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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, CA (KGTV) -- As 9/11 approaches, we reflect on those who lost their lives, as well as, military members who have fought and continuing to fight for our freedoms. And in Encinitas they are doing just that, as one local business is paying tribute with the name on their products. The name of the company is Bubs Naturals, and they are all about a healthy living."Bubs Naturals is the highest grade collagen protein and MCT oil powder that you can get on the market. It's a fantastic way to supplement your life and create a healthier you," says co-owner Sean Lake.So how did the name Bubs come about? For Sean it all goes back to a childhood friendship."Bubs is a tribute to Glen "Bub" Doherty. He was a former Navy SEAL, an Encinitas resident, my roommate, and lifelong friends since we were kids."A friendship that ended way too soon."Glen was one of the Navy SEAL'S who was killed in the terrorist attacks on 9/11 in Benghazi, Libya. So the brand is a tribute to Glen and his way of life, which was a guy who stood for self improvement."In their younger years, Sean says he and Glen might be considered ski bums."Two guys turning 25, who were trying to figure out what we were going to do with our lives."Sean ended up going to college in Utah, while Glen decided to become a Navy SEAL."We joked about that old Charlie Sheen movie Navy SEAL's, and I was like, that's what you want to do?"While Sean and his partner T.J. are the Co-Founders of Bubs Naturals, Glen plays a major part in the company. "We joked that Glen is the third partner at Bubs. He's apart of this operation as his spirit is in everything that we do."And in Glen's memory, Bubs donates 10% of their sales to the Glen Doherty Memorial Foundation which provides scholarships for military veterans and their families. 1804

Excited to see the new Star Wars movie? You're not as excited as Ronan Christian.“I'm really, really, really, really, really, really, happy that I'll be able to see another movie, correctly,” said the 12-year-old from Lancaster. Ronan is legally blind. He's also pumped to see Solo, clearly and without constant explanations.“It's been blurry and I would have to have my brother or my dad tell me what's going on,” said Christian.It's hard to miss his Star-Wars-like contraption on his face. It's called eSight. There are screens that show a picture that Ronan can adjust from a controller in his pocket.    While seeing a movie is huge for the 12 year old, it’s the simple things that made the biggest impression on him. “I could finally see my family,” said Christian.Ronan watched Solo at Dipson Flix in Lancaster. The theater is taking donations from movie-goers for 13 other kids, just like Ronan, to get a pair of eSight glasses.   975

ESCONDIDO (CNS) - Escondido police today arrested a man after he allegedly jumped on top of a patrol car and began striking it with a rock.Related: Rincon Middle School closed after social media threatAt about 9:45 a.m., a patrol sergeant pulled up to the intersection of Washington Avenue and Quince Street when he witnessed a man run up to his patrol SUV, jump onto the back and begin smacking a rock onto the vehicle's roof, Escondido Police Sgt. Eric Olson said.The man also tore off the vehicle's rear windshield wiper before attempting to flee east on Washington Avenue, Olson said. Officers managed to pursue him and place him under arrest.Related: Officer involved shooting at Valley View CasinoDavid Entzminger, 29, was being taken to jail on suspicion of felony vandalism and being under the influence of a controlled substance, Olson said. 858

Federal health officials Wednesday issued insurance coverage rules designed to deliver on the promise that every American will have access to free COVID-19 vaccines when they are approved.The regulations from the Centers for Medicare and Medicaid Services, or CMS, will also increase what Medicare pays hospitals for COVID-19 treatments. The changes arrive at a time when coronavirus infections are rising in much of the country, signaling a third wave that could eclipse the number of cases seen earlier this year.Congress and President Donald Trump have already enacted legislation that calls for vaccines to be free, but the new rules were needed to align that policy with the many arcane payment requirements for public and private insurance.“CMS is acting now to remove bureaucratic barriers while ensuring that states, providers and health plans have the information and direction they need to ensure broad vaccine access and coverage for all Americans,” agency head Seema Verma said in a statement.The rules aim to resolve potential legal issues over whether Medicare could cover a vaccine that receives “emergency use authorization” from the Food and Drug Administration. That’s a step short of full approval, and questions arose about whether Medicare could pay under its standard coverage policies.Under Wednesday’s announcement:— Seniors with traditional Medicare will pay nothing for COVID-19 vaccines, and any copays and deductibles are waived.— The government will pay private Medicare Advantage plans to administer the vaccine to seniors. Enrollees will not be charged.— Workplace and individual health insurance plans will cover the COVID-19 vaccine as a preventive service, with no cost sharing. The requirement applies to the vast majority of private plans, which are mandated to cover approved preventive care under the Obama-era Affordable Care Act — even as the Trump administration is trying to overturn that law at the Supreme Court.— State Medicaid and Children’s Health Insurance plans will have to provide vaccines for free for the duration of the coronavirus public health emergency.— Doctors, clinics and hospitals vaccinating uninsured people will be able to get paid through a federal fund set up to assist health care providers under financial stress.The regulations take effect immediately.A White House-backed initiative called “Operation Warp Speed” seeks to have a vaccine ready for distribution in the coming months. The government is spending billions of dollars to manufacture vaccines even before they receive FDA approval, thereby cutting the timeline for delivery. Officials at the FDA have pledged that the program will not interfere with their own science-based decisions. Vaccines that do not meet the test for approval would be discarded. 2791

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