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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 tough enough to get a student to sit still, let alone keep a mask on all day.For schools planning to return to full or partial in-person education, all students are required to wear masks. The order from Ohio Gov. Mike DeWine came based on recommendations from The Ohio Children’s Hospital Association and the American Academy of Pediatrics.Carol Gebhardt, a fourth-grade teacher at Mason Elementary School, said she wants to make sure her students are being safe.“I think that if we show them, we show our students that, you know, we can make the best of this situation, that it will hopefully roll over onto them,” she said. “I've seen a lot of funny memes about what's going to happen. But I think also if you are modeling that, wearing it at the beginning of the year and setting up that 'this is good for us. This is good for our safety. We want to wear these.’ These are a positive thing.”Dr. Josh Schazzfin, Cincinnati Children's leading expert on infection prevention and control and associate professor of infectious disease, said wearing a mask is like other learned behaviors for kids.“We're not born knowing to brush our teeth or to put on clothes or to wear shoes, how to behave,” he said. “A child will respond to incentives -- a star on a chart that leads to a reward. The child gets to choose what kind of mask or the logo on a mask. The child's obsessed with Marvel Comics, the child's obsessed with dinosaurs, put those on the mask.”Schazzfin agreed with Gebhardt, that parents and teachers should lead by example on this issue.“Number one, we lead by example, and number two, we set expectations. This is acceptable, this is not acceptable,” Schazzfin said.Schazzfin said it's not about forcing the issue but finding the best way to acclimate your child to wear a mask.Hamilton County officials are working to make sure schools have a stockpile of masks and other PPE for students and teachers.Hamilton County Emergency Management Agency partnered with the county Educational Service Center to provide masks, 350 no-touch thermometers, and 50,000 face shields to schools in the county.This story was originally reported by Pat LaFleur at WCPO. 2175

In mid-July, California’s department of transportation, known as CalTrans, was supposed to break ground on a highway construction project that was expected to take 18 days.The work was to repair and repave 800 feet of the busy 101 Freeway that connects San Francisco to the mainland, but the work never started because the project wrapped up in April, months before it was originally expected to begin."In the Bay Area, it was one of our busier years,” said CalTrans spokesman Bart Ney.The only reason contractors were able to start and complete the project months ahead of schedule was because of COVID-19.“We had to reduce traffic in normal situations by 30%, which was going to be very difficult,” said Ney. "In this case, we already had about a 40% traffic reduction because of people staying home for COVID-19.”In Colorado, something similar happened as plans to add an express lane through the main mountain corridor were able to accelerate a month.“It was over a 50% drop in traffic,” said Colorado Department of Traffic spokeswoman Presley Fowler.In April, the Federal Highway Administration says Americans drove 40% fewer miles than they did during the same time in 2019. It allowed projects in Nevada, Arizona, Wisconsin, Texas, Virginia, and Florida to all start ahead of schedule as well.The reduction in traffic didn’t only speed up work timelines, it also increased safety for workers as they could work during daylight hours that typically would have been off limits because of rush hour traffic. It also allowed states to save taxpayers millions in worker payroll.“You would quantify that impact in numbers in the tens of millions of dollars,” said Ney of the Highway 101 project.But as some states sped up their projects, others had to apply the brakes to theirs. The reduction in traffic volume hurt states in the pocket when it comes to gas tax revenue. Starting in March, states started seeing their biggest loss in gas tax revenue in decades as some had to defer billions in repair projects, saying they were short billion in funding.To help, Congress has been working on a transportation bill since road work was left out of the CARES Act, but that still has not passed.As states have reopened their economies, traffic volume has resumed to around 80% of its pre-COVID-19 levels. That will help with gas tax revenue. But at the same time, it will take some projects out of the fast lane. 2421

It's called an "atmospheric river" -- basically a river in the sky -- that could unleash catastrophic amounts of rain.And the major storm is barreling right toward the fire-scarred regions of Southern California, with a potential to trigger flash flooding, mudslides and significant debris flow.The heaviest rainfall is expected Wednesday afternoon through Thursday, and officials have already ordered mandatory evacuations in Santa Barbara, Ventura and Los Angeles counties. Up to 1.5 inches of rain have fallen in the burn scar areas since late Tuesday."That's a concern when you put in the heaviest rainfall anywhere in the United States and put it right over Southern California, directly over burn scars," CNN meteorologist Pedram Javaheri said."Some of the areas could see 6 inches of rainfall over 36 hours. That's six to eight months of rainfall in 36 hours, right over what would be a significant Thomas Fire burn scar region," he said. 963

It seems people are not letting the coronavirus pandemic damper their holiday spirit as more than 3 million travelers took to the skies the weekend before Christmas.According to The Transportation Security Administration daily tally tracker, 1,064,619 people flew on Sunday, 1,073,563 traveled on Saturday, and 1,066,747 were screened on Friday.This marks the first time since March 16 that checkpoint numbers were over 1 million on consecutive days.Despite an increase in travelers, the amount of Americans traveling before Christmas was nowhere near the amount that traveled the weekend before Christmas last year - that weekend, TSA screen 7.6 million Americans.The surge in travelers comes despite the Centers for Disease Control and Prevention advising Americans to stay home and not travel during the holiday to slow the coronavirus spread. 854

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