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Americans are trying to form better financial habits in light of the recession, building emergency savings and paying down debt.However, many are finding savings accounts are now returning next to nothing in interest. That's because of the Federal Reserve's decision to keep interest rates low.Rates that were over 2.5% a year ago are down to under 1% now. But there are some other accounts that can get you a better return.“Something known as a rewards checking account might be a better option,” said Greg McBride, Chief Financial Analyst at Bankrate.com. “These are accounts that typically pay higher yields, higher than even online savings accounts, you might find 1.5, 2, 2.5%, but you have to meet certain qualifications each month to earn that deal.”Rewards checking accounts typically are offered by smaller community banks and credit unions. They usually come with monthly requirements though, like direct deposit, online bill pay, enrolling in e-statements, and using your debit card a certain amount of times. But those are things many people already use.In terms of saving versus paying down debt now, experts say to save.“That's really critical. No one knows what’s going to happen down the road in terms of jobs or income, so having some money put away will help you sleep at night,” said McBride.Just to give you an idea, you could make by saving around ,000 a year at 3% interest rate, which a rewards account might pay.That’s compared to just 60 cents in an average savings account, which only has about a .06% interest rate. 1556

An Oceanside City Councilman is proposing a tax credit for companies who hire Oceanside residents and pay them at least ,000 a year.Councilman Christopher Rodriguez says he wants to reward Oceanside businesses who hire locally. The proposal, which the City Council will initially discuss Wednesday, would pay Oceanside companies ,500 for each new hire who lives in Oceanside and is paid that minimum salary. "It's a big problem, housing affordability in North County," Rodriguez said. "North County, Coastal Oceanside, we're up and coming. It's more expensive to live here for sure."Rodriguez said his proposal is a starting point and that he is willing to move on the numbers based on council feedback. If there is support, city staff could analyze the proposal and return in 120 days with a concrete plan.Business groups such as the Oceanside Chamber of Commerce expressed support for the plan. Peter Rodriguez, an operations manager at Beachfront Only, a vacation rental property management firm, said the credit could help his company. He says Beachfront Only often hires Oceanside residents because they are close to most of their properties. The company has two openings that pay about ,000 a year. "The ability to have one of our assistant managers down the street is kind of a selling point," he said, noting that he did not plan to specify Oceanside resident in a job ad. 1397

As a result of the pandemic, telehealth is a more common way to see your doctor. It's not easy to adjust to a virtual bedside manner, which is why a former news reporter is launching "Webside Manner" for doctors to learn what is not taught in medical school.Twenty years ago, Mark Bernheimer was on camera, reporting daily events for stations in Los Angeles and CNN. When he got out of news, he decided he could use his skills to teach others.“How to be comfortable doing news interviews, how to be comfortable giving speeches on stages and things like that,” Bernheimer said.When the pandemic hit and everyone's audience became virtual, he had to pivot his business "MediaWorks Resource Group."“I started helping my clients figure out how they could do it more efficiently, more professionally, how to do news interviews through Zoom, how to hold webinars and Q and A session through Zoom,” Bernheimer said.And then one day, he said, his medical colleagues asked for help with telehealth.“Doctors don’t get formal training or any training in set design or video production,” Bernheimer said. “This is not what they get out of medical school, they may be excellent doctors and scientists but when it comes time to deliver health care in this forum, they need some help."Things like making eye contact through the computer camera, technical quality, lighting, and where the device is physically placed were all important things that Dr. Bob Murry, a family physician in New Jersey, says could use some work, even though we're almost seven months in to the pandemic.“As this is becoming more routine. Folks do need to up their game a little bit and learn more about how to best use the technology,” Dr. Murry, who is also the chief medical informatics officer for NextGen Healthcare, said.“I had never done a video visit before coronavirus. We didn’t realize how powerful that medium can be. You can really connect with your patients and be really intimate with them and have almost everything that you have in a real person visit,” Dr. Murry added.Now, Dr. Murry says, the way doctors come across needs to be thought out, too, in addition to the actual medical care and advice.“So much of medicine is really talking to your patients from the patient's standpoint. They want to tell their story and get an answer or make sure it's not something to be concerned with and from the physician's standpoint, it's that story which is so important in medicine and that story can happen over video,” Dr. Murry said.“These are people, who don’t forget, who are probably sick to begin with or worried to begin with,” Bernheimer said. “Now they’re anxious; now they’re nervous because they don’t want to be on camera any more than the doctor does. So the doctor or health care provider has to take special precautions into account before conducting those kinds of visits.”Bernheimer is working with NexGen to officially launch "Webside Manner" in November, and says things like body language, tone of voice, and facial expressions are all things that need to be considered during telehealth. He admits they can be challenging visits for all involved.“I spent 16 years looking into a camera as a TV news reporter. It was much easier for me to learn how to look directly into the lens of a TV camera than it has been for me to get used to looking into that tiny spec on the top of the laptop lid, so if it's hard for me, I can only imagine what other health care providers must be experiencing,” said Bernheimer.But, it's a necessary medium, as we're all becoming dependent and quite comfortable with doing everything from our home devices. 3633

