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Can you cover an unexpected 0 expense?Four in ten Americans can't, according to a new report from the Federal Reserve Board. Those who don't have the cash on hand say they'd have to cover it by borrowing or selling something.The bright side? That's an improvement from half of adults being unable to cover such an expense in 2013. The number has been ticking down each year since.Overall, the financial situation of American households has improved during the past five years, according to the Economic Well-Being of U.S. Households report. It shows that in 2017, 74% of adults reported feeling at least "okay" financially, an increase of 10 percentage points from the first survey four years earlier."This year's survey finds that rising levels of employment are translating into improved financial conditions for many but not all Americans," Federal Reserve Board Governor Lael Brainard said in a press release, "with one-third now reporting they are living comfortably and another 40% reporting they are doing okay financially."Still, many are struggling. Notable differences remain across race, ethnicity, education levels and geography. The report shows hardship continues for people working to repay college loans, cover emergency expenses and manage retirement savings.For the first time the report also looked at the opioid epidemic, reporting that one out of five adults personally knows someone with an addiction to painkillers. Exposure does not vary much by education level or by local economic conditions.The study was drawn from the Board's fifth annual Survey of Household Economics and Decisionmaking, which looks at the economic health of Americans. The survey of 12,000 people examined their income, employment, unexpected expenses, banking and credit, housing, education, and retirement planning in November and December 2017.While showing that Americans' financial lives are moving in a positive direction, the report does raise some concerns about their most basic levels of financial stability: emergency funds and retirement."The finding that four-in-ten adults couldn't cover an unexpected 0 expense without selling something or borrowing money is troubling," said Greg McBride, chief financial analyst at Bankrate.com. "Nothing is more fundamental to achieving financial stability than having savings that can be drawn upon when the unexpected occurs."McBride suggests setting up automatic direct deposits from a paycheck to a savings account that can build some much-needed financial cushion.He's also concerned about another finding in the report: fewer than 40% of adults think their retirement savings are on track."The burden is on us as individuals to save for our retirement," he says. "Take control of your financial destiny by contributing to an employer-sponsored retirement plan such as a 401(k) via payroll deduction, or arrange automatic monthly transfers from your bank account into an IRA."More concerning are the 25% of Americans with no retirement savings whatsoever, according to the report.Some of this may be due to the lack of employer-sponsored retirement plans, as well as people piecing together several part-time jobs, which may not offer benefits.The report found that while most workers are satisfied with the wages and benefits from their current job and are optimistic about their future job opportunities, challenges remain, particularly with irregular job schedules. 3451

CARLSBAD, Calif. (KGTV) — A German father and son had the summer vacation of a lifetime spanning seven countries, eight cities, and eight theme parks.Better yet, they pulled off the feat in a mere 13 days.Dieter Deussen and his five-year-old son, Julian, finished the last leg of their journey to visit all Legoland theme parks in the world Tuesday. Deussen began the trek wanting to give his son a special experience before he starts school for the first time in September, according to Legoland.RELATED: Legoland offers guests free admission on their birthday in 2019His son being a big Lego fan, Deussen suggested the global tour.The trip took the father eight months of planning, hours he said he would never trade. “100 percent it was worth it. To see Julian smile so much at every park and interact with children from around the world, regardless of the language difference, was amazing for me to see. I would absolutely do it again," Deussen said.In less than two weeks, the duo completed a world tour of all eight of the theme parks:June 27 – LEGOLAND Windsor June 28 – LEGOLAND BillundJune 30 – LEGOLAND DeutschlandJuly 1 – LEGOLAND DubaiJuly 3 – LEGOLAND MalaysiaJuly 5 – LEGOLAND JapanJuly 7 – LEGOLAND CaliforniaJuly 8-9 – LEGOLAND FloridaIn Carlsbad, the father and son began their stay at the Legoland Castle Hotel, before exploring Miniland U.S.A, the deep sea on the Lego City Deep Sea Adventure Submarine ride, and meeting a throng of Lego characters.And, of course, playing with a bunch of Legos.RELATED: Recreation Destination: San Diego ranks at top of U.S. citiesLegoland says the pair's journey isn't quite complete though. At the end of their trip, the park surprised the world travelers with complimentary tickets to Legoland New York Resort, set to open next year. 1802

