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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

It’s all hands on deck during harvest time at Infinite Harvest.This indoor, hydroponic farm in Colorado specializes in microgreens, young vegetables grown in a controlled environment and cropped shortly after they’ve sprouted.Production manager Luke Blough says microgreen sales have quadrupled in the past nine months with more consumers becoming more health, sustainability and environmentally conscious.“We kind of check all three of those boxes,” he said. “Our microgreen products are very nutrient dense; very flavorful. They’re sustainably grown locally and we have less environmental impact.”There's less environmental impact because of the way they’re grown. Stacking shelves of microgreens and growing them under LED lights means using about 95% less land than traditional farming.This method is catching on nationally.“Consumers are becoming more interested in microgreens,” said Sarah A. Johnson, Ph.D., with the food science and human nutrition department at Colorado State University. “They’re a relatively new agricultural food crop.”.In addition to the nutritional and environmental benefits, Johnson’s team found that microgreens could have major impacts in urban areas by making fresh produce more easily available to areas considered food deserts.“I think they have a lot of potential to kind of pop up all over the place,” she said. “Not just with these large companies but with smaller sort of pop-up, start-up companies as well.”As more farmers look to avoid unpredictable weather and leave less of a carbon footprint, experts predict microgreen consumption will continue growing nationwide“There are a couple of things we can do in a controlled environment that you can’t really do when you’re at the mercy of Mother Nature,” Blough said. 1768

It's one of the most frightening new scams to hit in 2018: the porn blackmail scam, or "sextortion" scam.One woman was just targeted and is sharing her story so others don't end up horrified as she was, or worse, losing hundreds of dollars.Linda Wihl is one of the kindest, most clean-living women you'll ever meet. She teaches inner-city children to read through a nonprofit group she started called "Making Sense of Language Arts."  She has a wall full or honors and awards for helping so many children.So you can imagine her surprise when she received an email accusing her of watching porn."They were asking for money to keep quiet, or said they would show pictures of me performing. you know, sex acts." Wihl said.Frightening email says it has goods on youThe email claimed a malware program installed on her laptop caught her visiting porn sites and had a picture of her watching porn taken with her laptop's camera.Her first reaction?"It was bull, for one, because it's not something I do," she said.However, the emailer knew one of her passwords, so she was worried.Wihl's biggest fear wasn't that someone saw her doing something private. It was that a hacker had gotten into her computer, where he could have accessed all sorts of personal information."You don't know who has access and who can use your computer," she said.Fortunately, the security site Krebs on Security says this is just a scam that uses a password stolen from a data breach, possibly the 2012 LinkedIn breach.Wihl didn't send money; she knew the hackers didn't really have anything with which to embarrass her. If you're not quite as saintly as she is, however, you just might fall for it -- especially if you have ever looked at X-rated material on your computer.As always, delete your browser history and don't waste your money.____________________"Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps")."Like" John Matarese on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com  2160

