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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

AMPA, Fla. — Tampa police have charged a mother with first-degree murder after police say she drowned her daughter in the Hillsborough River, killing her.Shakayla Denson, 26, has been arrested and charged with first-degree felony murder and aggravated child abuse in the death of 4-year-old Je'Hyrah Daniels. She also faces a charge of grand theft auto.Denson made a first appearance in court on Friday morning.  A judge set no bond on the charges of murder and child abuse.Tampa Police officers responded around 4:06 p.m. local time Thursday after receiving reports of a woman who drowned a child in the river just north of the Columbus Drive bridge. The dive team also responded to the scene where they pulled Je'Hyrah from the water around 4:30 p.m. She was discovered approximately 75 feet from the shore. Emergency services rushed her to St. Joseph's Hospital where she was pronounced dead.  Police say Denson was located walking nearby when they took her into custody. Investigators say Denson had just stolen a car - a grey Nissan Altima - from a nearby auto repair shop. She parked the car on Rome Avenue just north of Aileen Street. Witness AccountsAccording to an arrest affidavit released Friday morning, two witnesses said Denson "forcefully pushed Je'Hyrah into the back seat of the Nissan Altima." One of the witnesses attempted to stop Denson from leaving but was struck by the Altima as she left. Two other witnesses told police they saw Denson near Aileen St W and Rome Avenue N where she "forcefully removed Je'Hyrah from the back seat of the Altima by the arm." They said as Denson pulled Je'Hyrah she was "screaming loudly and not cooperating." Denson then went into the Hillsborough River while holding both of Je'Hyrah's arm until the water reached her shoulders.Vicki Walker lives on the 3rd floor of the Dockside Condos in Tampa, directly facing where police say Je'Hyrah was drowned.She told said that she never saw the child, but spotted a woman walking out of water not long before police arrived.“Which was very odd, I’ve lived here for years, I’ve never seen anybody in the river," she said.Walker took a photo of the woman in the river.Walker says that the woman was by herself and that she watched her walk out of the river onto the bank, where she says the woman sat for a while.“There’s a part of me that’s like ‘oh my gosh, why didn’t I run over there? Why didn’t I talk to this person? Why didn’t I find out what was going on?’ I had no idea,” Walker added. A GoFundMe that appears to have been created by Denson was posted nine months ago, it shared a photo of her and Je'Hyrah with the caption: 2684

Americans have been sending garbage to landfills for almost 100 years.Since the first one opened in Fresno, California in 1937, today the U.S. hauls about 268 million tons of trash to thousands of active landfills each year.However, it's not without debate over whether these dumps are our best option.A lot of our nation's garbage starts in the home. According to the EPA, paper accounts for 25 percent, food is 15 percent of the waste and plastic amounts to 13 percent.The journey to the landfill involves a few pitstops. After garbage collectors pick up the trash, they take it to sorting facilities, where machines and people in full hazmat suits separate everything. This can be time-consuming, and dangerous.Recyclables are sent off to be reused, and trash is either incinerated to create clean, renewable energy or taken to the landfillLandfill operators follow strict guidelines to help make sure their facilities don't cause any harm. They lay a base layer, several feet deep, below any trash. It's made up of materials like clay, minerals, and charcoal, which help make sure nothing seeps into the ground or water. Trash is strategically layered on top and then buried to help seal it off.In some cases, the sealed pile is covered in cement or asphalt and developed in homes or businesses. But those sealed-off piles still give off greenhouse gas emissions and fumes that can harm the environment and peoples' health.Some companies use technology to reduce emissions by capturing them and turning them into renewable energies. Researchers say even with that technology landfills can still pose hazards.One way to reduce the mountains of trash in landfills is to recycle.Americans throw away .5 billion in recyclable materials each year, including paper, plastic, cardboard, and aluminum products. 1817

An advisory committee is recommending Americans age 75 and older, along with essential workers like firefighters, teachers, and grocery store workers should be next in line for the COVID-19 vaccine.This second wave of people comes after the first tier of health care workers and long-term care facility residents that was agreed to by the Advisory Committee on Immunization Practices earlier this month should get the first of the vaccine shots that started last week.The committee, composed of health experts in the field of immunization, makes recommendations to the CDC, and they are almost always adopted.They voted Sunday afternoon on the recommendation, it was 13-to-1. They also discussed the next tier, which could include Americans age 65-to-75, as well as those who are age 16-to-64 who have high-risk medical conditions, and other essential workers not already vaccinated, according to CNN. It comes as a second COVID-19 vaccine, made by Moderna and the National Institutes of Health, begins being shipped around the country for approved emergency use and a second week of shipments arrive of the Pfizer vaccine.The CDC says roughly 556,000 Americans received the first dose of the vaccine last week. The Pfizer vaccine started being given on Monday, December 14.The general overseeing the distribution of the COVID-19 vaccines says they are on track to deliver about 20 million doses before the end of the year. Each person must receive 2 doses of the vaccine for full effect, which has been shown in both vaccines to be higher than 90% effective.As for when the second tier of frontline workers and those age 75 and older will receive their vaccines is up to state governors depending on their vaccination plans and distribution of the vaccine. The advisory panel is offering guidance to state leaders about how to handle distribution of the vaccine. 1872

Animal lovers rejoice! SeaWorld San Diego is offering a behind-the-scenes look at how the park takes care of and rescues animals.According to SeaWorld, the experience allows people get an up-close look at how animal experts provide day-to-day care as well as the life-saving operations of the Rescue Team.Inside Look gives guests a chance to meet the vets, rescuers and animal experts that are the backbone of SeaWorld.Inside look will be available from June 1 through the 2 and again the weekend of June 8 through 9. Click here for more information on the experience. 577