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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

WHILE PUBLIC HEALTH EXPERTS ARE URGING AMERICANS TO GET VACCINATED, the process will require some patience as the supply will be limited initially. — The Federal Trade Commission’s website warned Americans on Tuesday that scammers could use coronavirus vaccines as a way to swindle the public.In the coming weeks, many high-risk Americans, mostly those who work in health care settings or those who live or work in assisted living facilities, will begin getting vaccinated against the coronavirus. The vaccines, however, likely won’t reach the broader American public for at least several months.While public health experts are urging Americans to get vaccinated, the process will require some patience as the supply will be limited initially.The Federal Trade Commission issued a series of recommendations to prevent getting conned.You likely will not need to pay anything out of pocket to get the vaccine during this public health emergency.You can’t pay to put your name on a list to get the vaccine.You can’t pay to get early access to the vaccine.No one from a vaccine distribution site or health care payer, like a private insurance company, will call you asking for your Social Security number or your credit card or bank account information to sign you up to get the vaccine.Beware of providers offering other products, treatments, or medicines to prevent the virus. Check with your health care provider before paying for or receiving any COVID-19-related treatment.The Federal Trade Commission is asking those who believe they are being the target of a scam to contact them at ReportFraud.ftc.gov. 1614

While most performers have had to shelve public performances during the coronavirus, musician Trey Songz performed at a nightclub in Columbus, Ohio, on Saturday.According to Trey Songz’s social media accounts, he performed at the Aftermath Nightclub on Saturday.While in normal times, the concert wouldn’t be newsworthy, the performance prompted Columbus City Attorney Zach Klein to order the nightclub temporarily closed, claiming the concert violated state COVID-19 requirements. He issued a restraining order against the club on Tuesday. Klein says the order will be effective until the case goes before a court, which he says could come on December 17.Ohio currently requires people in public indoor spaces to wear masks unless they’re actively eating or drinking. Klein said that the nightclub disregarded the mandate, based on an investigation by the Ohio Investigative Unit. His office estimates that 500 people were attendance at the concert.“Last weekend’s indoor concert at Aftermath was in blatant disregard of COVID-19 health orders and social distancing best practices,” said Klein. “We are in the middle of a surge in coronavirus infections, yet the owners of Aftermath planned to continue hosting large-scale events at their venue, including this upcoming weekend. In the interest of community health, we secured an immediate shutdown of this property.”Videos shared on Instagram from attendees of the performance showed hundreds of people congregated around the stage standing shoulder to shoulder, with few people wearing masks.In October, Songz posted on Instagram that he had tested positive for the virus. "I will be taking it seriously," Songz said. "I've always taken it serious. If you come in contact with COVID, please do the same. Please do the same."Ohio set its one-day record for coronavirus cases with more than 25,000 reported on Tuesday, but officials said that 13,000 of those cases were due to a backlog in reporting. 1959

With a crowd of onlookers gathered around, New York Police officers encircle a woman and her child on the ground.One officer reaches down and begins to pull. The officer yanks harder, and harder, and the woman's cries become louder."You're hurting my son! You're hurting my son!" she yells.A tug of war ensues, and as noise from the horrified crowd builds, an officer brandishes a yellow stun gun and begins to point it around the room, a government welfare office in Brooklyn.The stunning and hectic scene, captured on video and posted to Facebook, ends with the woman in handcuffs escorted from the scene — and her 1-year-old son elsewhere. A family member took custody of the child following the arrest, the NYPD said.The forceful arrest of the unarmed mother at a social services office has caused a significant backlash, particularly from those who saw it as an unnecessarily violent escalation and a symbol of how the poor are treated in America."Being poor is not a crime. The actions of the NYPD in this video are appalling and contemptible," said Letitia James, the Public Advocate for New York City.Facing criticism, the NYPD and the New York City Human Resources Administration are now reviewing that December 7 arrest."Video images of the incident in the 84th precinct are troubling," the NYPD said in a statement, adding that the review will "include examination of all available video of the incident."Corey Johnson, the speaker of the New York City Council, said it was "unacceptable, appalling and heart breaking.""I'd like to understand what transpired and how these officers or the NYPD justifies this. It's hard to watch this video," he said on Twitter.On Facebook, James called for a full investigation into the officers' conduct and said the results should be made public. She also called for the officers involved, including their assigned supervisor, to be assigned to desk duty until an investigation is complete."No mother should have to experience the trauma and humiliation we all witnessed in this video," she said. 2056