An Amber Alert has been issued for five missing children last seen in Crystal City, Texas..Law enforcement officials believe these children to be in grave or immediate danger.Justine Kaylee Lopez, white, female, 10 years old, 4-5, 80 lbs, black hair, black eyes.Jolyne Kaylynn Lopez, white, female, 9 years old, 4-3, 60 lbs black hair, and black eyesRuben Lopez Jr, white, male, 7 years oldJordan Lopez, white, male, 4 years old, 3-3, 40 lbs, black hair, and black eyesJayden Lee Lopez, white, male, 11 months old Victims were last seen at 11:25 a.m. Aug 8, in Crystal City, Texas.Police are looking for Ruben Lopez, white, male, 29 years old, 5-6, 150 lbs, black eyes and brown hair in connection with this abduction. Police are also looking for Roxanne Fuentes, white, female, 31 years old, 5-8, 120 lbs, black eyes and brown hair in connection with this abduction. The suspects are driving a gray 2008 Chevrolet Trailblazer with a Texas license plate number of MKV2702.If you have any information regarding this abduction, call the Zavala County Sheriff’s Office at (830) 374-3615.This article was written by Ryan Garza for KRIS. 1221

ANCHORAGE, Alaska (AP) — Sarah Palin's husband, commonly referred to as "Alaska's first dude" when she was governor, appears to be seeking a divorce from his wife of 31 years.Paperwork believed to be from Todd Palin cited "incompatibility of temperament" in seeking to end his marriage to the 2008 Republican vice presidential nominee.The filing Friday in Anchorage Superior Court only identified the couple by initials. The initials, birthdates and wedding date match the Palins, as does the initials given for their only young child living at home.The documents list the minor as T.P.V.P., born April 18, 2008, the same date Sarah Palin gave birth to Trig Paxon Van Palin, the youngest of the couple's five children.The Palins married in 1988. After Sarah Palin became governor in 2006, Todd Palin continued to fish commercially and work an oil field job on the North Slope. Their lives were ever changed after Republican presidential candidate John McCain picked Sarah Palin as his running mate.During her speech to the Republican National Convention, Palin talked about her long relationship with her husband."We met in high school, and two decades and five children later, he's still my guy," she said at the time.In the divorce filing believed to be from Todd Palin, he seeks joint custody of the child. He also wants an "equitable division" of marital debts and assets."There is an incompatibility of temperament between the parties such that they find it impossible to continue to live together as man and wife," the complaint said.Kimberlee Colbo, an Anchorage attorney for the plaintiff, didn't immediately respond to requests for comment Monday. She filed paperwork to keep the divorce confidential to protect the privacy of the child.Colbo also has represented Dakota Meyer in divorce proceedings from the Palins' eldest daughter, Bristol.Anchorage blogger Craig Medred first reported on the divorce.Fairbanks attorney John Tiemesen has represented the family in the past and said that he knew nothing about the divorce papers until he saw Medred's article Monday.___Associated Press writer Mark Thiessen in Anchorage contributed to this report. 2165