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When you hear “self-care,” you might think of mani-pedis, relaxing facials, or soothing massages. But with millions of people struggling to make ends meet during this pandemic, practicing “financial self-care” is important, too.Rachelle Beazley of Detroit was working in sales for a food broker when COVID-19 first hit back in March.“I was lucky I didn’t lose my job – my full-time job – but I did lose my three side hustles,” said Beazley.She was a dog-sitter, an overnight nanny, and taught workshops on making hand-knitted blankets.“I think immediately with the pandemic, it was a strain. Like, oh my gosh. I’m not going to have all these financial streams coming in – this extra revenue,” Beazley recalled.She’d just started working with Ann Arbor financial therapist Lindsay Bryan-Podvin – who advises people dealing with financial anxiety to practice five steps of “financial self-care.”Start Emergency FundBryan-Podvin said the first step is starting an emergency fund – even if you’re only adding a few dollars at a time.“I know a lot of viewers are going to be like, ‘Lindsay, I don’t even have time to think about an emergency fund. I’m just trying to make ends meet.’ Any time you can scrap away ten-dollars here, 30-dollars there, it again just gives you a little bit of peace of mind that if something were to happen, you’re not totally at zero in that bank account,” she said.Bryan-Podvin advised Beazley to add up her essential expenses and multiply by three – making that amount her new emergency savings goal. Anything over that would go towards paying off debt.Insurance, Will & TrustHer number two recommendation is to set up life insurance – if you don’t have any already – along with a will and trust.This is particularly important if you are married and have kids in the home under 18.“I would say get your life insurance first, and then get your will and trust in place,” Bryan-Podvin said.“That 20, 30, 40-dollars a month can provide out a benefit of anywhere from a quarter-million-dollars to a million dollars. So that again is that peace of mind.”Explore a Side HustleThe third step is to explore a side hustle or new ways to make some extra money.“A lot of us might be taking jobs that we might be over-qualified for, or we might be picking up some odd jobs here and there just to make ends meet,” said Bryan-Podvin.She said you need to remember that the situation you’re in now will get better. “Going back to that mantra of this is temporary,” she explained.If you’re looking for ideas, think of the sectors of the economy that are doing well right now.Food delivery services, tutoring, even COVID-19 compliance consultants – a good opportunity for furloughed health care workers Bryan-Podvin explained.Give To OthersIf you are one of the fortunate ones still working during this health crisis, Bryan-Podvin said you may be experiencing Financial Survivor’s Guilt.So, her number four step with financial self-care is to give to others -- volunteer, donate, help someone in need. Even small gestures can go a long way in lending support while also making yourself good knowing you’re doing something to help during this pandemic.“if you’re in a financially stable situation, practicing some gratitude, saying I’m thankful that I have some income coming in and how can I give back to my community in other ways,” Bryan-Podvin said.Lean On CommunityHer fifth suggestion for practicing financial self-care is to lean on community – whether it’s taking turns meal prepping or entertaining the kids in your “pandemic pod.”“It’s about opening up your house safety to a handful of other people who you know are already practicing safe behaviors to get some additional help.”Back to Rachelle Beazley.She took the money she’d previously spent on gas and dining out and saved enough for her emergency fund and paid off two loans.Then, she leaned into a side hustle!She started a new business hosting virtual wellness retreats for women.“I’m not sure if my parachute is going to open just yet but I have to believe in what I’m passionate about,” said Beazley.Beazley quit her day job on September 1, 2020, to start working on her business – Aloe and Alchemy.Her next virtual retreat is October 17.As for financial self-care– Lindsay Bryan-Podvin said you can re-order her five steps to suit where you are in your life.This story was first reported by Alicia Smith at WXYZ in Detroit, Michigan. 4423

While we can’t speak to these specific allegations due to student confidentiality laws, we can share that we regularly work in collaboration with parents to evaluate and place students in special education services as needed, and have been recognized at both the state and national level for our special education program. Additionally, complaints of bullying or harassment that are reported to school or district leadership are investigated and addressed. 465

