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Americans are trying to form better financial habits in light of the recession, building emergency savings and paying down debt.However, many are finding savings accounts are now returning next to nothing in interest. That's because of the Federal Reserve's decision to keep interest rates low.Rates that were over 2.5% a year ago are down to under 1% now. But there are some other accounts that can get you a better return.“Something known as a rewards checking account might be a better option,” said Greg McBride, Chief Financial Analyst at Bankrate.com. “These are accounts that typically pay higher yields, higher than even online savings accounts, you might find 1.5, 2, 2.5%, but you have to meet certain qualifications each month to earn that deal.”Rewards checking accounts typically are offered by smaller community banks and credit unions. They usually come with monthly requirements though, like direct deposit, online bill pay, enrolling in e-statements, and using your debit card a certain amount of times. But those are things many people already use.In terms of saving versus paying down debt now, experts say to save.“That's really critical. No one knows what’s going to happen down the road in terms of jobs or income, so having some money put away will help you sleep at night,” said McBride.Just to give you an idea, you could make by saving around ,000 a year at 3% interest rate, which a rewards account might pay.That’s compared to just 60 cents in an average savings account, which only has about a .06% interest rate. 1556

An Oregon health care network says it has placed a nurse on administrative leave after she shared a video on social media where she bragged about flouting basic public health measures that help prevent the spread of COVID-19.In a Facebook post on Saturday afternoon, Salem Health said it had placed the nurse on administrative leave pending an investigation after learning of the video.According to KPTV-TV in Salem, Oregon, the Washington Post and BuzzFeed News, the unidentified nurse originally shared the video on TikTok. Though the nurse later deleted the video, other TikTok users have since used her clip in a side-by-side "duet" video, and screen recordings of the original video have also gone viral on other platforms.The original TikTok shows the female nurse, clad in blue scrubs and a stethoscope, lip-syncing a scene from "How the Grinch Stole Christmas," starring Jim Carey. 897

An Uber driver in Arizona said he pulled up to give a ride Easter morning and ended up with an AR-15 assault rifle in his face. Edward Martinez said two men called for a ride and while he waited at the curb, a third man came out of the house with no shirt and a gun. "He points it at me and says, 'call 9-1-1,"' said Martinez. Not knowing what was happening, Martinez started dialing and talking to the 9-1-1 dispatcher, and the guy with the gun went back inside. In the meantime, he said the two riders got in his car and told him not to worry about the guy with the gun. About that time, the man with the gun returned. "That's when he put a round in the chamber," said Martinez. "The [passenger] door was open... and then he had the weapon, it was about [half way] in the car, and I just took off."Martinez drove to a Quick Trip. He said his passengers tossed something out the window on the way and disappeared when he parked to wait for El Mirage police. An El Mirage officer ended up arresting the armed man, 25-year-old Nicholas Brasseur. Police searched his home and wrote in the police report that they found drugs and 25 AR-15 assault rifles.  "My profession is manufacturing AR-15s," Brasseur told the court at his initial appearance. The judge informed him that he would not be allowed to continue working with weapons or be in possession of any weapons while awaiting a resolution to the charges, which include aggravated assault with a deadly weapon and possessing or using a weapon during a drug offense.       Martinez said he reported the incident to Uber but has not received a followup call. "I'm missing work. Where's any concern? What can we do to help you? Do you need to see a counselor? Or any of that kind of stuff," said Martinez. Meanwhile, he says he doesn't know if he'll ever drive again. "Not today, not the next day," said Martinez. "Why would I want to put my life [at risk] and lose my life. I can't."An Uber spokesperson told Scripps station KNXV in Phoenix they've banned all the people involved from the Uber app and will co-operate with police.  The spokesperson said they're glad Martinez is OK and plan to follow up with him soon.  2268