With a coronavirus vaccine still months off, companies are rushing to test what may be the next best thing: drugs that deliver antibodies to fight the virus right away, without having to train the immune system to make them.Antibodies are proteins the body makes when an infection occurs; they attach to a virus and help it be eliminated. Vaccines work by tricking the body into thinking there’s an infection so it makes antibodies and remembers how to do that if the real bug turns up.But it can take a month or two after vaccination or infection for the most effective antibodies to form. The experimental drugs shortcut that process by giving concentrated versions of specific ones that worked best against the coronavirus in lab and animal tests.“A vaccine takes time to work, to force the development of antibodies. But when you give an antibody, you get immediate protection,” said University of North Carolina virologist Dr. Myron Cohen. “If we can generate them in large concentrations, in big vats in an antibody factory ... we can kind of bypass the immune system.”These drugs are believed to last for a month or more and could give quick, temporary immunity to people at high risk of infection, such as health workers and housemates of someone with COVID-19. If they proved effective and if a vaccine doesn’t materialize or protect as hoped, the drugs might eventually be considered for wider use, perhaps for teachers or other groups.They’re also being tested as treatments, to help the immune system and prevent severe symptoms or death.“The hope there is to target people who are in the first week of their illness and that we can treat them with the antibody and prevent them from getting sick,” said Dr. Marshall Lyon, an infectious disease specialist helping to test one such drug at Emory University in Atlanta.Having such a tool “would be a really momentous thing in our fight against COVID,” Cohen said.Vaccines are seen as a key to controlling the virus, which has been confirmed to have infected more than 20 million people worldwide and killed more than 738,000. Several companies are racing to develop vaccines, but the results of the large final tests needed to evaluate them are months away.The antibody drugs are “very promising” and, in contrast, could be available “fairly soon,” said Dr. Janet Woodcock, a U.S. Food and Drug Administration official who is leading government efforts to speed COVID-19 therapies. Key studies are underway and some answers should come by early fall.One company, Eli Lilly, has already started manufacturing its antibody drug, betting that studies now underway will give positive results.“Our goal is to get something out as soon as possible” and to have hundreds of thousands of doses ready by fall, said Lilly’s chief scientific officer, Dr. Daniel Skovronsky.Another company that developed an antibody drug cocktail against Ebola — Regeneron Pharmaceuticals Inc. — now is testing one for coronavirus.“The success with our Ebola program gives us some confidence that we can potentially do this again,” said Christos Kyratsous, a Regeneron microbiologist who helped lead that work.Regeneron’s drug uses two antibodies to enhance chances the drug will work even if the virus evolves to evade action by one.Lilly is testing two different, single-antibody drugs — one with the Canadian company AbCellera and another with a Chinese company, Junshi Biosciences. In July, Junshi said no safety concerns emerged in 40 healthy people who tried it and that larger studies were getting underway.Others working on antibody drugs include Amgen and Adaptive Biotechnologies. The Singapore biotech company Tychan Pte Ltd. also is testing an antibody drug and has similar products in development for Zika virus and yellow fever.“I’m cautiously optimistic” about the drugs, said the nation’s top infectious diseases expert, Dr. Anthony Fauci. “I’m heartened by the experience that we had with Ebola,” where the drugs proved effective.What could go wrong?— The antibodies may not reach all of the places in the body where they need to act, such as deep in the lungs. All the antibody drugs are given through an IV and must make their way through the bloodstream to wherever they’re needed.— The virus might mutate to avoid the antibody — the reason Regeneron is testing a two-antibody combo that binds to the virus in different places to help prevent its escape.Skovronsky said Lilly stuck with one antibody because manufacturing capacity would essentially be cut in half to make two, and “you will have less doses available.” If a single antibody works, “we can treat twice as many people,” he said.— The antibodies might not last long enough. If they fade within a month, it’s still OK for treatment since COVID-19 illness usually resolves in that time. But for prevention, it may not be practical to give infusions more often than every month or two.A San Francisco company, Vir Biotechnology Inc., says it has engineered antibodies to last longer than they usually do to avoid this problem. GlaxoSmithKline has invested 0 million in Vir to test them.Giving a higher dose also may help. If half of antibodies disappear after a month, “if you give twice as much, you will have two months’ protection,” Lilly’s Skovronsky said.— The big fear: Antibodies may do the opposite of what’s hoped and actually enhance the virus’s ability to get into cells or stimulate the immune system in a way that makes people sicker. It’s a theoretical concern that hasn’t been seen in testing so far, but large, definitive experiments are needed to prove safety.“As best as we can tell, the antibodies are helpful,” Lyon said.___Marilynn Marchione can be followed on Twitter: @MMarchioneAP___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content. 5919