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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

WASHINGTON (AP) — A federal appeals court ruled Thursday that the Trump administration endangered public health by keeping a widely used pesticide on the market despite extensive scientific evidence that even tiny levels of exposure can harm babies' brains.The 9th U.S. Circuit Court of Appeals in San Francisco ordered the Environmental Protection Agency to remove chlorpyrifos from sale in the United States within 60 days.A coalition of farmworkers and environmental groups sued last year after then-EPA chief Scott Pruitt reversed an Obama-era effort to ban chlorpyrifos, which is widely sprayed on citrus fruit, apples and other crops. The attorneys general for several states joined the case against EPA, including California, New York and Massachusetts.RELATED: EPA Chief Scott Pruitt quits amid ethics scandalsIn a split decision, the court said Thursday that Pruitt, a Republican forced to resign earlier this summer amid ethics scandals, violated federal law by ignoring the conclusions of agency scientists that chlorpyrifos is harmful."The panel held that there was no justification for the EPA's decision in its 2017 order to maintain a tolerance for chlorpyrifos in the face of scientific evidence that its residue on food causes neurodevelopmental damage to children," Judge Jed S. Rakoff wrote in the court's opinion.Michael Abboud, spokesman for acting EPA Administrator Andrew Wheeler, said the agency was reviewing the decision, but it had been unable to "fully evaluate the pesticide using the best available, transparent science."RELATED: Trump administration wants to lower emissions standards for carsEPA could potentially appeal to the Supreme Court since one member of the three-judge panel dissented from the majority ruling.Environmental groups and public health advocates celebrated the court's action as a major success."Some things are too sacred to play politics with, and our kids top the list," said Erik Olson, senior director of health and food at the Natural Resources Defense Council. "The court has made it clear that children's health must come before powerful polluters. This is a victory for parents everywhere who want to feed their kids fruits and veggies without fear it's harming their brains or poisoning communities."The attorneys general of California and New York also claimed victory.RELATED: EPA Pushes Back Against Asbestos Comeback Claims"This is one more example of how then-EPA Administrator Scott Pruitt skirted the law and endangered the health of our children — in this case, all because he refused to curb pesticide levels found in food," Attorney General Xavier Becerra of California said in a statement.Chlorpyrifos was created by Dow Chemical Co. in the 1960s. It remains among the most widely used agricultural pesticides in the United States, with the chemical giant selling about 5 million pounds domestically each year through its subsidiary Dow AgroSciences.Dow did not respond to an email seeking comment. In past statements, the company has contended the chemical helps American farmers feed the world "with full respect for human health and the environment."Chlorpyrifos belongs to a family of organophosphate pesticides that are chemically similar to a chemical warfare agent developed by Nazi Germany before World War II.As a result of its wide use as a pesticide over the past four decades, traces of chlorpyrifos are commonly found in sources of drinking water. A 2012 study at the University of California at Berkeley found that 87 percent of umbilical-cord blood samples tested from newborn babies contained detectable levels of the pesticide.Under pressure from federal regulators, Dow voluntarily withdrew chlorpyrifos for use as a home insecticide in 2000. EPA also placed "no-spray" buffer zones around sensitive sites, such as schools, in 2012.In October 2015, the Obama administration proposed banning the pesticide's use on food. A risk assessment memo issued by nine EPA scientists concluded: "There is a breadth of information available on the potential adverse neurodevelopmental effects in infants and children as a result of prenatal exposure to chlorpyrifos."Federal law requires EPA to ensure that pesticides used on food in the United States are safe for human consumption — especially children, who are typically far more sensitive to the negative effects of poisons.Shortly after his appointment by President Donald Trump in 2017, Pruitt announced he was reversing the Obama administration effort to ban chlorpyrifos, adopting Dow's position that the science showing chlorpyrifos is harmful was inconclusive and flawed.The Associated Press reported in June 2017 that Pruitt announced his agency's reversal on chlorpyrifos just 20 days after his official schedule showed a meeting with Dow CEO Andrew Liveris. At the time, Liveris headed a White House manufacturing working group, and his company had written a million check to help underwrite Trump's inaugural festivities.Following AP's report, then-EPA spokeswoman Liz Bowman said that March 9, 2017, meeting on Pruitt's schedule never happened. Bowman said the two men had instead shared only a "brief introduction in passing" while attending the same industry conference at a Houston hotel and that they never discussed chlorpyrifos.However, internal EPA emails released earlier this year following a public records lawsuit filed by The Sierra Club suggest the two men shared more than a quick handshake.Little more than a week after the conference and before Pruitt announced his decision, the EPA chief's scheduler reached out to Liveris' executive assistant to schedule a follow-up meeting."Hope this email finds you well!" wrote Sydney Hupp, Pruitt's assistant, on March 20, 2017. "I am reaching out today about setting up a meeting to continue the discussion between Dow Chemical and Administrator Scott Pruitt. My apologies for the delay in getting this email into you — it has been a crazy time over here!"Subsequent emails show Hupp and Liveris' office discussing several potential dates that the Dow CEO might come to Pruitt's office at EPA headquarters, but it is not clear from the documents whether the two men ever linked up.Liveris announced his retirement from Dow in March of this year.Pruitt resigned July 6 amid more than a dozen ethics investigations focused on such issues as outsized security spending, first-class flights and a sweetheart condo lease for a Capitol Hill condo linked to an energy lobbyist.Bowman, who left EPA in May to work for GOP Sen. Joni Ernest of Iowa, declined to comment on her earlier characterization of the March 2017 interaction between Pruitt and Liveris or what "discussion" the internal email was referring to."I don't work for EPA anymore," Bowman said.___Follow Associated Press investigative reporter Michael Biesecker at http://twitter.com/mbieseck 6863