An officer-involved shooting resulted in a fatality at a Baton Rouge apartment complex Monday evening, according to a Louisiana State Police spokesman.The Baton Rouge police officer was escorting an employee from the Louisiana Department of Children and Family Services (DCFS) to the Palms apartment complex when a struggle ensued, culminating in the fatal shooting, spokesman Bryan Lee told reporters at a news conference.Lee did not specify whether the victim was involved in the DCFS visit to the apartment complex. A large crowd gathered near the shooting scene, according to CNN affiliate WBRZ.The Louisiana State Police Crime Lab and East Baton Rouge District Attorney's Office are currently at the apartment complex investigating the incident, according to Lee.The identities of the shooting victim and officer are not being released at this time, but Lee told reporters the officer sustained a minor injury and was wearing a body camera at the time of the shooting.Shooting victim 'not handcuffed'East Baton Rouge District Attorney Hillar C. Moore, III told reporters the victim in Monday night's officer-involved shooting was not handcuffed at the time he was shot."We really are early on in this investigation, state police are here doing the job they always do," Moore said. "From all the indications that we have, from video, from statements, that is not the case, he was not handcuffed when he shot."Moore said the shooting occurred after a long struggle with officers at the apartment complex around 6 p.m. CT Monday night.A Taser was deployed an unknown number of times and there was a struggle between the victim and officers over the Taser and weapons prior to the shooting, according to Moore.Mayor: Don't jump to conclusionsBaton Rouge Mayor-President Sharon Weston Broome urged residents to "withhold judgment" on the shooting, asking that they instead let the Louisiana police complete its investigation."As mayor-president of this city and parish, I am closely monitoring the Baton Rouge Police Department officer-involved shooting that took place tonight, Weston Broom said in a statement."Per protocol, the Louisiana State Police (LSP) is investigating this case. I am sure that the LSP will demonstrate the highest level of transparency throughout this investigation. I ask that the community withhold judgment on this incident until the LSP concludes its work."Baton Rouge is the city in which Alton Sterling, a black resident whose death at the hands of police sparked huge protests in the city.Sterling, 37, was killed by police in July 2016. He was shot outside a convenience store after police responded to a call about a man threatening another man with a gun.Cellphone video showed Sterling pinned to the ground by the white officers before he was shot, but police said he was reaching for a gun.His death helped spur nationwide protests against excessive force by police. A Missouri man ambushed and killed three law officers and wounded three others in the Louisiana city in the weeks following Sterling's death.No federal charges against the officers were filed following his death as prosecutors determined there wasn't enough evidence to warrant civil rights charges against Baton Rouge police officers Blane Salamoni and Howie Lake II. 3281

An influx of college financial aid applications this year means that money could run out for students who don’t file early.Due to financial strain caused by COVID-19, nearly 40% of families that didn’t previously plan to apply for federal financial aid now expect to do so, according to a recently released survey from Discover Student Loans.The federal government, states, colleges and other organizations use the Free Application for Federal Student Aid, or FAFSA, to award financial aid. You must complete the FAFSA to be considered for financial aid.You have 21 months to submit the FAFSA for any given academic year. For the 2021-22 school year, the FAFSA opens Oct. 1, 2020, and closes June 30, 2022. But that doesn’t mean you should wait.“There is no downside to applying early, but a lot of risk in applying late,” says Manny Chagas, vice president and head of marketing and product at Discover Student Loans.Here’s why you should file the FAFSA now.Better shot at more free moneyThe sooner you submit the FAFSA, the greater your chances are of getting free aid you don’t have to repay, such as grants or scholarships.Federal Pell Grant money likely won’t run out, but other need-based aid, including that awarded through your school and state, is limited and awarded on a first-come, first-served basis. Jack Murphy, financial aid counselor at the University of Northern Iowa, named the Federal Supplemental Educational Opportunity Grant and his school’s tuition assistance grant as examples.The Federal Work-Study Program also has limited funds, so you’ll want to file the FAFSA early to take advantage of it.More time to appeal a financial aid decisionStudents and parents who are dissatisfied with their aid amounts or have a change in economic circumstances can appeal the financial aid award from their school. To do this, you need to petition your school with a financial aid appeal letter and provide evidence to support your need for more aid. If you wait too long, the aid money could run out.Those who file the FAFSA early are more likely to receive their school-based financial aid awards with their college acceptance letters. While your federal aid will be the same no matter where you attend college, you can send your FAFSA information to several schools to see which will give you the best school-based aid package. Doing so early will allow you to compare offers and appeal if necessary.If you apply for the FAFSA late, you not only risk a smaller award to begin with, but you also have less opportunity to “shop around” and submit a successful appeal letter.A quarter of parents surveyed by Discover Student Loans say they’ll appeal their financial aid decision because of previous award amounts and pandemic-induced changes in family finances. In speaking about the survey, Chagas emphasizes that there tends to be more money available early in the process, so students should make the FAFSA a priority.Murphy agrees. “Filing early makes sure you’re in the running to receive as many awards as possible,” he says. “We see students that get [aid] one year, but not the next.”They don’t lose out on aid because they no longer qualify, Murphy explains. They just waited too long.More From NerdWalletNerdWallet’s FAFSA GuideYour FAFSA Questions AnsweredWhat Are the FAFSA Requirements?Cecilia Clark is a writer at NerdWallet. Email: cclark@nerdwallet.com. 3387