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A breakup can be devastating, leaving people in an emotional wreck. However, there’s a unique service that is helping people quickly get back on their feet. “There really is a tremendous loss of personal identity, leaving a shared relationship,” says Onward co-found Lindsay Meck. “You sort of define yourself a part of that couple. You might have a pretty extended shared friend group, even family members.” That's why Meck and Mika Leonard started their company Onward, a post-breakup concierge service. “Necessity is the mother of invention, so my best friend, who is my co-founder, and I both went through our own big city breakups about six months apart,” says Meck. With a breakup comes the daunting task of rearranging your life. "Dealing with address changes, dealing with all the logistics, coupled with the emotions of being sad, but still needing to be a functional member of society,” explains Meck of the help Onward provides. With Onward, you chose from three post-breakup packages to get you back on your feet. For , the 10-day reboot will help you pack up, move out and provides self-care amenities. The 30-day recharge includes helping you find a new place, new furniture, and even help you setup all your new utilities. That will cost you 5. Then, there's the three-month recalibrate for 0. It’s an upgrade that also includes getting you a therapist and provides activities to join to help you meet new people. "You just need someone who can pack your stuff, make those phone calls for you, when you are just really trying to get out of bed every day,” Meck says. Starting over isn't easy, which is why the founders of Onward believe in their service. “Trying to resume by yourself, because you're usually with a partner all the time, so doing things alone would be kind of hard," says Meck. Right now, Onward is only in New York City, but they have big plans to expand their post-breakup service nationwide. There are similar companies, like Untied and Worthy, that also work to help divorcees get back on their feet. "There's no magic formula of getting over a relationship; it takes time,” says Meck. “But in the meantime, you want to be put in the best possible situation to move forward, and that can be really hard." 2272

At the age of 22, Purdue University graduate Andrew Hoyler accomplished his goal of becoming a pilot. But in doing so, his debt took off. He took on 4,000 in student loan debt. “It was tough to look forward to the future, just because 4,000 clouding over your head is not something that anyone wants,” he says. As a new pilot, he brings less than ,000 a month after taxes. Yet, less than two years after he graduated, he's been able to pay off more ,000. “Looking back, it's crazy that it's already come this far and that I’ve been able to pay off this much, but it hasn't been without sacrifice,” Hoyler says. Those sacrifices include living at home with parents, skipping out on vacations with friends and using a large chunk of a ,000 signing bonus to pay down his debt.“It was a little rough putting most of that towards the student loans,” he says. “But here today, I'm happy I made that decision and didn't go out and buy a new car.” Hoyler says he also uses his tax refunds to help pay down his debt. It's something anyone who gets a refund can do, whether it's for student loans, car payments or credit cards. “For many Americans, the biggest windfall they get all year is a tax refund, so this time of year, that is a great opportunity to really take out a big chunk of your debt,” says Arielle Oshea, a personal finance expert with NerdWallet. Oshea says for Americans struggling with debt, taking small steps like cutting cable, skipping eating out or not going shopping can add up.“Small amounts seem like they're going to be a drop in the bucket compared to your debt balance in many cases. But when you add them together and you make a cut here and make a cut there, and you maybe bring in some extra income, all of that adds up and it can very quickly lead to you being able to make bigger payments on your debt every month,” Oshea says. As Hoyler proves, small sacrifices can lead to a big payoff. 1940

DENVER, Colo. – At Stoney’s Bar and Grill in Denver, the entire front of the house is trying something new for the new year: giving up alcohol. Well, at least for the first 31 days of 2020. “I probably spent a thousand bucks every two weeks on booze,” said bartender Adam Farrenkopf. In attempt to save his money and his health, Farrenkopf is participating in what’s called “Dry January” – an international health movement urging people to abstain from alcohol for the first month of the year. “Being a bartender, it’s hard to not drink,” Farrenkopf said. “It’s a testament to myself and we’ll see what happens.” Dry January started a few years ago in the U.K. and quickly spread to the U.S. And it’s catching on fast. A recent study by Nielsen found just over one-fifth of Americans took part in Dry January last year and 83% of those people said they planned on doing it again this year. But is doing this DIY detox right for you?“I think America has a love-hate relationship with alcohol,” said professor Tricia Hudson-Matthew, an addiction specialist with MSU Denver. She says giving up drinking has multiple benefits. “I would say financial, we spend a lot of money on it,” Hudson-Matthew said. “When we’re talking about health wise, we’re talking about better sleeping, better eating, better skin care.” To stay committed while going cold turkey, Hudson-Matthew says to have a plan in place like recruiting friends – or at least let them know what you’re doing. “When you take something away from an individual, you also have to replace it with something,” she said. “If there isn’t something that’s replacing it, then chances are, they are going to relapse and go right back to it.” Back at the bar, not everyone feels they need to give up drinking. “Nope. No Dry January for me,” said patron Jacque Lynn. “I’m pretty confident in my drinking abilities and not to drink when I need to not drink.”For people like Farrenkopf, however, they plan on taking this break from booze past the end of the month, and hangout without the hangover. 2060

