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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 has agreed to review a court decision that the NCAA has said blurred “the line between student-athletes and professionals.” A lower court ruling removed caps on education-related money that certain football and basketball players can receive. The case will be argued before the Supreme Court in 2021 with a decision expected before the end of June. The NCAA contends that antitrust law allows its member schools to impose certain restrictions, like on athlete compensation, in an effort to promote competitive equity and have a product for dans that is distinct from professional sports, according to USA Today. The NCAA claims a change to this arrangement would have larger implications on professional level sports leagues. An appeals court panel in May upheld a lower court ruling barring the NCAA from capping education-related compensation and benefits for student-athletes in Division I football and basketball programs. Such benefits could include cash payments for academic performance. The lower court's ruling said the NCAA could still set limits on compensation not connected to education. The association has revealed proposed rule changes that would allow athletes to make money from their names, images and likeness. Those proposed changes are set to be voted on in January. Division I conferences can still independently set their own rules. 1395

Walmart has announced that it will no longer keep "multicultural hair care and beauty products" behind lock and key.The announcement comes as customers raised concerns about the practice.In a statement to E.W. Scripps, the company said about a dozen of its 4,700 stores nationwide placed the products in locked cases.“As a retailer serving millions of customers every day from diverse backgrounds, Walmart does not tolerate discrimination of any kind," the company said in a statement. "Like other retailers, the cases were put in place to deter shoplifters from some products such as electronics, automotive, cosmetics, and other personal care products."According to USA Today, Walmart previously stated that the decision about locking up products came down to individual store managers before the reversal amidst George Floyd protests.“We’re sensitive to the issue and understand the concerns raised by our customers and members of the community and have made the decision to discontinue placing multicultural hair care and beauty products in locked cases," the company said in the statement. 1102

VOTE:?How do you feel about fighting in hockey? The Red Wings and Flames brawled in the third period of Detroit's 8-2 win. Watch the fight here. 157

VISTA, Calif. (KGTV) — Jurors have reached a verdict in the trial of a documented Escondido gang member accused of killing a passing motorist while attempting to shoot rival gang members.Dionicio Torrez Jr., 25, was charged with murder in connection with the death of 55-year-old Catherine Kennedy.Friday, jurors found Torrez Jr. guilty of first-degree murder with a special-circumstance gang allegation, attempted murder, and shooting at an occupied vehicle. He will be sentenced on Dec. 20.RELATED: 514