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Months into working from home, it’s time to check in with yourself. How is your work-life balance? Have you figured out when and how you work best? And when did you last shower?As work and home life meld, it’s difficult to maintain boundaries, stay productive and take care of your mental health amid the pandemic.Since work from home orders are likely to stick around for those lucky enough to do their jobs away from their workplace, now is a good opportunity to professionalize your work habits and find a sustainable setup for the coming months.Know yourself and work accordinglyYou may instinctively know when you’re at your peak performance and what conditions you need to achieve it. Some people are at their best right after they’ve had their morning coffee and settled in at a desk. Others might sleep in and then start work while still in bed.Clearly defining when and how you work best helps you set clear expectations for yourself and your colleagues.To understand when you’re most productive, career coach and entrepreneur Felecia Hatcher recommends conducting a time audit. Track your workday in 15-minute increments for one week. “A time audit is going to radically change your life personally, and then you get to showcase to your boss when your most productive times of day are,” Hatcher says.Keep track of your audit in a spreadsheet or a notebook, detailing meetings, lunch breaks, blocks of time dedicated to heads-down work, and stretches when you don’t get much done. This will reveal when you’re productive and when you might be better served taking a break, going for a walk or taking a power nap.Next, think about conditions that help you focus.Some need to sit in a specific spot to accomplish anything. Others might just need an internet connection, wherever that may be. Bari Tessler, a financial therapist who has worked from home for two decades, says that only you know how you work best.“Every day is different and you have to go with the flow,” says Tessler. “You just have to know who you are.” Ignore prescriptive guidance about not working from bed or getting dressed like you’re going into the office. Create the conditions you feel most comfortable with.Structure — and communicate — your balanceUse your insights about how and when you work best to flesh out your idea of work-life balance or something close to it. Then bring that plan to your colleagues for a candid conversation.“I always look at the equation of time, money, energy, family and health, and I make all my decisions from that,” Tessler says.Finding your personal balance might mean being more deliberate about what you’ve already been doing, or making changes.For example, if you found you’re not particularly productive during regular working hours, think of ways to mix it up. You might want to block out time midday to run errands or meditate. Or maybe you can work alternative hours, outside of the typical 9-to-5. This might be a necessity for parents as some school districts plan to start the school year with virtual learning.If you haven’t already, establish an ongoing dialogue with your manager and colleagues. Hatcher advises using what you learned during your evaluation to guide the conversation.“Structuring your time is about setting healthy boundaries personally and setting work boundaries,” Hatcher says. “And using what you learned from your time audit can help you have a data-driven conversation with your boss rather than anecdotal conversation.”You might have to make compromises, depending on job requirements, but you’ll be working from a good starting point.Give yourself a breakYou may have seen social media posts saying, “You’re not just working from home, you’re working from home in the middle of a global pandemic.” While that might come across as a little melodramatic, it’s true.Between managing personal and financial fears around the coronavirus pandemic and grappling with the national conversation around racial inequity, having to face your job as if everything is normal can be exhausting.Hatcher says: “Things are so weighty right now. … We’re so quick to say, ‘My life is falling apart but I gotta show up tomorrow,’ but no, don’t do that. Take a break.”If you’re feeling burned out by work or overwhelmed by the news, look into taking time off if your work situation allows. An internet-free staycation can help you unplug, center yourself and return to work refreshed.This article was written by NerdWallet and was originally published by The Associated Press.More From NerdWalletCan You Really Trust Your Payment App?Why You Might Not Want to Zero Out Every Credit CardWhat to Do When Your 0 Weekly Unemployment Check ExpiresSean Pyles is a writer at NerdWallet. Email: spyles@nerdwallet.com. Twitter: @SeanPyles. 4777