PINELLAS COUNTY, Fla. — Millions of drivers received refunds on their car insurance after the pandemic forced a national shutdown. But the I-Team found out at least one major insurance carrier is asking to raise rates for drivers across Florida.Pinellas County resident Robert Stickler and his wife started working from home after the pandemic shut down Florida in March. “My family hasn't been driving, the cars have been sitting," Stickler said.Their insurance carrier Geico and many other large auto insurers in the nation refunded drivers. The Sticklers were refunded 15 to 20 percent of premium costs after the pandemic delivered a drastic dip in accidents and claims. That credit was reflected on the Stickler family bill.Robert Stickler welcomed the refund but said they suffered sticker shock when Geico socked them with a 0 rate hike to their 6-month policy in June. The increase was approved by the state. “It was going to be over 4 a month for 3 older vehicles,” said Stickler.In a letter from Geico:"There are many factors that affect your insurance premium such as age, driving history, location and the increasing cost of vehicle repairs." But this driver says that explanation does not add up. “There had been no changes what-so-ever,” said Stickler.We reached out to Geico and have yet to hear back. The I-Team checked state records and found Geico petitioned the Florida Office of Insurance regulation between March and August for a separate rate hike of nearly 7 percent after the pandemic hit.Doug Heller is with the Consumer Federation of America, a watchdog group that called on Geico this past May to give back some of its profits the CFA claims the company raked in during the pandemic as drivers stayed off the road. “We are paying premiums as if the pandemic never happened,” said Heller.The I-Team reviewed second-quarter profit earnings for some of the nation’s largest insurance companies. We looked at overall profits which include their auto insurance and found Allstate, Progressive and Geico business shot up by hundreds of millions of dollars for the second quarter of this year compared to the second quarter of 2019.Geico's parent company reported to investors its 2020 overall insurance profits were, ”...largely attributable to unusually high earnings from Geico due to lower claims frequencies. These results are likely to be temporary…"Former Florida Deputy Insurance Commissioner Lisa Miller says there’s a state law that regulates how much insurance can profit. “We have very strict set of factors of what these insurance companies can profit," Miller said. No one is alleging that Geico or any other insurance company made an excessive profit. However, Miller says if state regulators find that any auto carrier made an excessive profit, customers could be refunded under a Florida law meant to protect consumers.The I-Team requested an interview with Florida's Insurance Commissioner David Altmaier. His spokesperson declined our request but said in a statement."OIR thoroughly reviews all filed auto insurance rates filings to ensure they comply with all applicable laws and are not excessive, inadequate, or unfairly discriminatory. "In its latest earnings report. Allstate credited its auto policy profits to "....Higher premiums earned and lower loss costs from reduced miles driven.”We asked the company if it planned to refund more money to customers, but have yet to hear back. Progressive told us it filed in June to reduce premiums in 35 states including Florida.Geico’s rate hike request is still pending. We plan to keep following that and let you know how it could affect your bills This story originally reported by Jackie Callaway on abcactionnews.com. 3739

Lending a helping hand is what Stephen Peth loves to do. Peth spends a lot of his time in the rehabilitation unit at Walter Reed National Military Medical Center in Bethesda, Maryland, helping wounded warriors get back on their feet. "The job is basically to do whatever we can to help the therapist," Peth explains. At 72 years old, Peth couldn't imagine any other way to spend his time. “I could be out on a golf course doing something for me, but to be here and be working for these wonderful service people that are here for a variety of reasons, to me, that’s inspirational,” he says. Peth says he’s inspired by all the patients he sees, because, he too, was once a warrior wounded in combat. "This is the boot that I was wearing the day that I got shot," he says. In 1967, 11 months into his tour during the Vietnam War, Peth, an army rescue helicopter pilot, was attacked by gunfire. "We took 39 hits on the aircraft,” he recalls. “I took a round through my boot and took a round though my arm." That dangerous mission earned him one of the highest awards of valor. "Gen. Craton Abrams came out and pinned a Silver Star on me," he says.His award and scars serve as reminders that he was once where these war heroes are now, compelling him find a way to serve his country once more. 1305

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