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VIRGINIA BEACH, Va. - As COVID-19 continues to wreak havoc on nearly all facets of life – your emergency fund is more important than ever."The industry standard is three to six months of living expenses in some kind of reserve," said Phil Maliniak, Financial Advisor with Wealth Avenue in Virginia Beach.Maliniak says putting together a nest egg is easy."It starts with understanding what you are doing each month a clear vision of where does my money go," he said.He says to start by paying yourself first – then run down a list of all your monthly expenses – and see what surplus is left."Make a checklist of each month, where does it all go, and how do I get my hands on the difference," he stated.To build a surplus, Maliniak says look at things you can ditch. Daily cups of coffee, donuts, streaming services, online shopping, etc. He says then look for incentives."There are little tricks bank accounts and credit card companies have come out with as they pay you every time you buy something or there are cashback options," he said.Another tip, since the virus is limiting what we all can do – stash away the extra income you would have used to go to restaurants, movie theaters, bars, concerts, or sporting events. He says also considers refinancing your loans since the Federal Reserve has slashed interest rates."If you create a reserve, you can create your own bank, and then you can borrow from your bank anytime and determine your own rates," he said.This story was first reported by Chelsea Donovan at WTKR in Norfolk, Virginia. 1550
VISTA (CNS) - A Carlsbad man who molested several young girls his girlfriend babysat was convicted of 35 felonies Friday, including kidnapping, sexual assault, burglary and conspiracy.Jurors deliberated for just two hours before finding Samuel Cabrera Jr., 25, guilty of molesting four young girls between 2014 and 2016 and videotaping his assaults. He faces life imprisonment when he is sentenced Jan. 7.His girlfriend, Brittney Mae Lyon, 26, also faces life imprisonment on the same charges for allegedly molesting the girls and videotaping Cabrera doing so, but will be tried separately. Her trial date is set for later this month.RELATED: Accused child molester was a San Marcos teacher's aideThe pair -- arrested in July 2016 -- allegedly molested the girls on various occasions in the victims' homes, in her home and in his.Investigators found video recordings of the crimes on hard drives inside Cabrera's car, according to trial testimony.The victims' mothers testified that they hired Lyon to babysit their daughters after finding her on childcare websites.One of those mothers testified that her daughter is on the autism spectrum and was nonverbal at the time of the molestations, when she was 6 and 7 years old. Lyon would babysit the girl at the victim's house during the week, even while her older brothers were home.On occasional weekends, however, Lyon would take the girl on her own for excursions she was not paid for and were unrelated to babysitting. Lyon allegedly told the mother that these outings would help her with a research paper she was writing as part of her degree, which she allegedly claimed was related to child development.The mother testified she was aware Lyon had a boyfriend, but had never met him and never consented to have him participate in any activities with her daughter.Another mother testified she hired Lyon to babysit her 3-and-a-half- year-old daughter on two occasions. After the second occasion, the girl informed her mother that Lyon had brought her boyfriend over to the house, and that the defendants had changed her underwear, she testified.Lyon said that she alone had changed the girl's underwear because it was torn, and that her boyfriend had only come over to bring her cold medicine. A subsequent doctor's examination did not reveal anything untoward, but the mother said she later read a news article detailing the couple's arrests and contacted police.Cabrera and Lyon were initially only charged on the basis of two of the victims. After police publicly disseminated information regarding their arrests, charges were added regarding the two other girls. 2627

Walmart is suing the U.S. government in a pre-emptive strike in the battle over its responsibility in the opioid abuse crisis.The government is expected to take civil action against the world’s largest retailer, seeking big financial penalties, for the role its pharmacies may have played in the crisis by filling opioid prescriptions.But on Thursday, Walmart filed a lawsuit saying that the Justice Department and the Drug Enforcement Administration are blaming the company for the government’s own lack of regulatory and enforcement policies to stem the crisis.Walmart says it is seeking a declaration from a federal judge that the government has no lawful basis for seeking civil damages from the company. It is also seeking to clarify its legal rights and duties under the Controlled Substance Act.Walmart operates more than 5,000 pharmacies in its stores around the country.“Walmart and its pharmacists find themselves in an untenable position,” the company based in Bentonville, Arkansas, says in the lawsuit filed in the U.S. District Court in the Eastern District of Texas. “Under defendants’ sweeping view, Walmart and its pharmacists may be held liable — perhaps even criminally — for failing to second-guess DEA-registered doctors and refuse their prescriptions. But if pharmacists do so, they may face the wrath of state medical boards, the medical community at large, individual doctors, and patients.”Walmart says in the suit that the Justice Department identified hundreds of doctors who have written problematic prescriptions that Walmart’s pharmacists allegedly should not have filled. But nearly 70% continue to have active registrations with the DEA, the lawsuit says.“In other words, defendants want to blame Walmart for continuing to fill purportedly bad prescriptions written by doctors that DEA and state regulators enabled to write those prescriptions in the first place and continue to stand by today,” the suit says.The lawsuit names the Justice Department and Attorney General William Barr as defendants. It also names the DEA and its acting administrator, Timothy Shea.In the suit, Walmart describes a government probe of the company that began in December 2016 and calls it a “misguided criminal investigation” conducted by the U.S. Attorney’s office for the Eastern District of Texas. Walmart says it fully cooperated with the probe.In the spring of 2018, the office advised that it intended to indict the company. In August 2018, Walmart said that officials at the Department of Justice recognized that there was no plausible basis for a criminal indictment, and the department formally declined to prosecute Walmart. But the civil investigation continued.The initial investigation was a subject of a story in ProPublica published in March. ProPublica reported that Joe Brown, then U.S. attorney for the Eastern District of Texas office, spent years pursuing a criminal case against Walmart for its opioid prescription practices, only to have it stymied after the retail giant’s lawyers appealed to senior officials in the Justice Department.Two months later, Brown resigned. He didn’t give a reason for his departure except to say he would be “pursuing opportunities in the private and public sectors” and “some of those will become apparent in the coming days. Brown went into private practice in the Dallas areaA spokeswoman for the U.S. attorney’s office in Texas that handled the investigation referred questions to the Justice Department in Washington. The Justice Department declined to comment. 3541
Was a dancing robot widely praised by Russian media just a man in a costume?Yes.A man in a ,000 costume managed to fool a lot of people at a recent youth forum dedicated to robots. 190
VIDEO: President Trump commits to 2nd stimulus. He says details would be announced in the coming weeks. The President would not tell me how much of a check Americans will receive. pic.twitter.com/Abd5E8P3Au— Joe St. George (@JoeStGeorge) June 22, 2020 265
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