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Americans are trying to form better financial habits in light of the recession, building emergency savings and paying down debt.However, many are finding savings accounts are now returning next to nothing in interest. That's because of the Federal Reserve's decision to keep interest rates low.Rates that were over 2.5% a year ago are down to under 1% now. But there are some other accounts that can get you a better return.“Something known as a rewards checking account might be a better option,” said Greg McBride, Chief Financial Analyst at Bankrate.com. “These are accounts that typically pay higher yields, higher than even online savings accounts, you might find 1.5, 2, 2.5%, but you have to meet certain qualifications each month to earn that deal.”Rewards checking accounts typically are offered by smaller community banks and credit unions. They usually come with monthly requirements though, like direct deposit, online bill pay, enrolling in e-statements, and using your debit card a certain amount of times. But those are things many people already use.In terms of saving versus paying down debt now, experts say to save.“That's really critical. No one knows what’s going to happen down the road in terms of jobs or income, so having some money put away will help you sleep at night,” said McBride.Just to give you an idea, you could make by saving around ,000 a year at 3% interest rate, which a rewards account might pay.That’s compared to just 60 cents in an average savings account, which only has about a .06% interest rate. 1556

Another 1.2 million people filed new jobless claims last week, according to the Department of Labor’s latest jobless claims report, and 16.1 million people had continuing claims. There are many reasons why finding a job right now is difficult, but one reason may involve the number of people holding off on retirement.“My career has been absolutely wonderful,” said Peggy Morriston Outon. “Because I am privileged to be around people who want the world to work justly and fairly.”For 40 years, Outon has worked in non-profit and is currently the assistant vice president for community engagement and leadership development at Robert Morris University in Pittsburgh. This May, she was planning on retiring.“I decided I was going to let this job open, a job I have loved and benefitted from, and have somebody else have a chance and see what they could do with it,” said Outon.However, a few months before retirement, the pandemic hit the United States and Outon’s plans had to change.“They were not going to be able to re-fill my position because of economic challenges with COVID, so all of a sudden, my desire to open up a position and leaving more work for my co-workers,” Outon added.Outon has now delayed her retirement indefinitely. She’s part of a growing number of Americans doing so because of COVID-19. In fact, the non-profit organization, Life Happens, just conducted a survey that showed 43 percent of adults have either already delayed retirement or are considering it.“It kind of has to do with the uncertainty of what this is going to look like, this pandemic’s effects on long-term and short-term finances, said Fasia Stafford, the president and CEO of Life Happens.“What we also found interesting was that the younger folks were delaying it even more than the older folks, so when you are looking at folks from 18 to 23, they are thinking that this is going to have long-term effects on them, that their retirement age might be delayed because of what is happening currently.”Currently, it doesn’t help with our country’s high level of unemployment, having so many people postpone their retirement. It negates the natural cycle of people exiting the labor market and making room for newer people to enter.“It is important for society,” said Outon. “I think it is healthy for younger people to get their chance and for there to be ability for them to make decisions and be in charge frankly.”If retirement nest eggs keep cracking because of economic recessions hitting almost every decade, those chances are going to be more and more delayed. 2566

Arrest Made, Additional Information Sought in Galleria ShootingMontez Moses Miracle Coleman 22 years oldBirmingham, AL- Capital Murder No Bond- 3 counts of Assault 2nd degreeNo BondPress release: https://t.co/lZrv4Jg8up@CSMetroAL #hooverpd pic.twitter.com/AVF0cAFtTd— Hoover Police Dept (@HooverPD) July 5, 2020 322

