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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 some companies consider making work-from-home permanent, others see the value in creating a workplace for employees. "We've always been flexible in our workplace, we've always allowed people to work from home if they want, and what we learned is that people do want a place that is their own that we can come into," said Reid Carr, CEO of the marketing agency Red Door Interactive. After years of leasing an office in downtown San Diego, the company wanted to create its own space, designed to foster collaboration and growth."We were excited when we found it, we had a vision for how this whole process was going to go down," said Carr. The company purchased nearly half an acre of property to create a campus-style workplace. But after the pandemic hit, they overhauled the design to ensure it was a space employees not only wanted to go to but could feel safe in.The new campus will incorporate touchless features throughout the buildings, like doors and water bottle filling stations. They're creating outdoor meeting spaces with heaters and shades so that they can be used year-round. And inside, they're investing in the best available HVAC systems for air filtration."I'm learning at all this stuff as we go, but we're looking at hospital grade stuff. The perspective we took is there's always going to be flus and colds, so why not do these things that will help keep people from spreading disease," said Carr. In addition to having their own socially distanced desks, employees will have designated areas separate from visitors, including the kitchen. One building will be the epicenter of conference rooms so they can be easily cleaned more frequently."Certain things never change. You want to feel like you belong to something, you want to connect with people," said Carr. The company plans to break ground on its new campus in early September, with plans to complete the project in April 2021. 1916

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

Authorities have identified the body of a young boy found at a New Mexico compound as Abdul-Ghani Wahhaj, a missing 3-year-old who was allegedly abducted by his father in November, according to the state's Office of the Medical Investigator.The boy's remains were discovered a few days after authorities first raided the makeshift compound earlier this month and discovered 11 emaciated children wearing rags and no shoes.Abdul-Ghani, who would have turned 4 the day his body was discovered, had been missing since last November, when his father, 40-year-old Siraj Wahhaj, allegedly took him from his mother in Jonesboro, Georgia, and said they were going to a park.They never returned.New Mexico authorities suspected the boy and his father were at the compound after learning about the abduction in May, according to the Taos County sheriff, but didn't have enough evidence for a search warrant. 915

ATLANTA — The United States is going to require airline travelers from Britain to get a negative COVID-19 test first. The Centers for Disease Control and Prevention announced the new policy late Thursday. Airline passengers from the United Kingdom will have to test negative for COVID-19 within three days of their flight. The requirement goes into effect Monday.The U.S. is the latest country to announce travel restrictions because of a new variant of the coronavirus that is spreading in Britain and elsewhere. The new of the virus is more contagious than other strains.The CDC said because of restrictions in place since March, air travel to the U.S. from the U.K. is down by 90%. 692

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