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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

AUSTIN, Texas (AP) — Oscar-winning actor Matthew McConaughey will join the University of Texas as a professor who this fall will teach in the university's Department of Radio-Television-Film.McConaughey has been a visiting instructor at the flagship campus in Austin since 2015 and the university said in a statement Wednesday that the appointment recognizes his "outstanding work as a teacher and mentor."He will continue teaching a Script to Screen film production class for which he developed the course curriculum.The university says McConaughey is respected for his "willingness to work with students beyond the classroom."McConaughey earned a film degree from the school in 1993. He's appeared in more than 50 films, including "Dazed and Confused," ''The Wolf of Wall Street" and "Dallas Buyers Club," for which he won an Oscar and Golden Globe for his leading role. 880

ATLANTA, Ga. – While residents along the Gulf Coast seek shelter from Hurricane Laura, they should still keep the threat of COVID-19 in mind.Emergency managers, shelter managers, and public health professionals are taking measures to reduce the possible spread of the coronavirus among people who seek safety in a disaster shelter during severe weather events like this.For those staying in a shelter during the storm, the Centers for Disease Control and Prevention (CDC) offered some tips to lower the risk of coronavirus infection:Preparing to shelterIf you need to evacuate, the CDC says to prepare a “go kit” with personal items you cannot do without during an emergency. That includes items that can help protect you and others from COVID-19, like hand sanitizer with at least 60% alcohol, soap, disinfectant wipes, and two masks for each person.Know a safe place to shelter and have several ways to receive weather alerts, such as the National Weather Service’s cell phone alerts, NOAA Weather Radio, or NWS alerts on Twitter.Find out if your local public shelter is open, in case you need to evacuate your home and go there. Your shelter location may be different this year due to the COVID-19 pandemic.Follow guidance from your local public health or emergency management officials on when and where to shelter.Make a plan and prepare a disaster kit for your pets. Find out if your disaster shelter will accept pets. Typically, when shelters accommodate pets, the pets are housed in a separate area from people.Follow safety precautions when using transportation to evacuate. If you have to travel away from your community to evacuate, follow safety precautions for travelers to protect yourself and others from COVID-19.While in a public shelterPractice social distancing. Stay at least 6 feet from other people outside of your household.Follow CDC COVID-19 preventive actions—wash your hands often, cover coughs and sneezes, and follow shelter policies for wearing masks. Avoid sharing food and drink with anyone if possible.Follow disaster shelter policies and procedures designed to protect everyone in the shelter, especially those who are at higher risk for severe illness from COVID-19, including older adults and people of any age who have serious underlying medical conditions.Avoid touching high-touch surfaces, such as handrails, as much as possible. Wash hands with soap and water for at least 20 seconds or use hand sanitizers with at least 60% alcohol immediately after you touch these surfaces.Keep your living area in the shelter clean and disinfect frequently touched items such as toys, cellphones, and other electronics.If you feel sick when you arrive at the shelter or start to feel sick while sheltering, tell shelter staff immediately.Keeping children safe in sheltersTeach and reinforce everyday preventive actions for keeping children healthy.Make sure children aged 2 and older wear masks. Masks should not be used by children under the age of 2. They also should not be used by people having trouble breathing, or who are unconscious, incapacitated, or unable to remove the mask without assistance.Be a good role model—if you wash your hands often, your children are more likely to do the same.Help your children stay at least 6 feet away from anyone who is not in your household.Watch your child for any signs of illness and tell shelter staff if your child may be ill.Try to deal with the disaster calmly and confidently, as this can provide the best support for your children. Help children cope with emergencies. 3559

As schools start re-opening around the country, daycare and early childhood education centers are opening too.A question on the mind of parents is, "Should you send your toddler or preschooler back?"Like every other working mom, Danielle Green admits it's challenging. She basically has two jobs. Her career as a scientist, and her around-the-clock job of mom to 2-year-old Corey and 6-month-old Dylan keeps her busy.“Having children is a full-time job in itself so it turns more into a full-time job watching kids during the day and then doing the work during nap and evening,” Green said.It’s is not only exhausting, but she says, it's 100 percent, not realistic.“It adds a lot of stress for parents,” Green said. “For me, it added a lot of stress because we want to dedicate as much time as we can to our kids and so I took the path to dedicating everything to my kids and doing the work while the kids were sleeping.”So, when her daycare opened back up, Green and her husband talked and decided it was time.“There’s uncertainty in sending a child to daycare during a pandemic, but if we’re being realistic, eventually our kids are going to have to go back to school, so the question becomes at what point do we re-enroll them,” Green said.It's a topic that parents all around the country are discussing, because we all know it’s hard to do both. Parenting expert Gigi Schweikert said give up the dream of doing it all because no one can.“What I know as a working parent of four is that you can’t give your work 100% and you can’t give your children 100% so having your children in childcare gives them the opportunity to have the education socialization and guidance they need while you as a working parent can have that individualized concentrated time to give work your full attention,”Schweikert said.But to send your children back during a pandemic isn't easy. You have to do quite a bit of homework, make sure no one is allowed in the center aside from your child and staff members, and review all the protective measures for your county and state.Things like temperature checks, masks and face shields are being required at some daycares. Experts suggest inquiring about ventilation and cleanliness. And get parent referrals. A lot of them.“What really is important is trust. You’re going to need to check off all the boxes of making sure people are cleaning, making sure air is really good. Instinctually once you make that checklist, you have to say as a parent, 'Do I trust these people with my most important thing which is my child,'” Schweikert said.There are some things that might be missing because of COVID-19, like parent and teacher visits. Some facilities like Lightbridge Academy are now reliant on electronics and in-center cameras.Green said she's confident in her decision. Her boys are happy and healthy every day, and she feels confident that she's successfully managing her career.“It makes me feel good to know that the daycare is actually practicing the appropriate safety precautions and wearing the appropriate protective equipment, take temperatures it is an added measure,” Green said. 3130

As President Donald Trump and Republicans attempt to reverse the results of last week’s presidential election in Pennsylvania, a significant case often cited by Trump’s supporters has lost steam.The House Oversight Committee, led by Democratic Congresswoman Carolyn Maloney, announced that Richard Hopkins has “recanted” his claim of election fraud in Erie County, Pennsylvania. Hopkins had previously accused fellow USPS employees of changing the date of ballots submitted after the election. 501

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