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For those fortunate to work from home during the COVID-19 pandemic, many are finding they now have more time to commit to home construction projects large and small and everything from retiling a bathroom to a large home renovation."In many communities in the home space itself, what we’ve seen is after that initial decline and slowdown where many of these businesses were struggling, a pretty pronounced uptick now in the level of business coming through," said Nate Chai of Thumbtack. Thumbtack is an app that helps people connect with contractors and other service providers.Chai says more people are in their homes spending more time looking around at the projects they want --or need -- to get done."Pretty much everywhere we’re just using our homes more often. Things break down. That annoying leak becomes something that has to be addressed urgently," says Chai.Thumbtack has guidance for both homeowners and contractors on how to get their projects done safely during the COVID-19 pandemic. Chai encourages people to have open conversations with contractors about who the project will be completed in a safe, socially distant manner."Things like are you wearing a mask, are you bringing a crew and if so what will that crew be doing? Where will they be? Are you going to clean and sanitize the space afterwards? So those questions are really important to get squared away from both parties up front," said Chai.And for contractors, showing your clients first and foremost that you value their safety."We have professionals who, for example, have changed their profile pictures to show themselves in a mask. So, that adds that extra layer of security and awareness and understanding from the start, to proactively bring up their safety measures," said Chai.Fillip and Jamie Hord, founders of Horderly, which is a professional organizing company, are currently in the middle of a home renovation project. They have some advice for how people can safely prepare their homes for construction during a pandemic. "We actually recommended the contractors put up the plastic sheets sectioning off the room and then they can do zippers on those. That was [our] first request and Jamie has been wiping down the door handles before they come and when they leave," said Fillip Hord, who is also Chief Organizing Officer of MakeSpace.The couple also recommends decluttering and clearing out the space you want worked on, requesting contractors wear masks, stay six feet apart and wash their hands frequently. But also be prepared for your home project to take longer than expected."Instead of having 14 different contractors and three different trades in your house at one time, you're going to have the carpenter one day. The next day maybe one electrician. The next day maybe a plumber and then the plumber has to wait for the electrician to come back," said Fillip Hord.Still, they say getting the projects done right now has its benefits."Now is the perfect time to take time to get to those projects you’ve been wanting to get to for a while in your home. There’s really no better time," said Jamie Hord."From what we saw at the start of the pandemic is people sort of hunkered down. There was quite a drop in the number of projects coming through our platform but in more recent weeks, what we’ve seen is it actually accelerating pretty fast," said Chai.In fact, at the end of March, Thumbtack says home renovation projects were down 40 to 50%. Now, they're back up to normal levels. 3494

For months now, public health experts and educators have been lamenting the long-term impacts of remote learning.In May, researchers estimated that by the beginning of this academic year, the average student would lose a third of their reading progress and half of their math progress from the previous year.“That was kind of assuming kind of a worst-case scenario,” said Beth Tarasawa, executive vice president of Research at NWEA, a nonprofit standardized testing company that released its findings from this fall’s assessment.“Kids remarkably have weathered pretty well in reading and those patterns both in the cross-sectional as well as the longitudinal studies really kind of highlight some good news,” said Tarasawa.But their analysis of data from nearly 4.4 million U.S. students in grades 3-8 found average scores for math were lower – between 5 and 10 percentile points– for students this year as compared to same-grade students last year.The findings represent some of the first empirical measures of how the pandemic has affected student performance.“We're moving slower, which means that we're covering less material over a certain period of time,” said fifth grade teacher Cara Koen.Koen, who has been teaching reading and math for more than two decades, says remote learning has forced her to slow her pace, especially with math.“There may be difficulties with Wi-Fi and different things from day to day” said Koen. “You have to slow down in order to reach all learners.”Kimberly Berens is a child development expert, educator and the author of "Blind Spots: Why Students Fail and The Science That Can Save Them."“Spending more time on repeated reinforced practice of skills to mastery so that when kids have gaps in instruction that are inevitably going to happen from school closures, kids getting sick or pandemics then kids will be more resilient,” said Berens.Still, NWEA’s data set is incomplete. One in four students who they tested in 2019 were missing from this year’s assessment.“They were much more likely to be African-American or LatinX or Hispanic,” said Tarasawa. "They were more likely to be from high poverty schools and they were more likely to be lower achieving in the first place.”That means that while the new data suggests some promising outcomes, we still don’t know just how severely the pandemic is impacting minority and socio-economically disadvantaged students. 2413

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

For the first time, a bill to legalize marijuana at the federal level will soon go to the floor of the U.S. House for a vote.“The MORE Act would actually erase past convictions for marijuana offenses, opening the door to opportunities to jobs, housing, education, things that could help people, but it would also make it so people will no longer be denied federal benefits because of marijuana activity,” said Maritza Perez, Director of the Drug Policy Alliance.Some CEOs of companies in the industry say the bill has a long road ahead but are optimistic marijuana will become legal at some point.“I think that it creates that dialogue where we can have sensible legislation and policy when it comes to cannabis and THC products,” said Joe Dowling, CEO of CV Services.“It’s actually one of the few things that when I’m talking to people on both sides of the aisle, that they actually agree, that it’s something that can move us forward in one direction in creating jobs and stimulating the economy,” said Michael Cammarata, CEO of Neptune Wellness Solutions.Studies show more people support the legalization of marijuana. A 2019 Gallup poll showed majority-support across major political parties for legalizing marijuana. It showed 51% of Republicans, 68% of independents, and 76% of Democrats are in favor of it.A vote on the MORE Act is expected to happen next week. If it passes the Democratic-controlled House, it faces a challenge in the Republican-controlled Senate. 1480

Force is with you, it is.A thoughtful 5-year-old boy included a Baby Yoda doll along with groceries and other items for firefighters battling wildfires in his home state of Oregon. Now, Baby Yoda is sharing the force with firefighters around the western U.S. and bringing smiles to thousands of fans.Carver told his grandmother he wanted to do something to help those on the front lines of the deadly wildfires. She heard of a donation drive helping firefighters and took Carver shopping to buy items to donate, according to CNN.Carver focused in on a Baby Yoda doll, so he sent it off in the care package with a note telling the firefighters, “here is a friend for you, in case you get lonely,” according to posts in a Facebook group dedicated to the doll’s adventures. 778