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Experts say those feeling the pain of the financial crisis the most are millennials. The generation has missed major milestones that past generations enjoyed in their 30’s and 40’s as a result of dealing with two major financial crises over the past decade.However, it may not be all gloom and doom for millennials. The economic cycles the generation has experienced early on could lead them to understand the economy and markets better, potentially leveraging that to greater future gains.Many millennials graduated and entered the workforce during the 2008 Great Recession. They were just hitting their prime, and then, this pandemic and a second major financial crisis hit.“It just feels not only like we can’t catch a break, but we can’t even get started without something coming along and taking away a lot of what we worked for,” said Erin Lowry.Erin Lowry is an author and wrote the books “Broke Millennial” and “Broke Millennial Takes on Investing”.“The big thing to consider for your financial future is this will be temporary,” said Lowry. "We are going to get through this just like we got through ’08.”Surveys conducted by the Urban Institute show at least 1 in 3 millennials are struggling financially right now, and millennials as a whole have less acclimated wealth at this stage in life than the prior generation. To change that, even during this recession, Lowry believes there are a few key things millennials can do.“You do want to think about doing, and I hesitate to say it like this, but the least damage currently,” said Lowry.She recommends minimizing the amount of debt you may need to take on to get through this economic downturn. Also, protect your credit scores as much as possible by making on-time payments.Pay the minimum if needed or contact your lenders to work out agreements that will not show missed payments on your credit report. In the future, you’ll want a healthy credit score to be able to qualify for mortgage loans or auto loans at a lower interest rate.Lastly, try to still contribute to your retirement plan even if it’s a little bit. If you are in a position where every penny counts right now, think about a time in the near future when you can start to again invest. That is important because, historically, the market will rebound.To recover on a better financial footing, you want to buy when the market is low, or down, and reap the gains as the economy recovers.“After 2008, we went on to have one of the longest bull runs in stock market history,” said Lowry. "We don’t know what is going to happen after the coronavirus recession, but you don’t want to miss out on potentially huge returns.”The possible advantage of going through two recessions early in life may be a better understanding of the economy and a stronger desire to understand the market, along with learning how to use the downturn as an opportunity for future gains. 2896

Evidence of Russian meddling in the 2016 election is "now really incontrovertible," White House National Security Advisor H.R. McMaster said Saturday."As you can see with the FBI indictment, the evidence is now really incontrovertible and available in the public domain, whereas in the past it was difficult to attribute for a couple of reasons," McMaster said while speaking at the Munich Security Conference just a day after the Justice Department announced several indictments in special counsel Robert Mueller's investigation into Russian interference.  570

ENCINITAS, Calif. (KGTV) - A beloved custodian at an elementary school in Encinitas is recovering after a spider bite led to an amputation."He's happy. He's smiling. Thankful he's alive," said Megan Luce, PTA President at Park Dale Lane Elementary School.Guil Aguilar has been a custodian at the school for more than five years."His spirits are so high when I visited," said Luce.Luce says his ordeal began at work, just before Thanksgiving break. Aguilar says as he was moving trash cans near a dumpster, he saw spiders but didn't think anything of it. After he left the area, he felt a twinge in his foot. He went with family to visit relatives in Arizona during Thanksgiving and his bite began to swell. He was admitted into a hospital, then transferred to an Encinitas hospital, where doctors diagnosed him with a venomous spider bite. The type of spider is unknown. The treatment was not enough."There was an infection that they tried to clean out. The infection resulted in amputation of his foot and partial leg," said Luce.Luce says Aguilar handled the difficult news by focusing on the bright side."He was okay with it. He'd rather his foot be gone than his life," said Luce.As news of his ordeal spread, parents at the school rallied."I was heartbroken. He's such as an amazing, amazing person ... Always happy. He's always there to help. Goes over and beyond what he's supposed to do at the school," said Luce.The parents organized a meal train and a Gofundme campaign to help his family, including his five children, with expenses."He's not just a janitor. He's part of the community and part of the Park Dale Lane family," said Luce.The Encinitas Union School District issued the following statement: "The situation that you are inquiring about involves one of our employees and is currently under investigation by the District. Due to privacy rights and confidentiality laws, we are unable to provide an update on the employee ... In an abundance of caution, the District has taken the necessary precautions to ensure that all areas of campus have been inspected and are safe. The District will continue to monitor the campus and address any issues immediately." 2186

ENCINITAS (CNS) - A cyclist was killed Saturday when he collided with a vehicle at an Encinitas intersection, authorities said.The collision happened at about 11:49 a.m. when a cyclist was struck by a vehicle that was turning right from westbound Leucadia Boulevard to Moonstone Court, according to Deputy Eric Rader of the San Diego County Sheriff's Department.Bystanders gave medical aid to the victim, Rader said.The injured cyclist was taken by ambulance to Scripps Memorial Hospital La Jolla, where he died of his injuries, the deputy said.Deputies with the department's Traffic Accident Reconstruction Team are investigating the accident. 652

ENCINITAS, Calif. (KGTV) - A North County woman says she was scammed at a gas station by a performance 'worthy of an Oscar.'"We pull in and my husbands about to pump in the gas," said Alice. An ordinary trip to fill up turned eventful last month at the Shell gas station on Santa Fe Drive. "I see a man pull up in a black SUV, brand new and shiny," said Alice. Alice says a man in his 30s got out of the GMC Yukon and approached them."He was in head-to-toe designer clothes," said Alice. In the backseat was a well-dressed woman and a little girl."He says, 'Excuse me, Sir. I'm here vacationing from Dubai with my family and my wallet was stolen,'" said Alice. The man asked for some money for gas and then took out a ring."Here, take my ring. It's worth 0. I have money and plenty of jewelry at home. I just need money for gas and food," said Alice.Alice told the man to keep the ring and then had her husband put in on a pump with their credit card."I believed their story ... I put myself in their shoes. I would be devastated, and I would want someone to help me," said Alice.Days later, she learned from her cousin in Los Angeles those strangers were scammers. "I was the 4th person she knew of personally that this happened to. I was duped," said Alice."Then this past Wednesday, Alice was back at the gas station and filling up, when she saw something familiar," said Alice.It was another new GMC Yukon. Inside was a different family. She saw them talking with a young man, before pulling out a ring. "I ran over put my hand in front of the guy and said, 'You should be ashamed of yourself. This is a scam!" said Alice. She learned the family had a similar story about vacationing from Dubai. The SUV sped off, leaving behind a woman hoping others don't fall victim."It makes me angry. It's the giving season and they take advantage of that. They're actors. They played their part perfectly. They're going to get an Oscars, and I handed them the award," said Alice.Alice believes both vehicles had out-of-state license plates. She says she contacted the sheriff's department but was told this incident would likely be defined as panhandling, which isn't a crime. 2184