VISTA, Calif. (KGTV) - The parents of a two-year-old boy say they're still reliving the terrifying experience they faced in a store parking lot over the weekend.Peter Kopcak and his fiance Jennifer Lawson were backing out of the Costco parking lot on Hacienda Drive in Vista Saturday afternoon."I just seen out of the corner of my eye this guy running down between the two cars, and I didn't know what he was doing," said Kopcak.The couple said the guy tried to rip their toddler out of his car seat."He opened the car seat back door, reached in and grabbed my kid, she jumped out of the car, left it in reverse, I put it in park. I jumped out, he was trying to grab the carseat and, she pushed him and I just had to take him down," said Kopcak.Kopcak tackled the man to the ground."I took him to the ground and did what I had to do to subdue him, a bunch of people, an off duty officer pulled me off the guy and held him down told him to put his hands behind his back," said Kopcak.Sheriff's deputies arrested 37-year-old Adam Glavinic. He's facing charges of felony attempted kidnapping and being under the influence of a controlled substance."I thought he was going to take my kid and I wasn't about to let that happen, I'd do anything I could to stop him cause that's the worst nightmare, just having someone A, touch your kid, B, try to take your kid," said Kopcak.The couple was also upset to learn Glavinic was released from jail on a 0,000 bail Sunday."I couldn't stop crying when I found out, cause he will do this to someone else and who knows if it's a single mom or the husband isn't quick enough, and the guy takes off," said Lawson."I don't understand how he got out so fast. What if he tries to grab another kid or hurt someone else? It boggles my mind," said Kopcak.There's a backlog of out of custody cases due to the pandemic. Glavinic isn't scheduled for arraignment until February. 1912

VISTA, Calif. (KGTV) -- A pedestrian was hit and killed in the 100 block of Estrelita Drive in Vista Friday night. Police say the white pickup truck involved in the crash fled the scene. The crash happened at 8:18 p.m., according to police. Two hours later police found an abandoned vehicle down the road that matches the pickup described in the crash. One person has been arrested. *This is a developing story. 10News has a crew headed to the scene and will have an update online and on 10News tonight at 11 p.m.     570

Voters were polarized after learning of Brett Kavanaugh's confirmation as a Supreme Court Justice.Both Republicans and Democrats who spoke with 10News on camera said they are frustrated with the way Doctor Christine Blasey?Ford's accusations were handled.READ RELATED:Brett Kavanaugh sworn in as Supreme Court justice"I'm truly just disgusted with the outcome and I'm just really disappointed with in our nation and what we stand for today," College Student Ngozi Egeonu said."It's very disappointing, I think it's very hurtful," Republican Ana Assaf said."He didn't give straight answers to me it seemed, then again I didn't see the whole interview, only saw bits and pieces," San Diegan Melvin Zelaya said.Egeonu said she's now concerned about Dr. Ford, "Now I'm worried about her own safety, and her own image knowing that she put herself out there and knowing this is something very traumatic that she's having to recall."They all agreed the FBI investigation felt rushed and inconclusive."I think it was disrespectful to the ladies who accused him and I don't think the whole, they didn't have enough time to investigate," Assaf said."I was surprised that that wasn't enough for them to be like hey, no we shouldn't nominate him," Zelaya said.Some believe the accusations are false and the timing is inappropriate, calling it a smear campaign. Zelaya says the past is relevant, "I think it is important because you know being on the Supreme Court is a really big deal, you're going to be on there the rest of your life and you're going to be making decisions that affect every citizen in this country's life."With the highly publicized hearings, some hope it will bring change."With this experience maybe he'll be open and fair, but I mean if he's already been sworn in there's nothing we can do now," Assaf said."I don't know if it will be enough to make an impact on how he stands as a person, I wish it would but I don't see that being much of a change for him," Egeonu said.Kavanaugh's confirmation tips the court in favor of Conservatives, concerning some voters. Zelaya said it is better to have an even and fair court. He said he was fond of Antonin Scalia because he was the wild card.An issue many women are concerned about is abortion and how Kavanaugh will vote on those cases."We have all these issues that are recycling from the past and I don't feel like anything is getting better, I hope with this people are able to wake up," Egeonu said.Kavanaugh's first cases are next week and focus on immigration, asbestos and firearms. 2639