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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 (CNS) -- A state appellate court panel reversed the molestation conviction Friday for a former Carlsbad military boarding school administrator who was tried twice on allegations that he molested a cadet at the Army and Navy Academy.Jeffrey Barton, 62, was convicted in 2017 of five felony counts of forcible oral copulation and one felony count of forcible sodomy for allegedly molesting a cadet beginning in 1999, when the alleged victim was 14 years old.Barton was sentenced to 48 years in state prison for the conviction.A three-justice panel from the Fourth District Court of Appeal agreed with Barton's contentions that the trial judge should not have dismissed one of the jurors during the trial.The panel ruled Friday that Barton's trial may very well have concluded differently had the juror not been excused, allegedly for refusing to deliberate with her fellow panelists.The justices wrote in their ruling that the other jurors appeared to disagree with Juror No. 12, but did not provide enough of a showing that she was actively stalling deliberations.The ruling indicates the juror did not appear to find the alleged victim credible."The trial court's error in discharging Juror No. 12 warrants reversal," the panel wrote. "She was the lone holdout juror who consistently held to her belief Barton was not guilty and, had she remained on the jury, it is reasonably probable the case would have ended in a mistrial, a more favorable result for Barton than conviction."The panel wrote that Barton was convicted "within hours" of the juror being discharged.The convictions came in Barton's second trial.In his first trial, almost two years before , a different jury deadlocked on the charges involving the alleged victim.Two other former Army and Navy Academy students testified in the first trial that they were molested by Barton, but the defendant was acquitted on those charges. 1908

CARLSBAD, Calif. (CNS) - The city of Carlsbad announced Thursday it was temporarily suspending its collection fees for sidewalk cafes, outdoor displays and curbside cafe permits to help businesses during the COVID-19 pandemic.This suspension of permit fees also means reimbursement of around ,000 to businesses that paid for these types of permits since March 1 of this year. Fee reimbursement and the revenue offset from the suspension of fee collection will be funded from the Economic Recovery and Revitalization Initiative funds. Of those funds, 5,000 remains for contingency or future city council actions.When the pandemic's public health orders required the closure of indoor operations, Carlsbad relaxed development standards to allow businesses to use these permits to quickly activate outdoor spaces on public sidewalks. Some businesses were also granted no-cost permits allowing them to use private property such as their parking lots, to add to their existing outdoor areas.On July 28, the City Council also relaxed standards for curbside cafes, allowing restaurants to use up to four street parking stalls to expand outdoor dining.The permits normally cost a one-time payment of 1 and ,200 per parking stall per year. These fees are now temporarily suspended until February 28, 2021, or for the duration of the local COVID-19 pandemic emergency, whichever is later.More than 70 businesses have been permitted, including restaurants, fitness classes, hair and nail salons, spas and churches, allowing them to temporarily move their operations outdoors onto private property, public sidewalks and on-street public parking spaces so that they can comply with public health guidelines.According to a statement from the city, even with the county now allowing indoor dining, retail shopping or fitness classes, capacity has been reduced by 50% to 90%, depending on the type of business. Outdoor operations are permitted through the duration of the health emergency. 1991

CARMEL, Ind. — Hundreds of people from all different faiths gathered at a Carmel synagogue to show their love for the Jewish community after someone left hateful anti-Semitic graffiti on one of their buildings. The ground was burned and swastikas and iron crosses were painted on a shed and garbage bins at Congregation Shaarey Tefilla on Saturday. RELATED: Anti-Semitic graffiti found at Carmel synagogueRabbi Benjamin Sendrow says the graffiti may have been left to evoke fear, but as Monday night's gathering showed, it's had the opposite effect on their community. "(It) triggered an outpouring of love and support that wipes away their action better than bleach and fresh paint," Sendrow said. "All they have done is awaken the sleeping giant of love and acceptance and mutual respect."But in the midst of love, those hateful messages also serve as a reminder that Indiana is one of only five states that doesn't have a hate crime law — something Indiana Gov. Eric Holcomb and several other lawmakers vowed to fix in the upcoming legislative session. Lindsey Mintz, Executive Director of the Indianapolis Jewish Community Relations Council, says passing that law is more important now than ever, to "send a message.""The state of Indiana from policy leaders on down will not stand for acts of hate based on bias," Mintz said.Synagogue leadership says the graffiti will not be cleaned off right away so it can be preserved as evidence as Carmel police continue to investigate and follow all leads to find out who is responsible.   1602

CAMERON PARISH, La. – Hurricane Laura made landfall along the Louisiana coast, specifically near the community of Cameron. Not much information has come out from there, in part because several of the roads that lead down there remain flooded. Highway 27, one of the main roads in and out of the communities of Creole and Cameron, is covered in water.A deputy with the sheriff’s office said they had not been able to return to their station in Cameron. They left Wednesday before the storm.The roads are barely passable there – in order to get to an elevated bridge on 27, drivers need to use a gravel shoulder between the main road and the waterway that runs next to it. About 12 miles from the shore, the road begins to flood.It can be a little deceiving here in coastal Louisiana because the coast is made up of bayous and marshes.Some people have taken it upon themselves to bring their personal boats in an attempt to get to some of those communities along the coast.The sheriff’s office said some people did ride out Hurricane Laura in some of those coastal communities, but communications have been spotty at best. As for the roads, the water will need to recede, before the recovery there can truly begin. 1220