INDIANAPOLIS, Indiana — A new effort is underway aimed at better protecting the health of Indiana children in the classroom.A recent WRTV television station found most schools do not test for radon, a lung cancer-causing gas that comes up through the soil, even though the EPA recommends schools test at least every five years.The federal EPA estimates one in five schools has a classroom with dangerous levels of radon.State lawmakers have already vowed to take action, including looking at possible legislation requiring schools test for the radioactive material or requiring new school buildings use radon-resistant materials.Now, environmental groups are getting involved in the movement as well as the Indiana State Department of Health.Following the WRTV investigation, the Sierra Club’s Hoosier Chapter passed a resolution supporting requirements for radon testing in daycares and schools in Indiana.The Hoosier Environmental Council also supports requirements.“Yes, I think Indiana should have testing requirements for schools,” said Dr. Indra Frank, environmental health director with the Hoosier Environmental Council. “It is estimated that 1 in 3 Indiana homes has elevated levels of radon that can be unhealthy.”The EPA map shows much of Central Indiana is in a hot zone for radon, meaning the gas is widespread throughout the soil and buildings in our state.Dr. Frank emphasized radon can be in new or old buildings, including homes and schools."Radon isn't going to discriminate about which type of building it seeps into," said Frank.Improving Kids’ Environment, a group that trains Indiana schools on air quality issues, is also concerned about radon."I think with schools if you don't hold their feet to the fire, because they have so many things that they are accountable for, they just let those things go," said Margaret Frericks, Program Manager with Improving Kids’ Environment.A dozen other states have laws or regulations in place regarding radon in schools, and Frericks says it’s time for Indiana.Frericks said many people overlook radon because children often do not get lung cancer, and there’s no signs or symptoms associated with radon exposure.“It should be done,” said Frericks. “Not knowing is not an excuse."As environmental groups get ready for the upcoming legislative session, WRTV is already getting results at the Indiana State Department of Health.After our story aired, ISDH added information about radon to the indoor air quality website for schools, and they’re now in the process of developing best practices regarding radon in the classroom.“ISDH is required to review the best practices documents every three years, but we make changes and updates as needed,” said Megan Wade-Taxter, a spokeswoman for ISDH. “Ensuring that schools have the most up-to-date information on how to best protect the health of students, faculty and all those who enter their buildings is important.”Environmental groups say it’s a step in the right direction, and that we all pay down the road for people who develop radon-induced lung cancer.“Preventing an unhealthy exposure is much less expensive than trying to cure a disease once it’s arisen,” said Frank. 3212

