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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

VISTA, Calif. (KGTV) - The man who tried to kidnap a 15-year-old girl in front of her Encinitas home was sentenced Monday to seven years in jail.Jeremiah Owens, 28, grabbed the girl and pinned her to the ground as she waxed her surfboard in front of her home on Neptune Ave in July 2017.Owens tried to drag the girl to a nearby pickup truck occupied by Christopher White, but the girl was able to break free and run home.White was arrested two days after the assault when a witness matched his pickup truck to the description of one which deputies wanted to find. Owens was arrested hours later.RELATED: Men accused of trying to kidnap Encinitas girlOwens could have received nine years in jail, but a judge gave him seven years and ordered him to register as a sex offender for life.White pleaded guilty Tuesday to being an accessory to kidnapping and will be sentenced June 19.The girl and her parents attended Owens' sentencing but did not make a statement. She now gives public lectures on self-defense. 1015

VISTA, Calif. (KGTV) - A North County prosecutor told a judge at an emotional hearing Tuesday that the husband accused of killing his estranged wife and her sister in Escondido admitted to the murders with qualifiers.Juan Carlos Ortega, 33, appeared in Vista court at an arraignment for last week’s deaths. Firefighters found the body of 26-year-old Ana Soto in a burning white SUV at the corner of Country Club and Kauana Loa drives in the Harmony Grove area Thursday morning.RELATED: Escondido police: Burned-out SUV tied to home where woman was found deadA trace on the SUV’s license plate led to a home on West 11th Avenue, where police found the body of Veronica Soto Ortega. Two young children were sleeping inside the house and taken into protective custody.About 14 hours after the discovery of his wife’s body, homicide detectives arrested Soto Ortega's husband, Juan Carlos Ortega, at his Carlsbad workplace, police said.Ortega is being held without bail. He is being charged with two counts of capital murder, which carry the possibility of the death penalty or life in prison without parole. There is also a special circumstance of lying in wait. RELATED: Suspect arrested in connection with deaths of 2 women in EscondidoDozens of family members attended Tuesday’s arraignment. The mother of one of the victims became emotional and had to be carried from the courtroom.City News Service contributed to this report. 1460

WASHINGTON (AP) — Dr. Scott Atlas, a science adviser to President Donald Trump who was skeptical of measures to control the coronavirus outbreak, is leaving his White House post. A White House official confirmed that the Stanford University neuroradiologist, who had no formal experience in public health or infectious diseases, resigned at the end of his temporary government assignment. Atlas confirmed the news in a Monday evening tweet. 449

WASHINGTON (AP) — A record number of women were elected to the House on Tuesday, nearly two years after women spilled out into the streets of Washington and in cities across the country in defiance of the inauguration of President Donald Trump.The incoming class of lawmakers could have a stark impact on politics in the nation's capital, particularly within the Democratic Party, after a midterm election that was widely seen as a referendum on Trump's first term.As of early Wednesday, voters were on track to send at least 99 women to the House, surpassing the previous record of 84. According to data compiled by The Associated Press, 237 women ran for the House as major-party candidates this year.Among the new lawmakers headed to the House is Jennifer Wexton, a Virginia state senator who defeated incumbent Barbara Comstock in one of the most closely watched races across the country. And Alexandria Ocasio-Cortez, the former Bernie Sanders organizer who won an upset primary victory over a senior House Democrat, will also head to Congress.RELATED CONTENT 1072

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