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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 (AP) — Former special counsel Robert Mueller is sharply defending his investigation into ties between Russia and Donald Trump’s 2016 presidential campaign. Mueller writes in a newspaper opinion piece Saturday that the probe was of “paramount importance” and asserts that Trump ally Roger Stone “remains a convicted felon, and rightly so” despite the president’s decision to commute his prison sentence. The op-ed in The Washington Post marks Mueller’s first public statement on his investigation since his congressional appearance last July. It's his firmest defense of the two-year probe whose results have come under attack and even been partially undone by the Trump administration.RELATED: President Trump commutes prison sentence of political ally Roger Stone 783

WASHINGTON — Now that President Donald Trump has signed a government spending bill that includes 0 billion for COVID-19 relief, members of the House of Representatives voted on a standalone measure Monday to increase the amount Americans get in direct payments as part of that package.The bill passed with wide Democratic support. The relief package, which took months to negotiate, includes up to 0 in direct payments to individuals.After being in limbo for several days, the president finally signed the bill Sunday night, after the House and Senate passed it Tuesday.The president initially called the bill, which includes the federal government spending bill that funds the government for the next fiscal year in addition to COVID-19 relief measures, a “disgrace” in a video posted to Twitter last week. He called on Congress to increase the amount of money Americans received in direct payments.In response to his signature on the bill, Speaker of the House Nancy Pelosi released a statement welcoming the news as it helps millions of Americans “struggling to stay afloat.”“Now, the President must immediately call on Congressional Republicans to end their obstruction and to join him and Democrats in support of our stand-alone legislation to increase direct payment checks to ,000,” the statement reads. “Every Republican vote against this bill is a vote to deny the financial hardship that families face and to deny the American people the relief they need.”Before going on a break for Christmas, the House quickly tried to pass an increase in direct payments in a process called unanimous consent. However, a Republican representative raised a competing measure, which meant the effort failed.At the time, Pelosi issued a statement that the House will be back in session on Monday, "where we will hold a recorded vote on our stand-alone bill to increase economic impact payments to ,000."As for when Americans could start seeing those checks, no matter what size they are, Treasury Secretary Steven Mnuchin said last week it would take about a week to process them once the details are finalized. 2124

VISTA (CNS) - A Carlsbad woman who fatally shot her husband during an argument while their children watched cartoons downstairs will not have her sentence reduced in light of a recent gun law.Julie Elizabeth Harper, 45, was convicted in October 2015 of second-degree murder in the death of her husband, Jason Harper. She was sentenced to 40-years-to-life in prison.This year, the 4th District Court of Appeal found Harper's case is affected by a new law (Senate Bill 620) that took effect in 2018. The law gives judges the ability to add a "gun enhancement" to a defendant's sentence because they used a gun in the crime.RELATED: Carlsbad woman convicted of killing husband could have years removed from sentenceIn sentencing Harper in January 2016, Bowman said her testimony that her husband, a popular math teacher and volleyball coach at Carlsbad High, came at her in a rage and that she shot him accidentally was "inherently untrustworthy and not worthy of belief."Harper's attorney, Gloria Collins, argued in court documents that the gunshot Harper fired was not an "execution-style" shot but rather a single shot that entered her husband's side and "unfortunately struck him in the heart."WATCH JULIE HARPER'S EXCLUSIVE INTERVIEW WITH 10NEWS (JAN. 2016): 1278

WASHINGTON (AP) — Hackers got into computers at the U.S. Treasury Department and possibly other federal agencies, touching off a government response involving the National Security Council. Security council spokesperson John Ullyot says on Sunday that the government is aware of reports about the hacks and is taking steps to identify and remedy any possible issues. Reuters reported Sunday that a group backed by a foreign government stole information from Treasury and a Commerce Department agency responsible for internet and telecommunications policy. Intelligence agencies are reportedly concerned that other agencies were hacked using similar tools. The Treasury Department on Sunday deferred comment to the National Security Council. 748