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While Democrats are projected to take control of the US House, the party hoped that a blue wave would include winning a number of major gubernatorial seats. But in two larger states, Republican candidates hung on and won in Florida and Ohio. This came as some polls showed Democrats leading in those states heading into Tuesday's Election Day. In Florida, Republican Ron DeSantis held off Andrew Gillum, the Democrat who is the mayor of Tallahassee. DeSantis held a 1-percent advantage with more than 99 percent reporting. In Ohio, Republican state Attorneys General Mike DeWine defeated Democrat Richard Cordray. Cordray was previously appointed to the Consumer Protection Finance Board by President Barack Obama. DeWine had previously defeated Cordray in 2010 for the state's AG position. In a fierce battle in Georgia, Democrat Stacey Abrams said she is vowing to continue her fight despite trailing Republican Brian Kemp by a 51 to 48 margin late on Tuesday. The only county with outstanding votes remaining is the Democratic stronghold of Fulton County, which includes the city of Atlanta. If Kemp falls below the 50-percent threshold, the race will go to a runoff. Kemp has come under fire from Abrams' campaign for administering the election as secretary of state while running for governor. Abrams' campaign added that they expect that there are still nearly 45,000 uncounted votes in Democratic-leaning counties from paper ballots.In Iowa, Republican Kim Reynolds, who was previously the lieutenant governor of the state, defeated Democrat Fred Hubbell in a tight race. Although the results were disappointing for Democrats in Florida in Ohio, the Democrats have turned over at least four governor's seats on Tuesday. In Kansas, Democrat Laura Kelly is projected to win the seat there. Congresswoman Michelle Lujan Grisham was elected to New Mexico's governor seat. J.B. Pritzker, a first-time candidate and venture capitalist, won the governor's seat in Illinois. Former Michigan state senator and prosecutor Gretchen Whitmer was elected as the governor of Michigan.  2185

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

With coronavirus cases spreading among White House staff, the Commission on Presidential Debates confirmed Monday evening that a Plexiglas partition will be used on stage during Wednesday’s vice presidential debate.Peter Eyre, a senior adviser to the debate commission, said that the candidates will be seated 12 feet, 3 inches apart, and that there will be no handshakes allowed on stage between the candidates or moderator.Eyre added that the candidates, Vice President Mike Pence and Senator Kamala Harris, will be tested for the coronavirus before the debate. For the previous debate, the candidates were responsible for their own coronavirus testing.Only the candidates and moderator will be allowed to not wear a mask during the debate, also a change from last week’s presidential debate. During last week’s presidential debate, members of President Donald Trump’s entourage took off their masks during the debate.Eyre said that a small number of ticketed guests will be allowed into the debate hall in Utah.“If anyone does not wear a mask, they will be escorted out,” Eyre confirmed.Plexiglas was also used in last Saturday's US Senate debate between Republican Lindsey Graham and Democrat Jamie Garrison. A Pence aide said a divider was "not needed."“If she wants it, she’s more than welcome to surround herself with plexiglass if that makes her feel more comfortable,” Marc Short, the vice president’s chief of staff, told the Washington Post. “It’s not needed.” 1479

When a vaccine is approved, who will get it? How will it get to them?Johns Hopkins has a plan to make front line workers and those most vulnerable first in line. Other experts say that may not be the best approach.“It may be better to immunize people who are at high risk of transmitting the virus both because of jobs, living situations and other circumstances,” said Dr. Ezekiel Emanuel while speaking with the head of the Journal of the American Medical Association. “And that I think we have to leave an open mind and look at some detailed modeling about what the best way is to reduce the premature mortality.”Emanuel says transmission between health care workers and patients is basically zero where he is. He says effective PPE use is the reason.The groups Johns Hopkins said should get a vaccine first could be as big as 90 million people.Emanuel says there won't be enough doses out of the gate to get all of any initial groups.“You don’t actually distribute it evenly among countries,” he said. “You concentrate on countries that at the moment when you have the vaccine have severe hot spots and where the vaccine is going to make the biggest difference in terms of reducing premature death.”Johns Hopkins experts say a vaccine's effectiveness is measured on preventing disease. That doesn't mean it prevents infection and transmission. We won’t know how effective it will be until after it’s in use.“A disease transmission strategy makes a lot of sense, but we need a lot more information before we can know who to prioritize,” said Dr. Eric Toner, a senior scholar at the Johns Hopkins Center for Health Security. “It’s quite possible we will go to a strategy like that.”The World Health Organization said younger people in their 20s, 30s and 40s are increasingly driving spread.The first vaccines will likely be two doses. Experts say that means double the syringes, needles, vials and other supplies, along with getting people to come back for a second dose. 1980

When it comes to our cars, the cost of gas, oil changes, tires, insurance, and those dreaded repairs all add up. Many drivers don't realize how much their car really costs them.Kat Coughlin knows how expensive an older car can become."The tie rod, the tires, the transmission went out," she said about her older Taurus. "I think we spent about ,000 trying to repair it."Repairs like that can blow the budget. So it helps to know the true cost of owning a car, not just the monthly cost that the salesman puts on the sales sheet.AAA adds up all the costs and feesA new study by AAA finds the average cost of owning a new car is ,469 a year for 2017, when you factor in depreciation, insurance, gas and maintenance costs.AAA says a lot of people buy a car just based on emotions, looking only at that monthly payment of, say, 0 a month. But AAA says you are really paying 0 a month, on average.The agency says drivers don't stop to think what it will cost to maintain the car over a year or two, whether or not it is off the manufacturer's warranty.Bobby Drake is the head mechanic at an AAA repair shop."Even if it's a relatively new car you still have a lot of maintenance," he said.He says many people add to those costs by postponing maintenance, to save a few bucks now.For instance, he sees them wait for the brakes to wear down to metal, and start grinding. That will require costly new rotors in most cases, he says, turning a 0 brake-pad job into a 0 brake and rotor job."Follow the manufacturer's recommended maintenance, and that will definitely save you a lot of money in the long run."Differences between vehicle typesMeantime AAA says some types of vehicles cost a lot more to operate than others.Assuming gasoline at .34 a gallon, AAA says you can expect to pay the following amounts. 1848

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