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Everyone needs a rainy-day fund — your financial health depends on it. Your employer could help you build one.Many companies offer 401(k)s and other retirement plans, but until recently few had programs to promote short-term savings. That’s starting to change, as employers experiment with matching funds, payroll deductions and other methods to encourage workers to build 385

Ditching the alcohol without ditching the taste sounds impossible, but more brewers are getting on board with non-alcoholic beer.Miller Coors is one of the most recognizable beer companies that are changing things up. They just launched their non-alcoholic beer, Coors Edge."We are a beer company and we are going to be a beer company for the future but we are trying to meet our consumers’ changing tastes,” said Matt Hargarten with Coors.Non-alcoholic beer is nothing new, but liquor store owner Mark Crowder remembers the old version."It used to taste like sugar sweetness trying to turn itself into alcohol,” said Crowder. “It was horrible."Companies are now stepping up the flavor game, like Heineken, Clausthaler and Brew Dog, along with smaller breweries.Non-alcoholic beer begins its life as alcoholic beer. Hargarten says taking alcohol out of beer is extremely technical and expensive.For some people, they think non-alcoholic beer is pointless, but others feel it’s healthier. Non-alcoholic beer has less calories and carbs. Some have as low as 26 calories per can or bottle.But, is it really healthier? We spoke with a dietitian who says it’s healthier for people watching their weight. But, if you like drinking the real deal, she says if women only have one a day and men only have two beers a day, that’s healthy too. "The non-alcoholic trend is growing in the United States,” said Hargarten. “In the last year, it grew 8%."It’s safe to say this trend is not going away anytime soon. 1510

COLORADO — Riders on rentable scooters getting them from Point A to Point B around cities in America may not be thinking about something big: The germs.When our reporters talked to folks riding on them, they guessed the handles could be pretty germ-ridden.Our reporters looked at public bikes, too, and did some swab tests, which were taken to a lab. The goal was to find out what bacteria may be found on the scooters.The team tested for stapholococous, E. coli, general bacteria levels, yeast and mold.The results were surprising.“My initial action was surprise,” said Microbiologist Helene Ver Ecke, of Metro State University. She knows all about bacteria."Some were a lot cleaner and some were a lot dirtier,” Ver Ecke said of the tests.One group of scooters had:? 700 bacteria colonies? No E. coli or strep? Lower levels of mold and yeast where presentAnother group showed:? 12,000 bacteria colonies (highest in all of our tests)? Nothing else presentFor perspective, a person’s hand, on average, has about 3,200 bacteria on it."So you are really the walking contaminant and that's why these scooters are being contaminated because people are gripping them with their hands and potentially sweating on them and just.. It's the humans that are dirty,” Ver Ecke said.One group of public bikes showed 3,500 bacteria colonies but were the worst offenders of yeast and mold: 900 colonies.The other tested positive for 5,500 bacteria colonies and had a middle-range number for yeast and mold. "You have normal yeasts and molds on our hands we ingest yeast and mold, that's what makes us bread and beer and all kinds of things. So not all fungus are bad,” Ver Ecke said.The tests make the germ issue seem pretty bad, but there is bacteria everywhere, and it’s not all bad, she said.People were surprised there wasn’t more bacteria.Ver Ecke said it’s because there isn’t food present, which would provide moisture for bacteria to feed on. The bacteria is probably going away pretty quickly, she said."The variation that we've seen may be indicative of how long a time period it was since the last person rode it,” Ver Ecke said.Cleaning it off may be a waste of time, she said. "You can't actually make it sterile. So that's kind of a futile goal." 2262

Facebook announced Wednesday it is imposing stricter disclosure and transparency standards on political ads in the United States after, the social networking platform said, it caught some advertisers trying to game the system by misleading users about who was funding the ads.But the tighter rules still leave some holes that could be easily exploited.Under the new system there are two ways for groups or individuals to verify their identity: A stricter method under which advertisers Facebook has verified will receive a special "Confirmed Organization" label on their ads, and a second method indicating less confidence in the advertiser's identity.To obtain a "Confirmed Organization" label, advertisers will need to provide a US address, phone number, business email, business website and one of the following: a tax-registered organization identification number, a government website domain that matches an email ending in .gov or .mil, or a Federal Election Commission identification number.Advertisers who don't have or don't want to submit such credentials will be able to alternatively submit some basic information about their organization like addresses, emails and website, or rely solely on the page administrator's legal name, though the organization will be ineligible to use a registered organization name in their disclaimers or to receive a "Confirmed Organization" label.The new policies are aimed at curbing political advertisers' attempts to mask their identities or impersonate others. In some cases, Facebook told CNN Business, it saw advertisers identifying themselves merely as "concerned citizen" instead of using their organization's name or registered ID.Last year, Vice News 1717

CINCINNATI — When Irina Chamberlain went online to pay her student loans, she was surprised to learn that she's dead.Chamberlain — who moves, talks and isn't decomposing — said she was declared dead by the Social Security Administration in early December. Since then, she's had trouble accessing her bank accounts and making payments. "With my busy life, I'm always running, doing something," she said. "I actually thought, 'Maybe I actually died and did not realize that.' I reached for my dog and I was like, 'Can I touch them? Am I still alive, or what's going on?'"The mistake led Chamberlain to call the Social Security office, which she said had her on hold for an hour. "She said, 'Well, what's more important — to lose money or prove that you're alive?' I said both are important, but who pays me for losing a day of work," Chamberlain said.Since Chamberlain was declared dead, she hasn't been able to make deposits or withdrawls, or pay any bills. The process of being declared alive is also taking a lot of her time."I don't have time to prove that I'm alive," she said. "Somebody's mistake should exist like that, you can't [make a] mistake like that, claim somebody dead and don't even check maybe this person is alive."It could take months to get sorted out, according to Deborah Wagner, a senior attorney with Legal Aid."A lot of times it happens if your spouse dies and you have a joint bank account," Wagner said. "They report it, and for some reason the names get confused and it gets reported on both Social Security numbers."Chamberlain said the only death in her family was her father-in-law back in October."He's a male, completely different life and Social Security number, but same last name," Chamberlain said. "But everybody else in my family is alive, except me."Chamberlain is one of thousands of people this happens to each year. About 2.8 million deaths are reported to the Social Security Administration each year. A spokesperson said less than a third of a percent are corrected.In a statement, the Social Security Administration said it "recognizes erroneous death cases are very sensitive because of financial hardship and distress," and that it works to correct cases like this immediately.Wagner said Legal Aid gets about two of these cases a year."You have nothing," she said. "They've frozen your bank accounts, you can't use credit cards."It used to happen even more often, according to Mike Walters. He used to work as a claims representative with Social Security, and is now Pro Seniors."It used to be that Social Security would take phone calls and take somebody's benefits based on a phone call from a family member who said, 'My mother passed away,'" Walters said.Now, there are more checks and balances in place to avoid something like Chamberlain's situation."There were serious problems with resurrecting somebody on the computer system if they got terminated," Walters said.But why does something like this happen in the first place? Walters said the error could have had to do with the fact that Medicare used to have Social Security numbers on Medicare cards. "The Medicare number would be that spouse's Social Security number followed by a letter," he said. "Hospitals would report death in a patient, and maybe left off that letter at the end of the claim number."There are a lot of reasons why it could've happened. According to the Social Security Administration, deaths are reported to them from states, family members, funeral homes and financial institutions. 3527