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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

Can you trust the polls? It is a question on the minds of plenty of voters ahead of Election Day. 2016 CREDIBILITY ISSUE A major reason some voters are skeptical of the polls is because of 2016. The day before the election in 2016, Real Clear Politics Polling Average, had Hillary Clinton up +6.5% in Wisconsin. President Donald Trump went on to win Wisconsin by around 0.7%. A similar story unfolded in Michigan.EXPERTS WEIGH IN "Polling gives us a window into who we are as a people," Patrick Murray of the Monmouth Polling Institute said. “I think it really lets the public in on the secret of what the campaigns know," Lee Miringoff of the Marist College Poll said. Both pollsters are ranked as some of the most respected in the country. Both defend the polling process but acknowledge mistakes were made by some in 2016. "The problem that we had in 2016 was not that polling was any more inaccurate than it had been in the past. It was just that the inaccuracies happened to be in one particular direction," Murray said. What pollsters now know is then-candidate Donald Trump persuaded white voters to break with long-held, predictable voting habits and vote for him. Polling samples that once represented the population at-large, no longer did. "The media looked at that and portrayed what we were showing there as being more precise of a prediction than it could ever be," Murray said. These pollsters do not believe a "Silent Trump Voter" exists -- that is someone who is reluctant to tell a pollster they support Trump. “The so-called secret Trump voter doesn’t exist in terms of polling and the idea that polling is missing certain voters," Murray said. "Here you have a president now for 3 1/2 years, almost four years, as president of the United States, so people aren't going to feel a great reluctance to speak to their feelings on that topic," Lee Miringoff said. WHAT SHOULD YOU BELIEVE?Both pollsters agree that taking a range of polls and not any one in particular may be the best way to approach polling. “So the polls, you know, can be trusted not to sway you necessarily but to inform," Lee Miringoff said. "I think the idea behind averages is a good one. Because there always is going to be a range of result," Murray said. 2254

CARLSBAD, Calif. (KGTV) - A video of kids from around the country giving thanks to emergency workers during coronavirus has gone viral in a way that its creator never imagined."I really think that when given the opportunity, the kids stepped up to the plate," says Sarah Hunter, a teacher at Sage Creek High School.She saw other people posting pictures of their kids with signs of gratitude and thought her kids could do something similar. It was a way to inject some creative activity into their days at home.RELATED: Teacher takes story time online in midst of coronavirus pandemic"They were all in," she says. "My three drew little pictures. They sat down and recorded what they had drawn and gave their little messages."Before posting that, she asked friends and family on Facebook to do the same with their kids. People from all over the country responded quickly."I think I posted it like 9 am, and by noon I got a bunch of people sending me videos," Hunter says.RELATED: Girl Scouts move cookie sales, donations to responders onlineShe edited it together and was proud to see how the kids found innovative ways to give thanks. In just a few days, the video has more than 300 views."It's such a testament that the kids are all right," she says. "They get it. They understand. It's a lot for them to wrap their heads around this whole COVID-19 situation, but they understand that there are people out there working hard to keep us safe and to keep us fed."In just a few days, Hunter hopes the kids can be an inspiration to others during the pandemic.RELATED: Teachers use technology to bring the classroom online during stay home order"This is bigger than us. It's about taking care of each other. It's about reaching out and staying connected and ultimately saying thank you," says Hunter. "If we can't express gratitude and just take a moment out of our day to say thank you, then what do we have?"See the full video below: 1938

CARLSBAD, Calif. (KGTV) — Legoland California's massive "Star Wars" section of the park's Miniland area will depart for a galaxy far, far away next year.The park said the area will make way for something new eventually, but is tight-lipped on what guests can expect to take the attraction's place. Guests have until Jan. 6, 2020 to visit the themed display."We’re always creating new adventures for our guests and excited to bring new experiences in the upcoming years. We haven’t announced yet what will take the place of LEGO Star Wars Miniland but know it’s been a popular area which is why we wanted to give our guests a heads up to come visit before it’s gone," a park spokesperson said.RELATED: German father and son visit every Legoland park in the world in 13 daysKids and adults have visited Legoland's "Star Wars" Miniland for almost a decade now. More than 1.5 million Lego bricks make up seven scenes from the franchise's first six films, including displays of the Millennium Falcon on Tatooine, a battle on the frozen planet Hoth, and an imposing Death Star surrounded by X-Wings and TIE Fighters.The area's last major addition came in 2017 with the opening of "Star Wars: The Force Awakens" in 2017. A 16-foot-long Star Destroyer Finalizer made of more than 350,000 Lego bricks was installed as the Miniland's longest Lego model ever created.The park did not say what would happen to the gigantic models displayed throughout the land or what prompted the decision to close the area.RELATED: Groundbreaking held for SeaWorld's Sesame Place San Diego theme park in Chula VistaBut the closing comes as Star Wars takes a larger place in the Disney realm, with the opening of "Star Wars: Galaxy's Edge" at Disneyland and Disney World this past year.Legoland is busy developing its latest expansion as well. The "Lego Movie World" will be Legoland's largest addition to date, bringing characters from "The Lego Movie" to the park with new rides and attractions, and character meet-and-greets. The new land is scheduled to open in 2020. 2051

CARMEL VALLEY (KGTV) - Schools are urging parents to learn more about the hit Netflix show '13 Reasons Why' so they can have a conversation with their kids.The first season of the show came out in March of 2017, and immediately after searches on Google relating to suicide skyrocketed.Particularly, "how to commit suicide" up?26%, "suicide prevention" rose 23% and "suicide hotline number" was up 21% according to a research paper published in JAMA International Medicine and CNN.At Carmel Valley Middle School, they faced that very serious issue personally. Three 7th graders, Madison, Lauren and Ximena saw their friend, who moved to LA, posting her pain on social media. She was cutting."She was posting a lot of videos on social media holding up an exact-o-knife and talking about all this," Madison said."I found out first and texted both of them and said we have to do something about it," Ximena said it was on her Snapchat story.Madison said they were taught in P.E. that this kind of act is a plea for help. They went to their counselor, Karen Infantino who went the extra step, reaching out to a counselor at the friend's new school, ensuring she got the help she needed."And was able to reach out and make sure that she was in a good place but it’s also really important for me to make sure that any student that comes to me feels listened to and acknowledged," Infantino said.The sentiment of being heard could've changed the entire plot of '13 Reasons Why.'The main character of the dramatic series reveals the reasons she committed suicide. A topic school principal Cara Dolnik doesn't take lightly."Subjects of the show are sexual assault and there’s a part about rape and bullying and suicide, it’s very heavy so it’s really important that they do watch this if their kids are interested in it it actually is an avenue for them to have these conversations," she said.The series rolls out May 18th, and Carmel Valley Middle proactively sent out a letter to educate parents."Parents should have conversations with their kids about everything and that’s not always easy so you have to find a way in to have that conversation," she said.A conversation these three girls already had with their parents, "It’s just really scary because nothing like that has ever happened before," Lauren said.All of them thankful and relieved they could help their friend, and hopeful to help others by sharing their message.If you or someone you know has had suicidal thoughts, please contact the crisis line at 888-724-7240. 2573

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