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When it comes to educating America's children, how much of a difference could million make? Could it send a second grader on a school trip to the museum, or provide updated equipment to a class of budding scientists?It can. In fact, it can do it 35,647 times.Ripple, a cryptocurrency and international payment company, has donated million in cryptocurrency to DonorsChoose.org, a donation platform that connects people to classroom needs across the country. With the money, Donors Choose was able to fulfill every single classroom project request on its site -- 35,647 requests in all, from 28,210 teachers at 16,561 public schools."It's fair to say there's never been a day that this many classroom dreams have come true," Donors Choose founder Charles Best told CNN.The Colbert bumpThe massive donation is the culmination, or grand finale, if you will, of the site's #BestSchoolDay project. Two years ago, Stephen Colbert, who is a member of the Donors Choose board of directors, announced he was going to pay for every school project request in his home state of South Carolina.His act of kindness set off a movement that became known as #BestSchoolDay."More than 50 actors, athletes and philanthropists were inspired to fund classrooms in their states," Best told CNN. "Together, those 50-plus people gave more than million, and to use, that represented the idea of a best school day."Best says the response has been overwhelming -- in a good way."An outpouring of joy would not be an overstatement," he said.The Ripple effectBest says when the organization connected with Ripple, the cryptocurrency management company was "inspired to think of the impact" of such a significant gift."At Ripple, we care about giving back to our community and we collectively value the importance of quality education in developing the next generation of leaders," Ripple's SVP of Marketing Monica Long said in a statement."DonorsChoose.org's track record speaks for itself — they are highly effective at improving the quality of education and the experience of teachers and students across America. We're proud to work with them to support classroom needs across the country."According to Ripple's company site, the donation will affect approximately 1 million public school students.Best says the "classroom projects" requested on the site represent specific missions or activities that teachers have for their students."It's a public schoolteacher requesting a classroom library. A field trip. A set of art supplies. A pair of microscopes. It's about requesting experiences or tools to provide a student learning experience," he said."We believe in the wisdom of the front lines," Best added. "Hardworking, passionate teachers know their students' needs better than anyone else in the school environment. If we can tap into their needs, we can unleash smarter solutions and empower those people on the front lines."  2956

When you hear “self-care,” you might think of mani-pedis, relaxing facials, or soothing massages. But with millions of people struggling to make ends meet during this pandemic, practicing “financial self-care” is important, too.Rachelle Beazley of Detroit was working in sales for a food broker when COVID-19 first hit back in March.“I was lucky I didn’t lose my job – my full-time job – but I did lose my three side hustles,” said Beazley.She was a dog-sitter, an overnight nanny, and taught workshops on making hand-knitted blankets.“I think immediately with the pandemic, it was a strain. Like, oh my gosh. I’m not going to have all these financial streams coming in – this extra revenue,” Beazley recalled.She’d just started working with Ann Arbor financial therapist Lindsay Bryan-Podvin – who advises people dealing with financial anxiety to practice five steps of “financial self-care.”Start Emergency FundBryan-Podvin said the first step is starting an emergency fund – even if you’re only adding a few dollars at a time.“I know a lot of viewers are going to be like, ‘Lindsay, I don’t even have time to think about an emergency fund. I’m just trying to make ends meet.’ Any time you can scrap away ten-dollars here, 30-dollars there, it again just gives you a little bit of peace of mind that if something were to happen, you’re not totally at zero in that bank account,” she said.Bryan-Podvin advised Beazley to add up her essential expenses and multiply by three – making that amount her new emergency savings goal. Anything over that would go towards paying off debt.Insurance, Will & TrustHer number two recommendation is to set up life insurance – if you don’t have any already – along with a will and trust.This is particularly important if you are married and have kids in the home under 18.“I would say get your life insurance first, and then get your will and trust in place,” Bryan-Podvin said.“That 20, 30, 40-dollars a month can provide out a benefit of anywhere from a quarter-million-dollars to a million dollars. So that again is that peace of mind.”Explore a Side HustleThe third step is to explore a side hustle or new ways to make some extra money.“A lot of us might be taking jobs that we might be over-qualified for, or we might be picking up some odd jobs here and there just to make ends meet,” said Bryan-Podvin.She said you need to remember that the situation you’re in now will get better. “Going back to that mantra of this is temporary,” she explained.If you’re looking for ideas, think of the sectors of the economy that are doing well right now.Food delivery services, tutoring, even COVID-19 compliance consultants – a good opportunity for furloughed health care workers Bryan-Podvin explained.Give To OthersIf you are one of the fortunate ones still working during this health crisis, Bryan-Podvin said you may be experiencing Financial Survivor’s Guilt.So, her number four step with financial self-care is to give to others -- volunteer, donate, help someone in need. Even small gestures can go a long way in lending support while also making yourself good knowing you’re doing something to help during this pandemic.“if you’re in a financially stable situation, practicing some gratitude, saying I’m thankful that I have some income coming in and how can I give back to my community in other ways,” Bryan-Podvin said.Lean On CommunityHer fifth suggestion for practicing financial self-care is to lean on community – whether it’s taking turns meal prepping or entertaining the kids in your “pandemic pod.”“It’s about opening up your house safety to a handful of other people who you know are already practicing safe behaviors to get some additional help.”Back to Rachelle Beazley.She took the money she’d previously spent on gas and dining out and saved enough for her emergency fund and paid off two loans.Then, she leaned into a side hustle!She started a new business hosting virtual wellness retreats for women.“I’m not sure if my parachute is going to open just yet but I have to believe in what I’m passionate about,” said Beazley.Beazley quit her day job on September 1, 2020, to start working on her business – Aloe and Alchemy.Her next virtual retreat is October 17.As for financial self-care– Lindsay Bryan-Podvin said you can re-order her five steps to suit where you are in your life.This story was first reported by Alicia Smith at WXYZ in Detroit, Michigan. 4423