Apple unveiled its new iPhone operating system, iOS 14, on Monday at its completely-online Worldwide Developers Conference (WWDC) Keynote Address.Here are Apple's most significant announcements from Monday's event.iOS 14Apple gave viewers a first look at iPhone's new operating system on Monday. The new program means that iPhone's home screen will look a bit different when it debuts later this year.iPhone users will now have the ability to set default email and browser apps for the first time. Previously, iPhone defaulted to using Apple's "Mail" and "Safari" apps when clicking on links in social media apps. Now, users can choose to browse and message on other companies' browsers and email clients.The home screen will also get an overhaul with a new "Library" grouping feature that will automatically group similar apps together on an additional home screen page. The feature is designed to allow users to find lesser-used apps more easily.iOS 14 will also introduce a new "Picture in Picture" feature that allows an iPhone user to watch videos while browsing other apps.The new operating system also makes some changes to the popular Memoji feature, including the ability to give an avatar a coronavirus mask.New chips in MacBooksIn an announcement that was widely expected, Apple announced Monday that all of its products would be built with computer chips made in-house. While mobile Apple products and Apple TV devices are already made with chips produced in-house, MacBooks previously ran on Intel's computer chips. Moving forward, Apple will begin using its own chips in thier laptop computer.Translate appApple unveiled a new smartphone app that will provide real-time translation between two people speaking different languages.Unlocking a car with an iPhoneApple announced several updates to its "CarPlay" app, which allows iPhones to communicate with certain car models. Among the updates is a feature that will iPhone users the ability to unlock and start their cars from their phones. The first car to be equipped with the feature will be the BMW 2021 BMW 5-series. Key privileges can also be sent through Apple's message app and can be revoked at any time. 2185

An online Good Samaritan challenge that's gone viral prompted two Michigan brothers to offer free lawn mowing to people who can't easily do it themselves.Now, the nationwide challenge's organizer is headed to metro Detroit to recognize their efforts.16-year-old Sam and 13-year-old Hunter have mowed 51 lawns in Westland for free since April. It's a task most people hate, especially in the summer heat; but Sam loves it. So when his parents told him about the "50 Yard Challenge," it was a no-brainer.“We get the feeling that we’re helping people who really can’t help themselves," he said.Rodney Smith, Jr. created the challenge. He's the founder of Raising Men Lawn Care Service in Alabama."Back in 2015, I came across an elderly man outside mowing his lawn. It looked like he was struggling, so I pulled over and helped him out. That night I decided I’ve to start mowing free lawns for the elderly, disabled, single parents, and veterans in Huntsville, Alabama," Smith told WXYZ. Two brothers from Westland mowed 51 lawns since April FOR FREE. They’re offering help to the elderly, people with disabilities, veterans, or anyone who may need some help. It’s all part of the #50YardChallenge, taking place around the country @wxyzdetroit ???????????? pic.twitter.com/cd0DDMxIYW— Jenn Schanz (@JennSchanzWXYZ) July 3, 2020 He turned his good deed into a non-profit, and challenges young people around the country through social media to mow 50 lawns in their community for those who need some help— and to do it, for free. They get prizes along the way, and once they hit 50 lawns, Rodney hits the road; he’s making his way to Michigan Friday to offer Hunter and Sam not only thanks but a lawnmower, weed wacker and blower.Sam and Hunter’s parents follow Rodney on social media and put the word out that the boys were in.It didn’t take long before they were getting requests.“A lot of neighbors actually were advocating for neighbors they had, that they knew that couldn’t do it. So it was really cool to see the amount of community that came out. The boys have actually made what we think are going to be long-lasting relationships with some of these that don’t have contact with the outside world," their mom Keri told WXYZ.Fifty other kids from around the country have also completed the challenge, and about 1,000 are in the process of doing it now.“It’s just great. Especially when things kind of hit, a lot of the activities they weren’t able to do anymore. We couldn’t play baseball, we couldn’t go out to school, we couldn’t have activities to actually do," said their dad, Kyle.They may be helping others, but the boys said they're getting something really important out of the work too.“It’s heartwarming. We just get to meet nice people that just... that really want to have connections with other people that just can’t really go anywhere," said 13-year-old Hunter.“They appreciate what we do," Sam told WXYZ. "I’ll have those people as friends forever and ever.”WXYZ's Jenn Schanz first reported this story. 3037

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