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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 — A unanimous Supreme Court has ruled that Muslim men who were placed on the government’s no-fly list because they refused to serve as FBI informants can seek to hold federal agents financially liable. The justices on Thursday continued a string of decisions friendly to religious interests in holding that the men could sue the agents under the 1993 Religious Freedom Restoration Act. The three foreign-born men claim that their religious convictions led them to rebuff agents who wanted them to inform on people in their Muslim communities. The men claim the agents then placed or kept them on the list of people prevented from flying because they are considered a threat. They have since been removed from the list. 737

VISTA (CNS) - An Escondido man who killed a friend after challenging the victim to a fight, then posted sounds of the victim crying during the attack on a social media site, was convicted Tuesday of first-degree murder.A jury deliberated for about 90 minutes before finding Salvador Sanchez guilty in the April 2017 death of 20-year-old Maithem Alfuraiji.Jurors will now be asked to determine whether Sanchez, now 20, was insane at the time of the murder.RELATED: Snapchat murder victim identified by policeEscondido police Detective Greg Gay said friends of the two men were alarmed by messages posted on the defendant's Snapchat account on April 27, 2017, in which Sanchez can be heard telling the victim "tell them what you did."Police said Sanchez lured Alfuraiji to Mountain View Park and later challenged the victim to a "fight to the death."Sanchez told police that he targeted the victim because Alfuraiji was "making decisions and meeting with people" that put everyone they knew in danger.RELATED: Snapchat?aids in arrest of Escondido murder suspectFriends eventually called police about what they saw on Snapchat and Sanchez led them to Alfuraiji's body on the Rincon Indian Reservation in Valley Center. 1233

WASHINGTON (AP) — A military whistleblower says federal officials sought some unusual crowd control devices — including one that’s been called a “heat ray” — to deal with protesters outside the White House on the June day that law enforcement forcibly cleared Lafayette Square. National Guard Maj. Adam DeMarco says the Defense Department’s lead military police officer for the National Capital Region sent an email asking if the D.C. National Guard possessed a long-range acoustic device — used to transmit loud noises — or an “Active Denial System," the so-called heat ray. DeMarco said he responded that the Guard was not in possession of either device. National Public Radio and The Washington Post first reported DeMarco’s testimony. 746

VISTA, Calif. (KGTV) -- The Vista Unified School District announced Tuesday that its secondary schools would be pivoting back to virtual learning until the end of winter break.The decision only applies to district middle and high schools; students will have to finish the next three weeks of instruction virtually.Vista's elementary schools will continue with in-person learning.According to the latest community update on the district's website, the reason for the pause in in-person learning is based on the recent increase in the spread of COVID-19 "globally, nationally, regionally and locally."It goes on to say, "While Vista Unified has seen no evidence of the virus spreading within the school environment after 26 days of instruction in the Vista Classic learning model, the impact of the virus within our community is causing staffing challenges for teachers, instructional assistants, custodians, and other employees."The school board has a meeting scheduled for Dec. 15 to revisit the situation and discuss possible adjustments for the second half of the school year. 1086