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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

BALTIMORE — Romance scams have nearly doubled this year, according to the FBI. The holidays coupled with the pandemic have many people feeling lonely. Dating sites help singles connect, but it's not always who you think it is.A Montgomery County man thought he was in a relationship with a woman named Brandy Bowens, instead, he lost ,000 in a romance scam. "It’s like there are claws in you that you can't seem to get out," he said.He didn't want to be identified but wants to warn others about how his five-year relationship ended in financial ruin."It's hard. I lost the money and it messed up everything in a financial way for me, trying to build my credit back, just so much that that has screwed up for me," he said.His better judgment took a back seat when he was asked to be the go-between for the woman's art business. The FBI later informed him that he was involved in a money-laundering operation."That's a huge problem and continues to be a problem," said Supervisory Special Agent Keith Custer with the FBI Baltimore field office.Custer estimates that romance scams are up 30 to 50 percent. It's also one of the highest dollar value scams, and victims rarely get their money back.Custer is warning anyone with an online dating profile to research the person's photo and profile. Start by doing a reverse google image search, and look for scammers to make up excuses on why they can't meet in-person or video chat."Saying my phone is broke or my camera doesn’t work," the Montgomery County man said.And never send money to anyone you don't know personally."More people are being isolated and are online looking for companionship, so naturally that fraud and those scams are going to continue," said Custer.If you think you might be a victim of a romance scam, contact your local FBI office or file a report online.This story was first reported by Mallory Sofastaii at WMAR in Baltimore, Maryland. 1920

At least 257 people have been killed in a military plane crash near Algeria's capital, Algiers, state media reports.The aircraft crashed near the Boufarik air base, between Algiers and the city of Bilda. Ten of those killed were the plane crew, according to state-run Radio Algerie.It was not immediately clear whether there were any survivors.TV station Ennahar showed images of smoke rising from the plane's fuselage, tilted to one side, with part of the aircraft sticking out above olive trees. Dozens of bodies were seen in numbered bags as paramedics and firefighters worked at the crash site.The-CNN-Wire 618

Australia is ordering automakers to recall more than two million vehicles fitted with potentially deadly airbags.The Australian government said Wednesday that the cars contain airbags made by Takata, the Japanese company at the heart of a scandal that has led to tens of millions of vehicle recalls around the world in recent years.Takata airbags have been linked to at least 23 deaths globally, including one in Australia, according to a statement by the Australian Treasury. A defect can cause the airbags to explode and blast shrapnel into drivers and passengers.Voluntary recalls in Australia have previously been announced by big car brands including BMW, Chevrolet, Honda, Nissan, and Toyota. But the government said those steps haven't been enough to deal with the danger, leaving around 2.3 million vehicles with the defective airbags still on the country's roads."The voluntary recall process has not been effective in some cases, and some manufacturers have not taken satisfactory action to address the serious safety risk which arises after the airbags are more than six years old," said Michael Sukkar, an assistant Australian Treasury minister.The new compulsory recall includes models made by major carmakers such as Ford, Mercedes Benz, Tesla and Volkswagen.The total number of affected cars in Australia is 4 million, or nearly one in five passenger vehicles on the country's roads. All the faulty Takata airbags have to be replaced by the end of 2020, according to the government.Wednesday's announcement followed an investigation by Australia's consumer watchdog, the Treasury said.Takata's faulty airbags have led to massive recalls around the world over the past decade. In the United States, more than 40 million vehicles were affected, and authorities say the recalls could take until 2023 to complete.The scandal led to the slow and painful demise of Takata, which started out as a textile manufacturer more than 80 years ago and later came to specialize in seat belts and other auto safety equipment.The company has pleaded guilty to corporate criminal charges and agreed to pay a billion fine in the U.S. It filed for bankruptcy last year and much of its operations are being taken over by Key Safety Systems, a Chinese-owned company based in Michigan. 2323

AUSTIN, Texas (AP) — Authorities say two cranes collided and at least partially collapsed at a construction site in Austin, Texas, injuring at least 22 people. Footage posted by TV station KVUE after Wednesday's accident shows two cranes tangled several stories above a building under construction a few miles north of downtown in a rapidly growing neighborhood that includes residential, retail and office space. TV footage showed one of the crane operators still inside the crane cabin, although it did not appear to be damaged.Austin-Travis County EMS reports that at least 22 people were hurt, including at least seven who were being treated and prepped for transport to a hospital. At least eight ambulances were headed to the scene. 746