Calls are growing to defund the police. For some advocates, that means divesting from law enforcement in favor of supporting communities. Others want to dissolve departments entirely. Both ideas center on reimagining policing as we know it.“I definitely think there are partnerships to be made and there's opportunity to be had, but that reimagining really first comes with having the resources to dream,” said Isaac Bryan, Executive Director of the UCLA Black Policy Project. “Right now, we don't have that because over half of our budgets, the discretionary funds go to law enforcement and policing.”Bryan says he'd like to see more discussions about restorative or transformative justice and alternatives to incarceration.Bryan says Minneapolis has opened the door for these conversations. The city council there is actively working to disband police, despite pushback from the mayor.An advocacy organization gives us a better idea of what that might look like.MPD150 says first responders should be mental health providers, social workers and other community members. It argues law and order would be better served through education and services that low-income communities typically lack.That's something Bryan agrees with, pointing to the high arrest rates of those experiencing homelessness in Los Angeles.“We're using our resources the wrong way and that's a clear-cut example that I think folks in this city and in large municipalities can think critically about,” said Bryan. “What if we used that money to build housing, or to feed folks, or to provide other pathways to opportunity.”Former vice president and current Democratic presidential nominee Joe Biden says we don't need to cut funding but increase it. His campaign argues more spending is necessary to help improve law enforcement and community policing. 1832

CALEXICO, Calif. (KGTV) — Supporters and opponents of President Donald Trump gathered at the U.S.-Mexico border in Calexico Friday, ahead of the President's tour of a section of border barrier.Before the President touched down, opponents inflated a large "Baby Trump" balloon, which has become a symbol of the President's protesters around the country, outside the Gran Plaza Outlets in Calexico.Just a few miles away, supporters donning "Make American Great Again" hats and Trump flags gathered to welcome the President to town. The President's backers added they want to see immigration reform come from the visit to the border town.RELATED: President Trump to visit Southern California, tour US-Mexico border in CalexicoBoth groups are hopeful President Trump flies over to see their demonstrations.Trump is expected to tour a section of 30-foot high, 2.5-mile long steel replacement wall recently installed. 920

Chad Daybell, the husband of a woman whose children have been missing since September, appeared in court on Wednesday after two sets of human remains were found on his property.During Wednesday's court appearance, prosecutor Rob Wood said the remains were those of 7-year-old Joshua "JJ" Vallow and 17-year-old Tylee Ryan, both of whom have been missing since September.Kay Woodcock, JJ's grandmother, also confirmed to East Idaho News that one set of the remains are those of her grandson's.Police have not yet publicly confirmed the identity of the remains.Daybell faces two counts of evidence destruction, alteration or concealment. His bail was set at million. Should Daybell make bail, he will be required to stay in certain parts of Idaho and will wear an ankle monitor. He also cannot have contact with the families of the victims. Daybell was arrested Tuesday shortly after police served a search warrant on his home in Idaho. Two criminal complaints allege Daybell willfully concealed or aided and abetted in the willful concealment of human remains, "knowing that said human remains were about to be produced, used and/or discovered as evidence in a felony proceeding, inquiry and/or investigation authorized by law, with the intent to prevent it from being so produced, used and/or discovered."Daybell is married to Lori Vallow, the mother of JJ and Tylee. She was arrested in Hawaii in connection with her children's disappearance on Feb. 20 and was extradited back to Idaho. She remained jailed despite several attempts to lower her bond.JJ and Tylee went missing in September, shortly after Daybell and Vallow married. Daybell's former wife, Tammy, died of what was believed to be natural causes shortly before Daybell and Vallow married. Vallow's former husband also died under suspicious circumstances in 2019.This story was originally published by KIVI in Bosie, Idaho. 1897