Months after COVID-19 forced an unprecedented global shutdown that set the stage for historic job losses, things are starting to go back to normal.Unemployment appears to be improving – at least at surface level. The monthly unemployment rate declined in May and the economy added an estimated 2.5 million jobs that month.But there’s a disparity these reports don’t highlight – what unemployment looks like right now for people of color.In May, unemployment was highest among Latinx workers, at 17.6%. In the same month, Black unemployment reached 16.8%, its highest level in a decade. Asian unemployment also rose in May, to 15%.You start to see disparities when you bring in white unemployment. In May, it dropped 2.5% to 12.4%. That’s the biggest monthly drop – and lowest monthly rate – of any group.Experts say career distribution can help explain some of the disparities. People of color fill a disproportionate number of jobs in retail and hospitality. Those jobs were some of the first to be cut as the new coronavirus spread.But people of color also fill a big portion of jobs like grocery clerks and cooks. Those jobs, which are considered “essential” right now, traditionally don’t pay much and have been considered most expendable in past economic downturns.With Black workers earning the lowest median income of any group in the United States, experts worry any cuts to the currently “essential” workforce would have a disproportionate impact.Beyond the pandemic, numbers show Black unemployment is consistently higher than white unemployment. There’s been progress, though. The gap has been narrowing since the great recession and reached a low point in late 2019. 1686

NBA commissioner Adam Silver said Tuesday that he believes that the league's next season won't begin until 2021."We said a week ago or so that the earliest we would start is Christmas of this year," Silver told sportscaster Bob Costas during an appearance on CNN Tuesday. "But the more I'm learning and listening to Dr. Fauci this morning, I continue to believe that we're going to be better off getting into January."The NBA season typically tips off in October, with the NBA Finals culminating in June. However, the current 2019-2020 season was delayed for several months due to the COVID-19 pandemic, and the league is currently is still in the midst of the conference semifinals.In addition, Silver said Tuesday that it's the league's goal to play a standard 82-game season and playoffs in 2021."Further, the goal would be to play games in home arenas in front of fans, but there's still a lot we need to learn in terms of rapid testing, for example. Would that be a means of getting fans into our building? Will there be other protections?" Silver said.Upon restarting its season in July, the NBA opted to hold all games and board all players, coaches and team personnel at the ESPN Wide World of Sports Complex at Disney World. Players and coaches must remain at the resort at all times in order to be eligible to play. Only about two-thirds of teams continued play in the 2020-21 season, and a seeding round was conducted before the standard playoffs began.MLB and the NFL chose to play games in home stadiums with limited or no attendance upon the start of their seasons. Silver says he hopes to learn from those sports before making a final decision on the 2021 season."There's a lot of new information out there in the marketplace that we're looking to absorb. But the goal is to play a standard season," Silver said. 1835

Mortgage rates have been low for months, but currently, about 19 million homeowners who are eligible to refinance haven't cashed in.According to data analytics firm Black Knight, these homeowners have a credit score of 720 or more and at least 20% equity in their homes. They could save nearly 0 a month on average.A new survey by YouGov for Forbes Advisor found that 34% of homeowners say they’re not sure refinancing is worth it.A mortgage analyst at Forbes Advisor says one reason people may be hesitant is they don't want to deal with banks that are overloaded with applications right now.“Borrowers really need to advocate for themselves, so make sure that you call your lender if you haven't heard from them in over a week let’s say or just really stay on top of it and at the end of the day. If you're not getting the service that you want, there are many other lenders that would be happy to get your business,” said Natalie Campisi, Mortgage Analyst at Forbes Advisor.Another reason you should act now if you've been considering refinancing, is there's a new fee. It starts on December 1, but your loan may not be processed before then if you don't start the process now.“What you want to do is talk to your lender,” said Campisi. “If you decide to apply for a loan, ask them, say you know will you roll this fee into the cost of my loan, which some lenders are doing, and find out some lenders might be able to process your application before December 1.”Campisi says you can benefit the most from refinancing if you're not planning to move within the next few years. Also, if you have more than 10 years left on your mortgage.You also need to consider closing costs that can average around ,000. Most experts recommend you need to be saving at least 0 a month to make those costs worth it. 1816

MILWAUKEE -- The Milwaukee Police Department has released body camera footage from the January arrest of Milwaukee Bucks player Sterling Brown.Brown was tased and arrested at a south side Walgreens on Jan. 26 after double parking across two disability parking spaces. It happened at the Walgreens on S. 26th St. and W. National Ave. In a news conference Wednesday evening, new Police Chief Alfonso Morales apologized for the behavior of his officers."I am sorry this incident escalated to this level," Chief Morales said.Watch the full video here: 565