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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) -- Authorities have identified the man who died in a motorcycle crash in Vista Saturday night as 55-year-old James Warner.The crash happened at the intersection of Monte Mar Road and East Village Way around 6:30 p.m.Four other people were injured in the crash deputies say three motorcycles and a car were involved in.RELATED: One dead, four injured after three motorcycles crash in Vista SaturdayDeputies say they don’t believe drugs or alcohol were factors in the crash. At this time, it’s unclear what exactly led to the crash. 569

VISTA, Calif. (KGTV) -- After a trip to visit their grandma in Ohio, eight year old Lilly and 12 year old Zachary were driving back to California with their mom and grandma when a wrong-way driver hit their car head-on in Oklahoma, killing all four of them. The wrong-way driver, identified by Oklahoma authorities as 33-year-old Ashley Louise Ricks, survived the crash.Monday, Oklahoma authorities gave an update, saying witnesses smelled alcohol at the scene of the crash. Witnesses and 911 calls also reveal the woman was driving at a high rate of speed and in the wrong direction for at least nine miles before the fatal crash occurred. Authorities said they’re currently investigating her medical history, driver history and taking blood samples before making any charges.The family was driving back to Vista, near San Diego, so Lilly could make it back home in time for school to resume. A GoFundMe created by a family friend shows the kids called their dad and stepmom every day while on vacation, telling them about the fun they’d had on their trip.Sam Homant, the kids’ dad, and their stepmom Melissa Starnes said the last time they talked to their son, it was the night of the crash.“He was excited to come home. We had just got him a brand new bed, a brand new bed that he was just so excited for, this pillow top mattress and he was so excited. And that was the last thing that we said to him,” said Starnes.They described the kids as family oriented and special. Zachary had a creative and kind heart.“He could take Legos and create anything out of Legos. He loved to build, just a smart smart little boy. Very creative. Wanted to be an architect. His imagination was off the rack,” they said.Lilly had similar passions to many little girls her age, but also loved to ride her dad’s motorcycle with him.“She loved makeup and dancing and her dolls. She loved to draw,” they said.The GoFundMe will help pay to bring the kids home. As they grieve, these parents want answers.“They had such a bright future and it’s been taken away by this lady and we don’t know why. We want to know why was she on that road on the wrong side,” said Starnes. 2159

Walgreens and CVS are rolling out new safety procedures while giving flu shots amid the coronavirus pandemic.According to Walgreens, they will conduct temperature checks and wear face masks, face shields, and protective gloves while administering the seasonal influenza vaccine.CVS says patients will be required to wear a mask and answer COVID-19 screening questions. Their pharmacists will also be wearing masks, gloves, and face shields when working with the patients.Walgreens says they have enhanced cleaning regimens, social distancing protocols, and there are plexiglass shields at registers.The pharmacies say patients will have to wear face masks and are encouraged to schedule an appointment and fill out the paperwork online ahead of time. 758

WASATCH COUNTY, Utah -- A Midway woman is thanking her local search and rescuers after they dedicated their own time to find a family heirloom at the bottom of Deer Creek Reservoir.“Here it is!” Lindsay Bowen said as she held up her left hand. “To have it on my finger again felt so good.”Staring at her wedding ring, Bowen is still in disbelief.“I was so shocked, I kind of had just counted it as a loss and, if anything, we were just grabbing at straws trying to find it,” Bowen continued.Rewind two weeks, Bowen and her family were playing on a floating obstacle course at Deer Creek Reservoir.“We were just out there playing and it slipped right off,” Bowen said. “I knew it just dropped, and it was probably 15 to 20 feet deep.”Losing her ring had turned into a real-life treasure hunt.“Someone’s going to find it and take it,” she said.But to Bowen, the ring wasn’t just rich in value, it was rich in sentiment.“I’ve had my ring for 18 years,” said Bowen. “It’s my grandmother’s diamond and my husband designed it, I realized it held all of my babies and I was just so sad it was gone, I didn’t realize how much I loved it.”After her husband made multiple failed attempts to retrieve the heirloom, Bowen turned to a Facebook community group.“If anyone has the equipment, if anyone can go down, I’ll pay you a hundred dollars.”Then, unlikely heroes with Wasatch County Search and Rescue’s dive team saw her post and answered her call for help.“They went out for two hours and dove on their own time. They’re volunteers, and they just dove and dove and they couldn’t find it,” Bowen explained.Still, they didn’t give up hope. Eight days, two dives, an underwater metal detector, and a half dozen search and rescue volunteers later, they found it.“Are you serious!?” Bowen's husband can be heard yelling in a cell phone video of the recovery.“Yeah, we got it!” a rescuer shouted back.The long lost ring was found using a golf ball and a metal detector. The divers dropped the ball in the general area where it was lost, then used the metal detector to find it.“I started crying,” Bowen said. “[The diver] came up and it was on his pinky finger and he was so excited!”Bowen said the divers would not accept her reward. Still, she believes everyone came away with something valuable that day.“They were just happy to help and I was just so happy to be in a community that takes care of each other like that,” Bowen said. “That memory for me, of people doing good and being recognized for good, I think that’s my favorite part.”Bowen said the divers continued to use the metal detector in the water, retrieving a number of Apple Watches and iPhones, which they were able to return to their rightful owners.This story was originally reported by Elle Thomas at KSTU. 2772