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As many people are still struggling to reclaim their financial footing, experts say easing the burden on your future entails putting a financial plan into place right now.So where do you start?WXYZ spoke to Robin Thompson of metro Detroit's MoneyWise Consulting for the top five financial things you need to do as you get ready for the new year.#1) Review your spending planNow is a good time to evaluate your expenses. Figure out where you can cut temporarily. Good places to look include anywhere you’re sending an automatic payment. Think about any unused streaming service subscriptions or gym memberships."You really have to get clear on what’s a need," said Thompson. "What’s a want? What is truly essential?"#2) Make a plan to get out of debtYou want to list all of your creditors, all of your corresponding interest rates, and then really laser focus on the debts with the highest interest rates.People should be allocating a minimum amount total of three months of essential living expenses for their emergency fund.#3) Start building an emergency fund"If you only have the ability to set aside a week, don’t get hung up on the amount," said Thompson. "The habit is more important than the amount."#4) Prepare for recoveryMortgage-holding homeowners and students should take advantage of loan forbearance right now."Now is the time to pick up the phone and talk with your lender on how’re we gonna handle this?"#5) Re-evaluate your retirement plan"How did COVID impact your retirement savings," said Thompson. "You want to revisit your investment mix, just to make sure you’re on target for your goals."So here’s the top 5 Rebound rundown: create a new spending plan, manage your credit and debt, build out at least a three-month emergency fund, prepare for the end of loan forbearance, and review your retirement strategy. 1844
BAKERSFIELD, California — Fire crews around California are gradually getting the upper hand on wildfires that are ravaging the state.On Monday morning, CalFire updated the progress of multiple fires from around California.The Camp Fire in Butte County is now covering 151,000 and is 66 percent contained. That fire has already claimed the lives of 77 people. About 1,000 people are still unaccounted for. CalFire is reporting that 11,713 homes have been destroyed. That's up more than a 1,000 homes from Sunday's update. PHOTOS: Wildfires devastation in CaliforniaThe Woolsey Fire, burning in Ventura and Los Angeles counties, is now covering 96,949 acres and is 94 percent contained. So far three people have lost their lives in that fire. 789
As the US federal government was set to run out of funding at the end of Friday, the House of Representatives and Senate both passed H.J.Res. 107 on Friday, which funds the government through Sunday night. Without approval, the federal government would have entered a shutdown on Saturday.The measure passed through the House by a 320-60 margin. Less than an hour later, the Senate approved the bill by a voice vote. President Donald Trump then signed the bill late Friday night, officially keeping the government open this weekend.Without funding, essential federal government employees would work without pay. Other government employees would be told to stay home.The discussion on funding the government comes as House and Senate leaders are still working on a compromise on a stimulus package. Both sides have stated that legislators won’t leave Washington without approval of a pandemic relief package. House Majority Leader Steny Hoyer said congressional leaders will continue discussing a stimulus package over the weekend, but no votes will be called before Sunday afternoon. As of now, 0 stimulus checks are in the pandemic relief proposal.The pandemic relief bill would also include supplemental funds for unemployment, and adding money to the Paycheck Protection Program, which helped businesses make payroll early in the pandemic. 1353
As the COVID-19 pandemic progresses, researchers say it is important to track how the coronavirus mutates because it could affect the efficacy of a vaccine.Like all living cells, viruses evolve their chemical make-up changes. In viruses like the flu, that happens frequently, which is why every year there is a new vaccine to treat whatever strain is expected to circulate. With COVID-19, however, those mutations happen much slower, according to research out of Arizona State University.“One of the things we’re still keeping an eye on is the evolution of this virus because that virus is still around in the community,” said Dr. Efrem Lim, an assistant professor at ASU. “Everyone is coming in blind to this. This is a novel virus. This isn’t something we have seen before.”In March, Arizona State University played host to our country’s fourth COVID-19 case. As soon as it was detected, Dr. Lim started studying how the virus mutates and sent his findings to the World Health Organization. It's something that still continues to this day.