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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

WASHINGTON — The Supreme Court is leaving in place a decision that rejected environmental groups’ challenge to sections of wall the Trump administration is building along the U.S. border with Mexico. The high court on Monday declined to hear an appeal involving the construction of 145 miles of steel-bollard walls along the border in Arizona, California, New Mexico and Texas. Environmental groups had challenged a federal law that allows the secretary of Homeland Security to waive any laws necessary to allow the quick construction of border fencing. Environmental groups argued that it violates the Constitution’s separation of powers. But a lower court dismissed the case. 685

Walmart is looking to go green by 2040.The world's largest retailer announced they plan to electrify and eliminate emissions from all of its vehicles, including long-haul trucks. They also want to transition to low-impact refrigerants for cooling and powering its equipment to heat its stores, clubs, and data and distribution centers to reach zero emissions."We want to play an important role in transforming the world's supply chains to be regenerative. We face a growing crisis of climate change and nature loss, and we all need to take action with urgency," Doug McMillon, President and CEO of Walmart, said in the release. "For 15 years, we have been partnering to do the work and continually raising our sustainability ambitions across climate action, nature, waste, and people. The commitments we're making today not only aim to decarbonize Walmart's global operations, they also put us on the path to becoming a regenerative company – one that works to restore, renew and replenish in addition to preserving our planet, and encourages others to do the same." By 2030, the company added they plan to manage at least 50 million acres of land and one million square miles of ocean to "help combat the cascading loss of nature threatening the planet."And by 2035, the company said they plan to harvest enough wind, solar and other renewable energy sources to power its facilities with 100% renewable energy. 1419

WASHINGTON (AP) — For the first time in Marine Corps history, women are attending a previously male-only combat training course in California.Marine Capt. Joshua Pena said 40 female Marine students checked-in Tuesday to the Marine Combat Training Battalion at Camp Pendleton.The move comes at least seven months after senior Marine leaders said they were considering the change, amid criticism that much of the early training excludes women.The entry-level course is for Marines who've finished boot camp and aren't assigned to infantry jobs. It lasts about a month and involves basic combat training, including patrol and convoy operations, marksmanship and the use of grenade launchers and machine guns.Pena said the female Marines will be fully integrated with the men, and that their inclusion triggered no changes to the course instruction. He said that eventually as many as 1,700 women would go through the combat training there each year.Currently Marine boot camp on the West Coast is only for male recruits. Women attend boot camp at Parris Island in South Carolina, where they are separated from the men for portions of the training. Congress members have been critical of that policy, and the Corps has been reviewing it.Until now, half of the Marine Corps' male recruits would go through their initial training on the West Coast where they had no female colleagues. A key reason for the limits is the shortage of female recruits. Women make up just 8.7 percent of the Corps.But Marine leaders have been eyeing changes with the belief that giving the men greater exposure to women recruits during training could foster better relations and greater respect over time. 1686

WASHINGTON — Vandalism at four downtown Washington churches after rallies in support of President Donald Trump is exposing rifts among people of faith as the nation confronts bitter post-election political divisions. The houses of worship that were vandalized included two historically Black churches where people ripped down Black Lives Matter banners. Video posted to social media showed one banner being burned, defacement that police say is being investigated as possible hate crimes. Rev. Dr. Ianther Mills, the senior pastor at Asbury United Methodist Church, compared the vandalism of the banners to a cross burning in a statement released on Sunday. On Monday, she said she hoped evangelical Christians condemn the vandalism, but added that she didn't want to make her statements about politics.At the Mount Vernon Place United Methodist Church nearby, a banner with colors supporting LGBTQ rights was slashed by protesters.“People need to denounce it and call it an act of racial violence,” Claycomb Sokol told The Associated Press. “People who have been really quick to be silent need to wrestle with what actually took place on our streets on Saturday, and how silence can actually be a sign of support, of complicity.”The vandalism also raised questions among some pastors and members at the churches about why more fellow Christians were not speaking out against the incidents. 1398

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