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It doesn’t take much to upend many Americans’ finances. A car that won’t start, a furnace that dies or a trip to the hospital can leave households struggling to make ends meet.According to the Federal Reserve, 44% of U.S. adults say they would have trouble coming up with 0 to cover an unexpected expense. Even families who have more in the bank can flounder. Surveys by The Pew Charitable Trusts found that 51% of families with at least ,000 in savings reported trouble paying the bills after a financial shock.Yet it is hardly a shock if an appliance wears out or a car breaks down.It’s time to rethink what we mean by unexpected expenses. Some bills may be unpredictable in their amount or their timing, but they’re still inevitable. In other words: If you have a car, or a home, or a body, sooner or later it’s going to cost you.A better approach, especially for households currently living paycheck to paycheck, is to save for the most likely costs and have some kind of Plan B to handle the truly unexpected.Here’s how that might work with three of the most common unexpected expenses Pew found: 1119

In his first comments since the FBI raid on his home and office, Michael Cohen said the FBI agents "were extremely professional, courteous and respectful."The comments contrast with President Donald Trump who complained Monday that agents "broke into the office of one of my personal attorneys.""I am unhappy to have my personal residence and office raided. But I will tell you that members of the FBI that conducted the search and seizure were all extremely professional, courteous and respectful. And I thanked them at the conclusion," Cohen said in a phone conversation on Tuesday with CNN.Asked if he was worried, Cohen said; "I would be lying to you if I told that I am not. Do I need this in my life? No. Do I want to be involved in this? No."The raid was "upsetting to say the least," he added.Cohen did not fault the FBI agents who conducted the raid at his house, office and a hotel where he is temporarily staying.Cohen would not comment further on the raid, but acknowledged the raids and attention have had an impact on his family. He wants the investigation to be over and continues to say everything he did in regards to paying Stormy Daniels for the non-disclosure agreement was perfectly legal.He said that he is very loyal to Trump but after what happened on Monday, he'd rethink how he handled the payments to Daniels because of the impact on his family. 1380

It’s been four months since most of the nation’s schools abruptly shut down because of the COVID-19 pandemic. Now, schools are considering reopening, while COVID-19 cases continue to rise. So what’s changed that supposedly makes a return to campus safe?“Occasionally you have schools close because there's an outbreak of measles or flu or something like that, but not to this scale,” Dr. Elizabeth Hinde, Dean of the School of Education at Metropolitan State University of Denver, said.Districts are scrambling to figure out how to return to school this fall as COVID-19 continues to spread across the U.S.Back in March, almost every school was forced to close, a mindset much different than today's.So what has changed? We sat down with a global health affairs professor, an education expert, and an infectious disease doctor to look at the changes between now and four months ago.Within the span of a week, states told their schools to shut down.“When everything closed down in March, we were comforting a new disease, we were terrified at what it could do,” Dr. Sandy Johnson, director of the global health affairs program at the University of Denver, said.Little was known about COVID-19.“School closures are always a part of the mitigation strategy along with quarantine, stay at home orders, etcetera,” Dr. John Hammer, an infectious disease specialist at Rose Medical Center, said. “The difference between March and now is that we have a better sense of how the virus works. How it’s transmitted.”There’s more to this decision than a better understanding of the virus.“When we’re talking about whether or not schools should open, another factor is the loss in achievement and also there are equity issues that have really come to the fore” Dr. Hinde said.Kids finished the school year from home -- some didn't have the proper tools or the support of a school, opening the door for inequity.“We know that there are mental health issues,” Dr. Johnson said. “Our front line social workers that are looking for domestic violence and we know domestic violence has been going up. So there are many important roles in addition to education that come in those schools.” This also includes food and housing insecurity.Another factor in consideration -- teacher health.“These folks are balancing fear. Fear for their health, fear for the health of their families, with this real desire. They understand how important education is,” Dr. Johnson said.“There's just no definitive answers that principals and superintendents and teachers can lean on,” Dr. Hinde said.What was a state decision in the spring has now been put on the shoulders of school districts, as they weigh the pros and cons of returning to in-person learning.“Every school board, every school district, has to make a very tough decision. It is a very delicate balancing act,” Dr. Hammer said.“Local control is a strength in American schools, but it does make decision making very complex, because the superintendents of schools and principals are listening to all these different voices,” Dr. Hinde said.From teacher health and safety, to inequities in learning and the mental health of children, school leaders have a lot of elements to look at when it comes to opening classroom doors.“I think in the next couple weeks we’ll see decisions made,” Dr. Hinde said. “All of this, it’s a new world.” 3367

It seems Americans were hungry and thirsty on Election Day.On Twitter, Google trends revealed that searches on Election Day of “fries near me” and “liquor store me” were at “all-time highs." 198

It's Election Day, which means people will be shuffling to the polls throughout the day. But before you take off to cast your vote, make sure you check that your polling location is still open.Here's a map and list of closing times across the United States.6 p.m. ET: Most of Indiana, eastern half of Kentucky7 p.m. ET: Georgia, most of Florida, New Hampshire, rest of Indiana, western half of Kentucky, South Carolina, Vermont and Virginia7:30 p.m. ET: Ohio, North Carolina, West Virginia8 p.m. ET: Alabama, Connecticut, Delaware, Washington, D.C., Florida panhandle, Illinois, most of Kansas, Maine, Maryland, Massachusetts, most of Michigan, Mississippi, Missouri, New Jersey, Oklahoma, Pennsylvania, Rhode Island, eastern half of South Dakota, Tennessee, most of Texas8:30 p.m. ET: Arkansas 9 p.m. ET: Colorado, rest of Kansas, Louisiana, rest of Michigan, Minnesota, Nebraska, New Mexico, New York, western half of South Dakota, rest of Texas, Wisconsin, Wyoming10 p.m. ET: Arizona, southern half of Idaho, Iowa, Montana, Nevada, most of North Dakota, southeast portion of Oregon, Utah11 p.m. ET: California, northern part of Idaho, rest of Oregon, rest of North Dakota, WashingtonMidnight-1 a.m. ET: Alaska and HawaiiAnd you can find your polling location here.PHOTOS: Voter turnout around the nationMore information on voting rights and things you should know before you head to the polls can be found here and here.Susan Gonzalez is a digital producer and reporter for the E.W. Scripps national team. Follow her on Twitter @TheNewsan. 1580