When Dr. Harold Bornstein described in hyperbolic prose then-candidate Donald Trump's health in 2015, the language he used was eerily similar to the style preferred by his patient.It turns out the patient himself wrote it, according to Bornstein."He dictated that whole letter. I didn't write that letter," Bornstein told CNN on Tuesday. "I just made it up as I went along." 382

WEST PALM BEACH, Fla. - For better or worse.Attorneys in South Florida say that during the COVID-19 pandemic, more couples are requesting prenuptial agreements.For Amanda Locker, her wedding day felt like a fairy tale."Was only thinking marriage, kids, and being married forever," Locker said.10 years after tying the knot..."Two beautiful children, but our lives did change. Could I imagine being married today to the same gentleman? Absolutely not," Locker said.Now the former stay-at-home mom imagines if she would have had a prenuptial agreement."I think I would want to sign one to protect myself," Locker said.According to the American Academy of Matrimonial Lawyers, 60% of family law attorneys surveyed reported an overall rise in prenuptial agreements in recent years."There’s been a lot of postnuptial agreements, prenuptial agreements," attorney Abigail Bebe said.WPTV called six local attorneys and five of them said during the pandemic they’ve seen an increase of prenuptial agreements. Bebe said you should start the process at least three months before the wedding."It’s really the ideal time to make plans so when it comes to that if it ever does, there are really fewer things to fight about," Bebe said.Licensed clinical social worker and family therapist Alyse November said the pandemic is bringing up difficult financial conversations for couples."We want to hear, really hear and when we hear we can repeat it and ask somebody did I get it? Did I get everything that you were saying? And the next step we want to have them do is ask them if there’s anything more you want to tell me about this," November said.This story was first reported by Sabirah Rayford at WPTV in West Palm Beach, Florida. 1725

WEST PALM BEACH, Fla. - Roses are red and Ken Lerman’s suit is too.If you see his bouquets, he has a message for you.The 55-year-old loves to love and he now uses roses to let people know it.There’s some pain behind Lerman’s purpose.His, “Roses for Change,” campaign began this summer after he and people across the country witnessed the fallout following the death of George Floyd while in police custody.“How can one human being do that to another human being, I was crying when I saw it,” says Lerman.Armed with roses and a message of love Lerman says he wanted to reach those most affected.“I gotta give this to all the African Americans, they’re hurting,” he tells WPTV.His message has since caught on both online and in Palm Beach County where he regularly shares love and roses to people of all colors. We caught up with Lerman with a hundred of his favorite flowers in hand at the Milagro Center in Delray BeachHigh Schooler, Dachinise Philbert, says, “I was surprised and I was like oh I love you too.”A lot of these teens say it’s been a while since they’ve heard those words directed at them and even longer since they’ve been given flowers.Philbert says, “It was kind of weird at first I was like roses? I didn’t expect that but it was pretty nice a pretty nice gesture."6th grader Isaiah Taylor had a similar interaction with Lerner.“He said I love you, you stay safe and told my grandma happy birthday too,” says Taylor.Lerman says he hopes the connection he makes with strangers leaves a lasting impact, “So maybe other people will give roses maybe boyfriends will give roses to their wives or their partners that people will just go out and spread the love that’s my mission every single day to spread love in the Florida community and transform the world with love.”Because maybe it’s true, all you really need is love.This story was first reported by Chris Gilmore at WPTV in West Palm Beach, Florida. 1927

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