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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

When students normally head back to school, they're greeted with new teachers, classmates, and a new school picture. But professional school photos are either delayed or looking a little different this year because of the pandemic."It's very different. One of the things is we had a lot of schools that hadn't even started back yet, but a lot that have come back have pushed back their start date," explained Erin Middleton, the manager of operations for BPI Photography in Georgia.Middleton says their company is working closely with schools to safely photograph students who are back in-person in the classroom and accommodate those who aren't. BPI Photography says it first works with schools--with social distancing and masks in mind--to take photos of students who are at the school."Then, we actually create a report that is a not-photographed report, and on that not-photographed report would be your students that are face-to-face that didn’t make it on the original picture day,” Middleton explained. “But we also are capturing our virtual students on the absentee day which is like a make-up or retake day.”Middeton says sometimes the photos for virtual students take place after school hours. The company says they are doing everything they can to accommodate schools and families during this unprecedented time. A time some people are wanting to remember in their school picture. That means students and faculty taking their pictures while wearing a mask.For families who are feeling a little lost at this time, Shutterfly and Lifetouch are offering a 2020 School Picture Day guide on their website, plus a new feature for students who are remote learning from home."What we wanted to do in this crazy year of COVID is be able to provide some options for parents and we are photographing at lots of schools around the US but also where picture day isn’t taking place,” said Stephanie Schmid, vice president of marketing and merchandising for Lifetouch. “We wanted to provide a really flexible option for families and meet them where they are, and oftentimes, that's in their living room or their kitchen."Lifetouch launched a new feature through Shutterfly's app, where parents can upload a photo of their child and choose a professional background that they'd normally see in school photos. This allows them to order a school photo that looks just like the one they'd have taken at school."We know families like to have a collection, so you have that child and you want that kindergarten through 8th grade collection and sometimes families order the same background every year. What we did is we offered blue, which is the iconic Lifetouch Picture Day background along with a number of other best sellers so that families can continue their collection and not miss a beat even with a year like this, with COVID-19," said Schmid.Capturing the smiles on children's faces, even if they've had a rocky start to the school year. 2944

WEST PALM BEACH, Fla. — The release of a sealed deposition of Ghislaine Maxwell, disgraced financier and convicted sex offender Jeffrey Epstein's longtime confident, was delayed until Monday, court records show.A federal judge ordered the release be held until Monday, providing Maxwell a brief window to appeal a previous order unsealing the record. The deposition was initially scheduled for release Thursday.Maxwell, 58, faces criminal charges in federal court of enticement and conspiracy to entice minors to travel to engage in illegal sex acts, transportation, and conspiracy to transport minors with intent to engage in criminal sexual activity, and two counts of perjury.Maxwell was arrested in early July and pleaded not guilty to those charges. A judge denied bail in the case and ordered Maxwell held in jail, pending her trial.The judge overseeing the civil case denied Maxwell's request to outright block the release of the sealed documents.The documents are part of a 2016 civil lawsuit filed by Epstein accuser Virginia Giuffre, and include emails and depositions by others, including Giuffre and an anonymous Epstein accuser. The case was settled in 2017, but Giuffre has since fought to have records previously sealed in the case released publicly.The judge set a trial date in Maxwell's criminal case for July 2021.This story originally reported by Erik Altmann on wptv.com. 1401

We've seen headlines for weeks about Hertz selling off its fleet after filing for Chapter 11 bankruptcy. In reality, it isn't just Hertz and it didn't just start.“You should not expect, or the market should not expect, all of a sudden this influx of rental supply to hit the market because rental companies have been right sizing their fleets since at least mid-March,” said Larry Dixon, Senior Director of Valuation Services at J.D. Power.As COVID-19 forces car rentals and auctions to shut down, the rental companies started selling more to dealers who weren't able to replenish their used car supply. Now that auctions have opened, demand is up and so are auction prices.So far for retail, what we pay is stable. At the same time, new car sales are down. So, there are fewer trade-ins. That means better deals.“Dealers are going to be more likely to be more aggressive with a trade-in offer to a consumer, particularly for highly desirable late model vehicles, think that 2 to 5-year-old used vehicle,” said Dixon.As far as rental cars being a good buy, they are well-maintained and kept clean. The negatives are they have higher miles. But that can also be a positive in the price.A dealer doesn't have to disclose if a car was a rental. You can find out on your own with a vehicle history report. 1309

With a crowd of onlookers gathered around, New York Police officers encircle a woman and her child on the ground.One officer reaches down and begins to pull. The officer yanks harder, and harder, and the woman's cries become louder."You're hurting my son! You're hurting my son!" she yells.A tug of war ensues, and as noise from the horrified crowd builds, an officer brandishes a yellow stun gun and begins to point it around the room, a government welfare office in Brooklyn.The stunning and hectic scene, captured on video and posted to Facebook, ends with the woman in handcuffs escorted from the scene — and her 1-year-old son elsewhere. A family member took custody of the child following the arrest, the NYPD said.The forceful arrest of the unarmed mother at a social services office has caused a significant backlash, particularly from those who saw it as an unnecessarily violent escalation and a symbol of how the poor are treated in America."Being poor is not a crime. The actions of the NYPD in this video are appalling and contemptible," said Letitia James, the Public Advocate for New York City.Facing criticism, the NYPD and the New York City Human Resources Administration are now reviewing that December 7 arrest."Video images of the incident in the 84th precinct are troubling," the NYPD said in a statement, adding that the review will "include examination of all available video of the incident."Corey Johnson, the speaker of the New York City Council, said it was "unacceptable, appalling and heart breaking.""I'd like to understand what transpired and how these officers or the NYPD justifies this. It's hard to watch this video," he said on Twitter.On Facebook, James called for a full investigation into the officers' conduct and said the results should be made public. She also called for the officers involved, including their assigned supervisor, to be assigned to desk duty until an investigation is complete."No mother should have to experience the trauma and humiliation we all witnessed in this video," she said. 2056