross and other charities, asking you to donate. Several federal agencies, including the Federal Trade Commission and the Department of Justice, are warning consumers to be wary of bogus emails related to the hurricanes.You should know that scammers may use names that are similar to reputable charities. Those copycats may misspell the organization's name or make a subtle tweak, hoping you don't notice. The federal agencies also say you should avoid cash donations when possible, and never write checks to individuals claiming to be victims.If you are not sure about a charity, especially one that calls or emails you, do not agree to help them out.First, look them up online at guidestar.org, give.org, or the Better Business Bureau, and check them out, so you don't waste your money._________________Don't Waste Your Money” is a registered trademark of Scripps Media, Inc. (“Scripps”)."Like" John Matarese on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.comContact John at jmatarese@wcpo.com 2290

Frank Avruch, who was best known for playing Bozo the Clown, died Tuesday at the age of 89, according to his manager Stuart Hersh."While it's hard to say goodbye, we celebrate the legacy of joy and laughter he brought to millions of children around the world as Bozo the Clown on TV and as a UNICEF Ambassador and later as host of Channel 5's Great Entertainment and Boston's Man About Town," a statement from Avruch's family read. "Our dad loved the children of all ages who remembered being on his show and was always grateful for their kind words. We will miss him greatly."Bozo made his television debut in 1949, portrayed by Pinto Colvig. In 1965, "Bozo's Big Top" became a syndicated series in local markets across the country.Avruch played Bozo from 1959 to 1970 and was the first nationally syndicated version of the clown. Other performers of the popular character were Willard Scott, Bob Bell and Joey D'Auria.Avruch worked at WCVB in Boston for more than 40 years and was inducted into the National Television Academy's Gold Circle."He had a heart of gold," Hersh said in a statement to CNN. "He brought the Bozo the Clown character to life better than anyone else's portrayal of Bozo the Clown."Avruch is survived by his wife, Betty and their two sons.The-CNN-Wire 1284

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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