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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

Volunteers at a Chicago food bank got a surprise treat for the holidays.Former President Barack Obama paid an unannounced visit Tuesday to the Greater Chicago Food Depository, where he helped bag potatoes for Thanksgiving meals.Wearing a Chicago White Sox hat, Obama arrived with bags of donated food and donned latex gloves to work side by side with volunteers at the nonprofit, which helps provide meals to more than 700 food pantries and shelters across Cook County, Illinois.The former President and longtime Chicago resident came with staffers from the Obama Foundation, which seeks to improve communities across the US through leadership training and other educational efforts."Hey, how's it going?" he asked volunteers as he walked in. "This is a spiffy-looking spot right here.""We believe no one should go hungry, especially this time of year, and that's why we're working to address the root causes of hunger in Chicago and Cook County," the food bank tweeted out Tuesday, along with a video of the surprise visit.In the video, Obama encounters two little girls who are volunteering and tells them, "You guys are doing such a great job helping out. I'm really proud of you."Obama still lives in Washington but was in Chicago to attend the Obama Foundation Summit, a gathering of community leaders and students.A hallmark of Obama's presidency was combating hunger across the globe. In 2009, his administration pledged?.5 billion over three years to a Feed the Future initiative, which works to promote agricultural knowledge and tools in areas with high food insecurity. In 2016, he signed the Global Food Security Act to bolster government efforts toward Feed the Future initiatives.This was not the first time Obama has volunteered during the Thanksgiving holiday. He and his family spent the day before Thanksgiving in 2015 serving dinner to homeless people and veterans at Friendship Place Homeless Center in Washington.Back then, Obama said it wasn't only "of the spirit of giving during this holiday season but our national obligation to make sure all those who serve and sacrifice for our country have a place to call home." 2176

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

VISALIA, Calif. (AP) — A California prosecutor has charged a high school teacher with several child cruelty and battery counts after she forcibly cut the hair of one of her students.Tulare County District Attorney Tim Ward said in a news release Friday that 52-year-old Margaret Gieszinger faces up to 3 years and 6 months in jail if convicted of all six counts.Gieszinger was arrested Wednesday after video posted to social media showed a student at University Preparatory High School in Visalia sitting in a chair as she cuts his hair.In a video obtained by KFSN-TV, the science and chemistry teacher is heard belting the "Star Spangled Banner" while cutting the boy's hair and tossing chunks behind her.The district attorney's office did not know if Gieszinger had retained an attorney. 797

WASHINGTON (AP) — First lady Melania Trump expressed support for the care that migrant children separated from their families received in U.S. detention centers and cast doubt on the authenticity of some immigrants' stories of fleeing danger in their home countries during a series of recordings aired Thursday. The tapes aired on CNN come from Stephanie Winston Wolkoff, a former aide to the first lady who released a book last month entitled "Melania and Me: The Rise and Fall of My Friendship with the First Lady." The tapes, which were exclusively aired on Anderson Cooper's show, were secretly recorded in 2018 by Wolkoff.In the tapes, Melania is also recorded bashing the Christmas decorations.The White House has been critical of the book and says the first lady is focused on her family and serving the country. 827

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