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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

Arizona Governor Doug Ducey announced during a news conference Wednesday that local governments now have the ability, if they so choose, to mandate masks in their cities.The move comes as healthcare workers and many city leaders across the state called for the governor to make it a statewide requirement to wear masks in public to prevent the spread of coronavirus.Ducey said during the press conference that the amount of positive cases and the percentage of positive cases per test varies greatly by city and county across the state. Therefore, he says he is choosing to leave it up to local governments whether or not to mandate masks.Ducey did not clarify how exactly each local government could implement a mandate on masks, but Phoenix Mayor Kate Gallego tweeted that the Phoenix City Council would vote on a mandate on the upcoming agenda.When asked about how the use of masks would be enforced, Ducey said that would be left up to the mayors to decide.Ducey also announced during the press conference that 300 National Guard members will be called upon to help with contact tracing across the state.A spokesman for the governor has said, "addressing COVID-19 remains our highest priority. Everyone should wear a face covering when out in public and continue to follow public health guidelines."The push to wear masks in public comes as Arizona continues to see a rapid increase in cases, including a record number of additional cases in a 24-hour period between Monday and Tuesday. 1498

Amid a venomous political atmosphere, the two leading candidates for governor in Utah are making it a point to be civil in the final weeks before the election.Republican Spencer Cox and Democrat Chris Peterson stood side by side in a pair of public service announcements intended to tone down the political rhetoric. Cox, the state’s current lieutenant governor, is largely considered the frontrunner to win the race.“We can debate issues without degrading each other’s character,” Peterson said in the 30-second ad. A longer 60-second announcement was also filmed.“We can disagree without hating each other,” Cox added.“Win or lose, in Utah, we work together,” Peterson added.The two candidates concluded the advertisement with, “We approve this message.” 764

ARLINGTON, Texas — The World Series has drawn a record-low audience of television viewers for the second straight night. Tampa Bay’s 6-4 win over the Los Angeles Dodgers in Game 2 was seen by an average of 8,950,000 viewers on Fox. Los Angeles’ opening 8-3 victory in Game 1 was seen by an average of 9,195,000 viewers on Fox. The low for any game before this year came the only other time the Rays were in the World Series, when Game 3 against Philadelphia in 2008 was viewed by 9,836,000.The World Series ratings are consistent with a drop in ratings across all live sports in 2020, though live sports remain among the most-watched events on television. 664

Americans will soon have one more alternative to Obamacare, thanks to the Trump administration.Officials Tuesday proposed regulations that will make it easier to obtain coverage through short-term health insurance plans by allowing insurers to sell policies that last just under a year. The new rules stem from an executive order President Donald Trump signed in October aimed at boosting competition, giving consumers more choices and lowering premiums."Americans need more choices in health insurance so they can find coverage that meets their needs," said Health and Human Services Secretary Alex Azar. "The status quo is failing too many Americans who face skyrocketing costs and fewer and fewer choices. The Trump Administration is taking action so individuals and families have access to quality, affordable healthcare that works for them."The proposal would reverse an Obama administration decision to limit the duration of short-term health plans to no more than 90 days in order to make them less attractive.Such plans could roil the Obamacare market, drawing healthier consumers away from the exchanges and pushing up the premiums for those who remain.Short-term health plans, which have been available for years and were originally designed to fill a temporary gap in coverage, are likely to be cheaper than Obamacare policies. But that's because they don't have to adhere to Obamacare's consumer protections, allowing them to do such things as exclude those with pre-existing conditions and base rates on applicants' medical history.Also, they don't have to offer comprehensive coverage. Typically, short-term policies don't provide free preventative care or maternity, prescription drugs and mental health benefits. They can also impose annual or lifetime limits, meaning they may only pay out a set amount -- often million or less -- leaving the policyholder on the hook for the rest. And, unlike Obamacare policies, they don't have to cap consumers' cost-sharing burden at ,350 for 2018.Young and healthy folks may like these plans because they come with lower monthly premiums. But those who actually need care could find themselves having to pay more out of pocket for treatment and medications. In fact, some consumers with these plans have complained that they've been hit with unexpected expenses.Also, insurers aren't required to renew the policies so those who become sick could find themselves unable to sign up again for the same plan."People who buy short-term policies today in order to reduce their monthly premiums take a risk that, if they do need medical care, they could be left with uncovered bills and/or find themselves uninsurable under such plans in the future," wrote Karen Pollitz, senior fellow at the Kaiser Family Foundation, in a recent policy brief.Have you ever had a short-term insurance policy? What was your experience? Tell us about it here.Consumers today can find short-term plans that cost as little as 20% of the least expensive Obamacare plan, according to Pollitz.In its announcement about the proposed rules, the Trump administration said short-term policies are designed to fill a temporary gap in coverage. It will require insurers to notify consumers that the plans are not required to comply with all of Obamacare's mandates.The administration will accept comments on the proposed rule for the next 60 days.Those with short-term policies are not considered insured under the Affordable Care Act and are subject to the penalty for not having coverage. But this will not be an issue after this year since Congress effectively eliminated the individual mandate -- which requires nearly all Americans to be insured or pay a penalty -- starting in 2019 as part of its tax overhaul bill.The proposed regulations are the latest step in the Trump administration's quest to weaken Obamacare. Last month, officials unveiled a proposed rule that would make it easier for small businesses -- and some self-employed folks -- to band together and buy health insurance. That proposal also stemmed from Trump's executive order and is designed to broaden access to what are known as association health plans.  4169