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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) - A 10-year San Diego Sheriff's Department employee has been arrested for groping a 14-year-old girl at a North County restaurant this year.Timothy Wilson Jr., a 32-year-old Vista detention center deputy, was arrested Friday and charged with one count of felony lewd act on a child for the March 21 incident. Wilson is accused of groping a 14-year-old girl waiting in line at the Panda Express at 20 Main Street.Another San Diego Sheriff's Department employee recognized Wilson in surveillance footage from the restaurant released this month and reported him to investigators, according to San Diego Sheriff Bill Gore.ORIGINAL STORY: Deputies searching for man who groped 14-year-old girl at Vista Panda ExpressAfter reviewing the footage and conducting witness interviews, the department arrested Wilson and placed him on unpaid administrative leave, Gore added."I am deeply disappointed with Mr. Wilson's conduct but proud of the men and women of this department who do not tolerate criminal acts in the community or within their own ranks," Gore said.Deputies are now in the process of conducting a thorough investigation.The department is seeking other possible victims and asks that they call SDSO at 858-975-2316 or Crime Stoppers at 888-580-8477 if they wish to report any information. 1366

WARNING: This story contains content that is graphic in nature.LAND O' LAKES, Fla. -- A Pasco County, Florida deputy has been fired after he was arrested for touching a woman against her will and placing semen on her. Joseph Mercado, 25, has been charged with battery. The Pasco County Sheriff's Office has confirmed Mercado was terminated after he was arrested on February 28. Mercado and the victim were "NOT involved in an ongoing dating relationship at the time of this incident," according to the arrest affidavit.On February 15, 2018, while Mercado was off-duty, he arrived at the victim's home and told the victim they needed to discuss a "serious incident" that he witnessed. The victim met Mercado outside in the driveway and repeatedly asked him to leave. According to arrest documents, Mercado masturbated in front of the woman. She repeatedly told him to leave. Mercado then used his finger to place semen on the victim's breast, above the neckline of her shirt and then attempted to place it on the victim's lips, prior to her pulling away, according to the arrest affidavit. The victim continued to ask Mercado to leave and she went into her home until he left the property.Mercado was arrested on February 28th without incident.The Sheriff released a statement about the incident: "The Pasco Sheriff's Office ensures discipline is paramount in our organization. The allegations were investigated, he was arrested and terminated." 1482
WASHINGTON — The federal government is outlining a sweeping plan to make COVID-19 vaccines available for free to all Americans, but polls show a strong undercurrent of skepticism across the country. In a report Wednesday to Congress and an accompanying “playbook” for states and localities, federal health agencies and the Defense Department are sketching out complex plans for a vaccination campaign to begin gradually in January or later this year, eventually ramping up to reach any American who wants a shot. According to The Associated Press, facets of the playbook include:Most COVID-19 vaccines will require two shots to be taken three to four weeks apart. Those who receive these vaccines will need to receive doses made by the same drugmaker.Early in the vaccination campaign, supplies will be limited and will be reserved for health care and other essential workers, as well as vulnerable groups. Later phases of the campaign would expand distribution to the entire country.The vaccine will be free to those who receive it, thanks to funding allocated by Congress and the Trump administration.States and local communities will handle distributing the vaccine, and must submit plans to the federal government in about a month's time.The vaccination campaign faces an uphill battle from a skeptical public. An AP poll taken in May found only about half said they would get a COVID-19 vaccine. Experts say at least 70% of Americans need to be vaccinated or have immunity from a previous contraction in order to protect the country from the virus. 1562
Walmart is retreating from Europe, merging its UK supermarket business Asda with bigger rival Sainsbury's.In return, Walmart will receive £2.97 billion (.1 billion) in cash and a 42% stake in the combined business, the companies said in a statement on Monday.The deal values Asda at £7.3 billion ( billion), and creates a mega retailer with 2,800 stores and combined sales of roughly £51 billion ( billion).The sale of Asda follows Walmart's exit from Germany, its other major outpost in Europe, in 2006.Walmart could use the cash to fuel its expansion in other international markets. The US retailer is reportedly close to agreeing to invest in India's Flipkart, an online retailer that has also attracted attention from Amazon."This proposed merger represents a unique and bold opportunity, consistent with our strategy of looking for new ways to drive international growth," Judith McKenna, the CEO of Walmart International, said in a statement.The combination with Asda will give Sainsbury's more firepower as it confronts digital competitors including Amazon and aggressive discount chains, such as Germany's Lidl and Aldi.It also creates a new UK market leader: Sainsbury's and Asda together control over 31% of the grocery market, according to Kantar Worldpanel. The current industry front runner, Tesco, has nearly 28%.Regulators will have a close look at the deal, but the geographical distribution of Sainsbury and Asda stores could limit concerns over reduced competition.Upmarket Sainsbury's is strong in southern England, while Asda, which tends to have larger stores and lower prices, is well represented in the north. Together, the supermarket chains employ 330,000 people.The UK Competition and Markets Authority last year approved Tesco's takeover of wholesaler Booker, saying the deal would not reduce competition in the sector, which is known for its razor-thin margins and frequent price wars. 1929
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