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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

As schools discuss in-person versus online learning for fall, parents are weighing their options. Homeschool groups are seeing increased interest from parents across the U.S.“We are homeschooling,” said Karissa Yeager, a mother in California. “We have decided we're just going to pull them from public school for the year and home school.”Yeager is a mother of two, and she’s concerned about the possibility of putting her 7 and 4-year-old daughters through mandatory mask-wearing requirements, in addition to other rules that may come with in-person learning this fall.“Let's just keep them home and put them in social situations where they’re still going to get to be kids, instead of sending them to school. I just didn't want the new formation of school to be what they think about when thought about school,” she said.Yeager is not alone.“Parents in droves are investigating and committing to homeschooling for this upcoming school year,” Linda Maepa, a board member with the Homeschool Association of California, said.Maepa is no stranger to teaching her kids. “I'm a veteran homeschooling mom of three,” she said. “Homeschooling allows you to build a lifestyle around education, around a love of learning.”With many schools moving to an online model for at least the beginning of this school year, parents are looking into the differences between online and homeschooling.“It’s using everything at your fingertips, everything that's available to you, to use as a learning tool. Going to the grocery store, pulling cans of soup off the shelf and looking at the label, said J. Allen Weston, the executive director of the National Homeschool Association.“We've had problems for decades, maybe over a century now, of being able to keep kids confined to a desk for six to eight hours a day. Now, trying to pin them in front of a screen for that same six to eight hours a day is going to be a disaster."But online learning expert Leanna Archambault, an associate professor at Arizona State University, says online school doesn’t have to be that way.“It can be interactive. I think it's just limited to the creativity of the teacher and the families, but there is this misconception that it's just sitting in front of the computer all the time, which we know is not a healthy thing in any kind of setting,” Archambault said.She said homeschooling is more like an individual sport, where parents are curating and teaching their kids. “Versus the online learning where there's a curriculum developed by a team, the teacher is there as a facilitator, the parent is really there as a learning coach,” she explained. “Online learning would be more of a team sport.”Homeschoolers say that’s not always the case.“What we create is pods and that's groups of families that all work full-time,” Weston said. “They take turns hosting each other's kids.”“You will find your type of situation represented among all homeschoolers. So ask, join your local communities and ask,” Maepa suggested.Regardless of a parent’s decision, the school system has been disrupted, and Maepa says it’s impacting everyone. “Everybody is doing something very different than what they've been doing every day for their education for their families,” she said.Archambault says she sees this disruption changing the way education works in the future. “That we reevaluate this strategic blend of what works well online and what potentially works well face-to-face when we’re allowed to return, and moving forward I think there's going to be a blend,” Archambault said. 3541

At Tivoli Brewing Company, canning beer has gone from celebratory to an almost sobering experience.“This sucks,” said Ethan Tsai, Tivoli brewery director.Tsai says Tivoli and other breweries across the country are suffering from an aluminum can shortage.“We don’t have enough cans, we’re not going to be able to sell enough beer,” he said. “This is going to be a financial pinch to a whole lot of people.”On a normal week, Tivoli would turn out almost 400 cases of beer. During the last few of weeks, however, they’re struggling to get out 100.“Sales is going to suffer,” Tsai said. “And if sales suffer, then our ability to survive is going to be jeopardized.”Experts say there are several reasons for this shortage in cans. More people are stocking up on beer in stores and taking it home during the COVID crisis and less customers are going out to bars and restaurants.Whatever the case, production of cans isn’t keeping up with the demand.“For the year 2020,” Tsai said, “Ball (Corporation) is estimating approximately 10 billion, that’s billion with a “B”, aluminum can shortage."Ball Corporation is one of the world’s leading aluminum can providers. It’s responding to the recent surge in demand for cans by expanding its operations and building two news production plants which they say should be completed by 2021.“It might mean that some brewers get less revenue and have to make more difficult choices,” said Bart Watson, chief economist with the Brewers Association, an organization representing thousands of craft breweries across the country.He says cans make up a majority of craft beer packaged sales and that this shortage of could cost companies money and employees their jobs.“It’s tough to see the small brewers, who put so much sweat equity into their businesses, be brought down by really something that not their fault,” Watson said. “First the pandemic and now these additional challenges like a shortage.”Back at the brewery, Tsai is trying to figure out how to logistically juggle this shortage of cans during a pandemic to make sure his staff still have jobs and that this brewery survives.“We are all in this together,” he said. “None of us benefit from just taprooms suddenly disappearing.” 2226

ASHEVILLE, N.C. – A North Carolina city council unanimously approved a reparations resolution for its Black residents Tuesday.The Asheville City Council voted 7-0 to approve the resolution that formally apologizes for the city’s participation and enforcement of slavery. It also offers an apology for carrying out an urban renewal program that destroyed multiple, successful Black communities.While the resolution provides reparations to the city’s Black residents, it does not mandate direct payments. Instead, the legislation calls for investments in areas where Black citizens face disparities.The resolution, obtained by the Asheville Citizen Times and WHNS, calls for “forming policy and programs that will establish the creation of generational wealth and address reparations due in the black community…” It also encourages state and federal leaders to do the same.The resolution says the resulting budgetary and programmatic priorities may include, “increasing minority home ownership and access to other affordable housing, increasing minority business ownership and career opportunities, strategies to grow equity and generational wealth, closing the gaps in health care, education, employment and pay, neighborhood safety and fairness within criminal justice.”Councilman Keith Young, who spearheaded the initiative, told ABC News that the council was looking to “embed systemic resolutions.” As for a timeline, he said the council "will have some steps to report on within six months and every six months after that.” He added that the work does not end, and it will be adaptive.The Black community makes up about 12% of the city of Asheville, while 83% of residents are white, according to census data. 1721

BAKERSFIELD, California — A Kern County, California judge decided Thursday to set free a man who's been on death row for 26 years.Vicente Benavides, 68, was freed from San Quentin Prison Thursday afternoon.The judge said all Benavides' charges were changed to not guilty.  His defense attorney told KERO television station that Benavides will not have to return to Kern County.On Tuesday, District Attorney Lisa Green made the announcement that her office would not file charges against Benavides, saying the case would be nearly impossible to retry in court. She said it would be very difficult to convince a jury beyond a reasonable doubt of Benavides' guilt.According to a decision released by the California Supreme Court last month, the convictions of Vicente Benavides in 1993 "were based on false evidence and that he received ineffective assistance of counsel."The decision also says that "false evidence was introduced at trial and that petitioner's convictions of substantive sexual offenses, special-circumstance findings, and judgment of death must be vacated."Benavides was convicted in 1993 of first-degree murder, rape, and other charges. He was sentenced to life. He was serving his term on death row in San Quentin. It was asked that his murder conviction be reduced to second-degree murder. That was also thrown out. The judgment has been vacated entirely. Benavides' defense attorney says his client's case is extremely rare, saying only two similar cases have occurred since the death penalty was reinstated in the 1970's.The California Supreme Court cited multiple doctors who evaluated 21-month-old Consuelo Verdugo in November 1991 when she died. The baby was taken from the Delano Regional Medical Center to Kern Medical Center then eventually the UCLA Medical Center where she died November 25, 1991.Multiple reports were made by doctors who said based on the inability to insert a catheter, bruising found near Consuelo's genitalia and other factors, they believed she had been sexually assaulted. 2101