“This virus, overall, mutates pretty slowly, which is a good thing,” said Dr. Lim. “However, we can have instances where the virus can have very large, dramatic, mutations, such as deletions in the genome.”While rare, Dr. Lim says those mutations can be significant as it changes how the virus acts inside the body.Currently, scientists are focusing much of their efforts on identifying ways to eliminate the function of the spike protein in COVID-19, as it is the way the virus binds to our cells and infects them (spike proteins are the stalks that protrude from the center of the virus that make it so recognizable).“It is very good news that the virus is not changing rapidly,” said ASU virologist Dr. Brenda Hogue. “We will have to see over time, as the virus continues to circulate, as we put a vaccine into play, whether or not there will be any issues.”Dr. Lim says right now there does not appear to be any issues because the virus mutates slowly, but he adds it could adapt to a vaccine once one begins to circulate.He says more testing needs to be done to determine that, however. 2140
AUSTIN, Texas -- Valarie Allman has been throwing discus for 10 years.“When you throw a discus it takes about two seconds, and it’s a combination of power, of grace, of strength… I like to think of it as a dance still," Allman said.She started sophomore year of high school. But it’s her dance background that she credits for her quick progression in the sport.“I had a weird knack for it," Allman said. "I think all those years of learning choreography and spinning and doing pirouettes weirdly carried over to the discus, and it kind of just seemed like a good fit right from the start.”Multiple days every week, she trains hard in the gym guided by her coach Zebulon Sion.“I’m responsible for every facet of her training," Sion said. "So that includes the strength-training concepts, if we do any type of running, fitness oriented things, plyometrics, and then of course the actual throwing.”Their chemistry is undeniable.At only 25 years old, Allman is considered a pro athlete. Her rigorous training is fueled by her desire to be a part of the next Olympics.“When I graduated college, I think that was the motivation to keep training. I missed the team in 2016 by three feet and it was kind of in that moment that I realized that I really wanted to try again,” Allman said.Consistency, discipline, attention to detail. Allman’s focus didn’t falter until she found out the 2020 Olympics had to be postponed.“It was pretty heartbreaking," Allman said. "I mean, to feel like you’ve put in so much to be prepared for it and to be healthy and to do everything right to feel like you’d have a chance to make the team and then for it to be postponed I think it kind of just made me question everything.”“Her motivation to throw kind of was gone a bit for her for a while," Sion said. "And then we kind of got to a point after a month, month-and-a-half of training going well in terms of lifting and training -- our goal was to get fit, get strong and refine the technical model that she has to get to a point where we could be at our best if that opportunity would come.”That opportunity did come. On August 1st in Rathdrum, Idaho, Allman beat the Women's Discus American Record.“I threw 70 meters and 15 centimeters, and the previous record was 69 meters and 17 centimeters.”The three-foot difference that kept her from qualifying for the Olympics in 2016 is the difference she surpassed to become the first and only American woman to throw past 70 meters.“When you’re throwing that type of distance, three feet is significant. So to break it by almost three feet was huge actually,” Sion said.“When they measured the throw and they read out the numbers and it started with a seven I instantly burst into tears. I was absolutely shocked,” Allman said.Allman says 70 meters is the ultimate barrier. In the past 20 years, only two other women in the world have thrown past 70 meters.“Now looking back it’s wild the think it was just a sliver of a difference of giving up when we were on the brink of something incredible,” Allman said.“We could have called it we could have said 2020 is a bust ya know let’s move on," Sion said. "But the amount of time, energy, effort all the things to put in over five months of uncertainty and then for that to happen – I don’t know if I could be more proud.”The same day of her record-breaking throw was the exact day she would have been competing in Tokyo had the Olympics continued. However, with her dedication to improvement, Sion believes there’s a great future ahead of Allman.“I mean I think the goal is just to throw farther and to keep throwing far more often. I mean it’s pretty simple,” Allman said.Even more simple when you’re having fun. 3692