What’s the difference between a place with patchy shrubs and a lush, wooded forest on Google Maps? In the past, the answer was nothing, they were both the same color of green. Now, Google Maps will be using a wider color spectrum to bring out more details.Using high-definition satellite images from more than 98 percent of the world’s populated areas, Google uses a new color-mapping “algorithmic technique” to translate the information into a more vibrant map.The idea, according to a blog post from the company, is to create a map with more natural features, so users can quickly distinguish between tan beaches and deserts, or blue lakes, rivers, oceans and ravines.The team at Google Maps explains how the color-mapping works. “First, we use computer vision to identify natural features from our satellite imagery, looking specifically at arid, icy, forested, and mountainous regions. We then analyze these features and assign them a range of colors on the HSV color model.”Google Maps has undergone a handful of updates this year in conjunction with the app’s 15th year in existence, including a better sense of depth in Live View, more detailed directions for commuting, and easy-to-find contribute and explore tabs.Still to come, Google Maps is promising an update that will show more details about street width and shape. Allowing users to see exactly where sidewalks, crosswalks and pedestrian islands are. 1424

Whole Foods is getting even more Amazon-y.Amazon, which purchased Whole Foods last year, is offering its Prime members an additional 10% off sale items when they shop at Whole Foods.The additional discount will apply to hundreds of products throughout the stores. To get the discount, Prime members will have to scan the Whole Foods app at checkout, after signing into the app with their Prime membership.Earlier this year, the companies launched free two-hour delivery on Whole Foods groceries in 10 test cities, through Amazon's Prime Now service. Amazon expects to expand that offering later this year. Eligible Prime members also receive 5% back on Whole Foods purchases when using the Amazon Prime Visa card.Amazon now has more than 100 million Prime members. It also announced it would raise the annual cost of membership by 20% to 9 a year, from .Amazon cut prices at Whole Foods for all customers once it completed its purchase of the chain in August, and announced another round of price cuts in November.  1034

While Democrats are projected to take control of the US House, the party hoped that a blue wave would include winning a number of major gubernatorial seats. But in two larger states, Republican candidates hung on and won in Florida and Ohio. This came as some polls showed Democrats leading in those states heading into Tuesday's Election Day. In Florida, Republican Ron DeSantis held off Andrew Gillum, the Democrat who is the mayor of Tallahassee. DeSantis held a 1-percent advantage with more than 99 percent reporting. In Ohio, Republican state Attorneys General Mike DeWine defeated Democrat Richard Cordray. Cordray was previously appointed to the Consumer Protection Finance Board by President Barack Obama. DeWine had previously defeated Cordray in 2010 for the state's AG position. In a fierce battle in Georgia, Democrat Stacey Abrams said she is vowing to continue her fight despite trailing Republican Brian Kemp by a 51 to 48 margin late on Tuesday. The only county with outstanding votes remaining is the Democratic stronghold of Fulton County, which includes the city of Atlanta. If Kemp falls below the 50-percent threshold, the race will go to a runoff. Kemp has come under fire from Abrams' campaign for administering the election as secretary of state while running for governor. Abrams' campaign added that they expect that there are still nearly 45,000 uncounted votes in Democratic-leaning counties from paper ballots.In Iowa, Republican Kim Reynolds, who was previously the lieutenant governor of the state, defeated Democrat Fred Hubbell in a tight race. Although the results were disappointing for Democrats in Florida in Ohio, the Democrats have turned over at least four governor's seats on Tuesday. In Kansas, Democrat Laura Kelly is projected to win the seat there. Congresswoman Michelle Lujan Grisham was elected to New Mexico's governor seat. J.B. Pritzker, a first-time candidate and venture capitalist, won the governor's seat in Illinois. Former Michigan state senator and prosecutor Gretchen Whitmer was elected as the governor of Michigan.  2185

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