IRVINE, Calif. (CNS) - Thousands of Irvine residents evacuated due to the Silverado Fire were returning home Wednesday morning as firefighters worked to contain the blaze, which injured two firefighters and has blackened 13,354 acres, and containment has increased from 5 to 25%, authorities said."Today, fire crews will reinforce existing controlled lines," a Cal Fire spokesman said. "With favorable weather, fire crews will find opportunities to establish more control lines."And so far, though more than 69,000 buildings were threatened by flames, none were destroyed.This follows a night of moderate fire behavior as red flag conditions -- high winds, low humidity and dry vegetation -- ended, according to the agency.According to Orange County Fire Authority's Steve Concialdi, who serves as spokesman for the Silverado Fire, residents in the following areas of Irvine were cleared to return:-- Residents south of Portola Parkway and west of the 133 Toll Road, as well as those east of the 133 Toll Road to Portola High School-- From north of Great Park Boulevard to Irvine Boulevard, including the commercial area west of Bake Parkway and south of Irvine Boulevard to Toledo Way-- South of Portola Parkway, east of the 133 Toll Road and west of AxisIrvine Boulevard between Axis and Alton Parkway remains closed, Concialdi said.The repopulation was a "testament to the hard work of all firefighters on the ground and in the air that have worked hard the past two days to protect life and property," Concialdi said, adding that no homes have been damaged or destroyed as a result of the Silverado Fire.At its height, 70,000 people were under evacuation orders in Irvine and another 9,500 evacuated in Lake Forest, according to the OCFA and Lake Forest officials. It was unclear how many residents remained evacuated.About 1,200 personnel were assigned to fight the fire, Concialdi said.At least 14 helicopters and fixed-wing aircraft battled the fire, according to OCFA Chief Brian Fennessy, who said the California Department of Forestry and Fire Protection would take command of the Silverado and Blue Ridge fires.The fire erupted at 6:47 a.m. Monday in the area of Santiago Canyon and Silverado Canyon roads in the Santa Ana Mountains.Late Monday, Southern California Edison told California officials that a lashing wire may have contacted its overhead primary conductor, sparking the fire. SCE sent a letter to the California Public Utilities Commission on Monday night acknowledging it had overhead electrical facilities in the area where the blaze broke out.Five firefighters have been injured in the Silverado blaze, Fennessy said. Two are in critical condition and the three others have been treated for minor injuries at local hospitals and released, the fire chief said.Those wishing to donate to the injured firefighters can contribute to the OCPFA Fallen Firefighters Relief Fund at http://www.ocfirefighters.org/.Officials have been told the next 24 to 48 hours will be critical in their recovery. They are 26 and 31 years old. Both sustained second- and third-degree burns about 12:15 p.m. Monday, one over 65% of the body and the other over half the body, Fennessy said.Both firefighters were intubated at OC Global Medical Center in Santa Ana, he said.Orange County Sheriff Don Barnes warned "looky loos" to stay out of the area because they can clog up roads needed for first responders to quickly respond to emergencies.The sheriff also said unscrupulous con artists are using the fires to trick residents into thinking they're donating to a good cause, but Barnes said police and fire agencies will never call for donations, so people should hang up on anyone purporting to represent police and fire seeking donations.Evacuation orders have been issued for the Jackson Ranch and Williams Canyon area, the OCFA said. Silverado and Trabuco Canyons along Live Oak Canyon were under evacuation warnings, a spokesperson for the agency said.The OCFA also announced an evacuation warning Tuesday morning for Mission Viejo in the areas of El Toro Road to the north, Marguerite Parkway to the west, Upper Oso Reservoir to the east, and Los Alisos Boulevard to the south. With 554 homes in Mission Viejo under an evacuation warning, the city has opened up the Norman P. Murray Community and Senior Center as a shelter, officials said.Later Tuesday, a mandatory evacuation order was issued for residents of Modjeska Canyon.Temporary evacuation points in the county were at the Brea Community Center, 695 Madison Way; Santiago Canyon College, 8045 E. Chapman Ave.; Woodbridge High School, 2 Meadowbrook, Irvine; Norman P. Murray Community Center, 24932 Veterans Way, Mission Viejo; El Toro High School, 25255 Toledo Way, Lake Forest; and Thomas Lasorda Jr. Field House, 4701 Casa Loma, Yorba Linda.The Brea Community Center, El Toro High School and Lasorda Field House were open around the clock while the others were open until 9 p.m.The Santa Ana Zoo was sheltering about 150 animals from the Orange County Zoo in Irvine Regional Park that were moved out because of both wildfires.Irvine Mayor Christina Shea said the city opened eight facilities to shelter evacuated residents and several quickly filled up.Irvine Police Department Chief Mike Hamel said city officials were working with the American Red Cross to provide overnight shelter for residents with no place to go. The city's animal shelter was open to house pets.According to the city of Irvine, evacuation centers were established at:-- University High School: 4771 Campus Drive-- Woodbridge High School: 2 Meadowbrook-- Las Lomas Community Center: 10 Federation Way-- Turtle Rock Community Center: 1 Sunnyhill-- University Community Center: 1 Beech Tree Lane-- Quail Hill Community Center: 35 Shady Canyon Drive-- Los Olivos Community Center: 101 Alfonso-- Harvard Community Center: 14701 Harvard-- Rancho Senior Center: 3 Ethel Coplen WayAll schools in the Irvine Unified School District are closed Wednesday.Tustin Unified schools will operate on a normal schedule, except for special education classes, which will be conducted online, the district said.Road closures as of Tuesday included the 133 Toll road northbound between the Santa Ana (5) Freeway and 241 Toll Road, and southbound between the 241 and the Santa Ana Freeway. The 241 Toll Road is closed northbound from Oso Parkway to the Riverside (91) Freeway and southbound between the 91 and Lake Forest Drive.The 261 Toll Road was closed northbound between Irvine Boulevard and the 241 and Santiago Canyon Road and southbound between the 241 and Santiago Canyon Road and Irvine Boulevard.The Orange County Health Care Agency urged residents in affected areas to stay indoors, limit outdoor activity, keep windows and doors closed and run air conditioners to filter the air. 6821

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