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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

ATLANTA (AP) — A representative for Tyler Perry says the filmmaker and actor offered to pay the funeral expenses for an 8-year-old girl who was fatally shot in Atlanta. Secoriea Turner was shot while riding in a Jeep Cherokee with her mother and another adult on Saturday night. The shooting occurred near a fast-food restaurant where a Black man, Rayshard Brooks, was killed by a white police officer on June 12. The Wendy's restaurant was later burned, and the area has seen frequent demonstrations against police brutality since. Perry paid for Brooks' funeral last month. No suspect has been arrested in the girl's shooting death. 642

As tensions between law enforcement and the public rise, more cops are saying they need help mentally.For decades, mental health in law enforcement has been stigmatized, says Lieutenant Alexis Zellinger with the Atlantic City Police Department in New Jersey, and she says it has led to suicide being the leading cause of death among officers for the last few years.According to the group Blue H.E.L.P., which has tracked officer suicide since 2015, 2019 was the deadliest year for police in the United States as 228 took their own lives. The organization also reported 172 officer deaths due to suicide in 2018, 168 in 2017, and 143 in 2016.Lt. Zellinger says traumatic incidents on the job can occur several times in one day and are not always related to use of force situations.“I was on a call where we had to perform CPR on an infant,” said Lt. Zellinger. “Going through something like that as a police officer and a woman who has gone through a miscarriage not too far along from that moment; it is something that can be traumatizing."“The climate of the country right now, it’s not great for law enforcement,” added Deputy Chief Bridget Pierce with ACPD.In 2018, New Jersey Attorney General Gurbir Grewal instituted the Officer Resiliency Program as a way to help offer supports to law enforcement personnel who may need it. The program places at least one officer trained to understand and deal with mental health issues inside each department in the state. Grewal says the program traces back to an encounter he had in 2018 with Pablo Santiago, a deputy with the Mercer County Sheriff’s Department in the state.Only a few weeks after the two met and Santiago invited him to a homeless feeding, Grewal says Santiago shot and killed himself in the parking lot outside of his office on the day after Christmas.“He was the picture of community service,” said Grewal. “[He was] vibrant. You never knew anything was affecting him. There is an argument to be made that it’s a line of duty death because it is the trauma and stress of the job.”In Atlantic City, Deputy Chief Pierce and Lt. Zellinger volunteered to become the department’s first two resiliency officers. They started counseling officers within the department only two weeks ago.“In my career [at ACPD]- I’ve been here 24 years- there have been 6 officers who have committed suicide,” said Pierce. “When one of your own takes his own life, you feel partially responsible that you should have seen it coming. One of the officers that we lost years ago was one of my very good friends, who I worked side by side with, rode in the car with, and for a long time that haunted me.”Since the death of George Floyd, Attorney General Grewal says calls to resiliency officers and state hotlines have increased by thousands.“It’s tough. It’s only getting tougher,” said Deputy Chief Pierce.Blue H.E.L.P. says 125 officers have taken their own lives in 2020. 2919

As we shop online more this holiday season, pest control experts are also expecting more calls.That's because those cardboard packages left out in front of homes are basically an invitation for bugs and rats to come inside.“They're looking for shelter, just like we are. They're cold if they're outside, so a lot of times, they have that fall migration, or early winter migration of rodents to our door, seeking heat and shelter,” said Dr. Brittany Campbell, staff entomologist at the National Pest Management Association.Some of those pests include American and German cockroaches, silverfish and even booklice. Unlike body lice, booklice are mostly harmless and more of a nuisance.During this time, it's important that you open up your packages outside. You'll want to do a quick inspection of the exterior of the box.“So, you'll look for gnaw marks, any type of droppings on the boxes, and then before you bring them in, go ahead and open that cardboard box,” said Campbell.Once you open up the box, shake out all the items inside and look for fecal droppings, urine marks, egg casings, and any other type of clues that show there were insects inside.After inspecting the box, it's fine to still use it to wrap your gifts, but make sure to dispose of it as soon as possible after Christmas. Don't let cardboard pile up inside your house.And if you think you have an infestation, get a pest control expert to take care of it. 1435

ATLANTA - In a memo this week, Delta Airlines’ CEO told staff nearly 700 passengers have been placed on the no-fly list in 2020 for refusing to comply with policies requiring masks on planes.This is a sharp increase from the 460 banned passengers the airline reported in October. Delta and other airlines have been adding mask rule-breaking passengers to the no-fly list since early in the pandemic.Delta is not alone, latest numbers from United report about 430 passengers of that airline have been added to the no-fly list for not following their mask policy, and 88 have been banned from JetBlue flights.A Department of Defense study found that masks, combined with airplanes’ air filtration systems, can greatly reduce the risk of transmitting the coronavirus during a flight.While that sounds like a lot of passengers, Delta told Fox News they are flying about 1 million customers per week.In the message to staff Wednesday, Delta’s CEO Ed Bastian thanked employees for taking unpaid leave and manage reductions in hours earlier this year, which helped them be one of the few airlines that avoided involuntary furloughs. Ground workers and headquarters employees were cut to three or four days a week.However, he is now asking employees again to take unpaid leaves of absence to help the company save money, according to the staff memo. Bastian said Wednesday that Delta will need more employees to take unpaid leave “for the foreseeable future.”“I ask everyone to consider whether a voluntary leave makes sense for you and your family,” he said in a memo to employees.About 15,000 Delta employees have already left the airline through buyouts and early retirements, according to the Atlanta Journal Constitution.It's a sign of the deepening slump in air travel with coronavirus cases rising across the country. Delta expects to lose up to million a day on average during the fourth quarter.Delta is also one of the last airlines to block the middle seats on their planes, and says they will do so through March 2021.Unlike American and United, Atlanta-based Delta has avoided furloughs since the pandemic started by convincing thousands of workers to retire early or take unpaid leave.But the air travel recovery seems to be faltering. Passenger traffic rose over Thanksgiving week but has dropped since then. 2327