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At least 100,000 small businesses have had to close permanently in the last nine months, according to data gathered by Yelp. Millions more have dealt with temporary closures and major losses in revenue.Now, many remaining small businesses are reliant on a strong holiday shopping season, and there’s finally some good news for these business owners and their employees.For example, at the Boston area small business called Boing Toy Shop, owner Kim Mitchell has been working overtime for the pasting nine months. She has had drastically change her business model.“In certain ways, I feel like although I am in the same physical footprint, I am almost running a completely different business,” said Mitchell.Since the start of the pandemic, Mitchell has had to shift more than half of her business online and added curbside pickup to keep her toy shop out of the red.“In certain ways, I almost feel like we are part store-front, part warehouse,” she added.However, in many ways, she still feels lucky to have some form of her business when so many other small businesses have had to close.“One of the first ones, unfortunately, was the store right across the street from me,” said Mitchell.The boutique clothing store across the street from Boing is just one of an estimated 27 percent of small businesses that have closed across the country, according to a Harvard University Project. And without a strong holiday season, even more permanent closures are feared.So, how has the holiday shopping season been so far for small businesses?“I had by far my most successful small business Saturday, which I did turn into small business weekend. I sort of stretched it,” said Mitchell. “There definitely is a sense, and I have a sense from my customers, that they are making a conscious decision to support their local businesses.”From Boing to stores around the country, consumers opened their wallets more than ever on Small Business Saturday. According to Adobe Analytics data, they spent a record .7 billion just online.“Smaller retailers have seen a 501 percent increase in revenue through the holiday season so far relative to a typical day in October,” said John Copeland with Adobe Analytics,” “From a percentage increase, small and medium-sized businesses are outperforming in terms of percentage gains.”From Adobe’s holiday shopping data to the Boston toy shops’ experience, it is clear consumers are conscious of how much mom and pop businesses are struggling and how important it is to help them and the workers they employ."It is really nice that, especially in a time like this, where we really need the community’s support in return. They are coming out and realizing that ‘hey, these small businesses have been there for us for a long time; now it is time to get their back,’” added Mitchell. 2811

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

ATLANTA — Georgia's legislature on Tuesday passed hate crimes legislation deemed essential by state leaders, sending the measure to Gov. Brian Kemp's desk.Georgia is currently one of four states in the U.S. without hate crime laws.The price Republicans exacted for moving that legislation forward was the simultaneous passage of a bill that would mandate penalties for crimes targeting police and other first responders.The action comes after Senate Republicans had added police as a protected class to the hate crimes legislation last week, but then moved those protections to a separate bill in a deal between the parties.Kemp's office said in a statement that he'd sign the hate crimes bill, pending a legal review.The bill's passage comes amid weeks-long protests against systemic racism throughout the country. The protests were sparked by the death of George Floyd, who died in police custody in Minneapolis after bystander video showed an officer kneeling on his neck for more than eight minutes.The passage also comes weeks after three arrests were made in connection with the shooting death of Ahmaud Arbery. The 25-year-old Arbery was killed in Burnswick, Georgia in February, and his case changed jurisdictions several times due to one of the suspect's connections with the local District Attorney's office. It wasn't until days after a video of the altercation leaked to the public in May that two of the men, Gregory and Travis McMichael, were arrested and charged with murder. A third man, William "Roddy" Bryan, was also charged with murder a few weeks later. 1582

At the end of summer, Christina Curfman would typically be rushing to prepare her second-grade classroom. However, it's different this year.“I started a garden,” said Curfman. “I’ve never planted vegetables my entire life, but my mom always had a garden, and I love it.” Her newfound happiness is coming with just as much heartbreak. “I submitted my retirement papers,” said the teacher of 28 years. It was a tough decision, but with COVID-19 threatening the in-person relationships she loved so much while teaching, she was forced to reconsider going back to school. “I had a student ask me, ‘Is this coronavirus going to kill us all?’ and I was like, ‘Oh my goodness. I’m not doing this anymore.’” Curfman knew her body couldn’t take the risk. “I have an autoimmune disorder. It’s similar to Rheumatoid Arthritis, so I have trouble walking," she explained. "The medications that I take kind of lowers your immune system, too.” On top of that, a few years ago, she spent weeks in the hospital for a blood clot in her lung. “I was saying goodbye to friends and family. It looked pretty dire, it looked like I wasn’t going to make it, and I wasn’t willing to test that again,” recalled Curfman. 1207

ATLANTA, Ga. (AP) — U.S. Attorney General Bill Barr says the federal government is awarding more than 0 million in grants to target human trafficking.The money will go to task forces combatting human trafficking, to victim services and victim housing.Barr made the announcement Monday in Atlanta with presidential adviser Ivanka Trump, Georgia Gov. Brian Kemp and athlete Tim Tebow, whose foundation is focused on combating human trafficking.Tebow was among those who spoke at the event, saying that we have to live with a sense of urgency to be able to rescue as many lives as possible.“It’s a calling because we believe it’s the greatest form of evil in the world today, because there are 40 million people around the world that need us,” said Tebow during the event. “They need us to say, no longer is it about the credit, it’s about the mission.”Tebow also posted about attending the event on his social media.Please join us in prayer as we continue our work to #EndHumanTrafficking pic.twitter.com/oyxilf0Uq3— Tim Tebow (@TimTebow) September 21, 2020 President Donald Trump’s administration in August awarded million in Justice Department grants to organizations that provide safe housing for victims of human trafficking.The announcement came after Barr, Trump and the Kemps toured the Georgia Center for Child Advocacy southwest of downtown Atlanta. 1371