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Experts say those feeling the pain of the financial crisis the most are millennials. The generation has missed major milestones that past generations enjoyed in their 30’s and 40’s as a result of dealing with two major financial crises over the past decade.However, it may not be all gloom and doom for millennials. The economic cycles the generation has experienced early on could lead them to understand the economy and markets better, potentially leveraging that to greater future gains.Many millennials graduated and entered the workforce during the 2008 Great Recession. They were just hitting their prime, and then, this pandemic and a second major financial crisis hit.“It just feels not only like we can’t catch a break, but we can’t even get started without something coming along and taking away a lot of what we worked for,” said Erin Lowry.Erin Lowry is an author and wrote the books “Broke Millennial” and “Broke Millennial Takes on Investing”.“The big thing to consider for your financial future is this will be temporary,” said Lowry. "We are going to get through this just like we got through ’08.”Surveys conducted by the Urban Institute show at least 1 in 3 millennials are struggling financially right now, and millennials as a whole have less acclimated wealth at this stage in life than the prior generation. To change that, even during this recession, Lowry believes there are a few key things millennials can do.“You do want to think about doing, and I hesitate to say it like this, but the least damage currently,” said Lowry.She recommends minimizing the amount of debt you may need to take on to get through this economic downturn. Also, protect your credit scores as much as possible by making on-time payments.Pay the minimum if needed or contact your lenders to work out agreements that will not show missed payments on your credit report. In the future, you’ll want a healthy credit score to be able to qualify for mortgage loans or auto loans at a lower interest rate.Lastly, try to still contribute to your retirement plan even if it’s a little bit. If you are in a position where every penny counts right now, think about a time in the near future when you can start to again invest. That is important because, historically, the market will rebound.To recover on a better financial footing, you want to buy when the market is low, or down, and reap the gains as the economy recovers.“After 2008, we went on to have one of the longest bull runs in stock market history,” said Lowry. "We don’t know what is going to happen after the coronavirus recession, but you don’t want to miss out on potentially huge returns.”The possible advantage of going through two recessions early in life may be a better understanding of the economy and a stronger desire to understand the market, along with learning how to use the downturn as an opportunity for future gains. 2896

ENCINITAS, Calif., (KGTV) -- A day after a giant rock formation fell and killed three locals at Grandview Beach, geologist Dr. Pat Abbott assessed the damage. Shes off and wading in high tide, he explained the cause of the Friday's tragedy. "The waves come up and beat against the cliffs, and the gravity pulls on those cliffs day after day and year after year," Dr. Abbott said. "It just gradually weakens, and one day it can't take it anymore and just falls down."The waves nibble away the rock at the bottom, and the water for the ice plants on the top, brown, softer sediment weaken the formation. "All that does really is add weight to the cliff," Dr. Abbott said. " And of course, the more weight that is there, the stronger the gravity."But as we walked along the beach, we found many more problem spots. Just feet north of Friday's fallen rock, there is a formation of what looks to be a small cave. With no bottom support, the top will eventually break off. "When that falls, that's the same thing as having a cement wall fall on you," Dr. Abbott said. We walked a few more feet north and saw what he called another visible sign of danger. "This strong cliff here and this rock mass now is now detached from the main rock," Dr. Abbott pointed.The vertical fracture separated the front rock formation from the rest of the bluff. This is a sign that it is ready to form. Exactly when it falls, only Mother Nature will know. So the next time you decide on where o put down your beach towel, remember to study the rock behind you. "Look for fractures or overhanging rock masses, and don't go near those," Dr. Abbott warned. Dr. Abbott also said the visible fractures at the bottom of the bluffs are far away enough from the homes atop, that they should not pose any danger. 1787

ENCINITAS, Calif. (KGTV) — Dr. Pat Davis stood atop the bluffs at Grandview Beach in Encinitas on Friday, holding back tears."Bear with me, please," he says. "This is only the second time I've been near the beach since the accident."That accident, on Aug. 2, 2019. His wife, Julie, daughter Annie, and sister-in-law Elizabeth were on Grandview Beach, when the bluff above them crumbled and fell, killing them.RELATED: Lawmakers hope 0K federal grant will help prevent future bluff collapse in Encinitas"Believe you me," Davis says, "It'd be a lot easier to not come down here. I came down here about a week ago for the first time in six months and it was difficult."But Davis made sure he would be there Friday, to help announce the first significant federal money devoted to help make the bluffs safer.Congressman Mike Levin announced 0,000 to start the engineering phase of the project to help prevent the tragedy from occurring again.RELATED: Community, husband of victim push for Encinitas bluff stabilization"The primary purpose of the project is to stabilize tall bluffs that erode due to high-energy storm swells and rising sea levels, posing threats to life, property and critical infrastructure," Levin said.There's still a ways to go.The project needs another roughly .5 million dollars for engineering, and it's estimated to cost million to carry out every five to 10 years. Levin said he'd continue to fight for the funds.RELATED: Geologist Dr. Pat Abbott assesses bluff damage in EncinitasIt's also unclear what the project will entail beyond sand replenishment.Davis says it's a start, but there's more to be done. He says he'd like to see more education about staying 40 feet from the bluffs; more blunt warning signs saying people have died at the beach; beach closures to families at high tide or when there is no safe are away from the bluffs, and 100-foot safe zones where parents know it is safe for their kids to play."I'd like to be able to at least say that I tried to do something," Davis says. 2038

Facebook released an announcement saying that they have helped register over 2 million people to vote.In the release, the social media company said they estimate they've helped register 2.5 million people across Facebook, Instagram and Messenger."With six weeks until Election Day and registration deadlines fast approaching in many states, this week we’re putting the full force of our platform behind this campaign to empower every eligible voter to make their voice heard in this election," Facebook said in the release.News of this comes 43 days ahead of the presidential election, and one day before National Voter Registration Day. 645

ERLANGER, Ky. -- Police shot a suspect outside a bar in Erlanger, Kentucky on Wednesday night after the suspect pointed a gun at the officers, according to Kentucky State Police trooper Charles Loudermilk.Loudermilk said two officers from the Erlanger Police Department had been pursuing 40-year-old Dexter Helton, of Florence, over an active felony drug warrant and located him inside Peecox Bar and Grill at about 8 p.m. He fled on foot out the back door of the bar, drew a firearm and pointed it at the officers, at which point an officer shot him. "This action caused a life threatening situation for the officers involved and they were forced to discharge their firearms," Kentucky State Police said in a news release. Helton was airlifted to the University of Cincinnati Medical Center with "critical injuries" after the incident. Neither of the Erlanger officers were shot or injured. Identities of the police officers involved have not yet been released. Investigators are reviewing footage from the officer's body cameras. Authorities also seized a witness's phone who had posted a video of the moments after the shooting on Facebook. Surveillance video from the bar will also be analyzed, Loudermilk said. Kentucky State Police will investigate the shooting, Loudermilk said.  1359

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