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Buying used clothes at thrift stores may seem like a smart way to slash your spending — and it is. You ought to get gold stars and stickers for spending on jeans instead of .But with their low prices and expansive inventories, thrift stores can tempt even a well-meaning saver to buy not only those jeans, but also: 340

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

CAMPO, Calif. (KGTV) -- Three people were taken to the hospital and two others are in custody after a Border Patrol chase led to a crash in Campo Tuesday night. According to Border Patrol, agents tried to stop a 23-year-old San Diego resident driving a blue Mazda MPV around 5:05 p.m. near Old Highway 80 and McCain Valley Road for possible immigration-related violations. The driver refused to stop, sparking the chase. During the chase, agents say the woman drove onto Shasta Way at a “high rate of speed” before driving over a dip and losing control of the vehicle. RELATED: Two dead after car, semi-truck collide in Otay MesaThe woman then crashed into a steel fence and hit a utility pole, causing the car to flip over, agents say. According to border patrol, the 23-year-old had minor injuries and was taken to the hospital. Border Patrol says four men were found in the back of the vehicle. The men are between the ages of 24 and 39 and all claim to be residents of Mexico. Two of the men were taken to the hospital for treatment while the other two were taken into custody after refusing medical aid, Border Patrol says. 1139

CAPE LOOKOUT, N.C. (AP) — The National Park Service says scientists are trying to determine the cause of death of an endangered whale calf that was found stranded on a beach on North Carolina’s Outer Banks.The young whale is considered to be “one of the rarest marine mammals” on earth, according to NPS.Biologists performed a necropsy on the North Atlantic right whale calf and took DNA samples Saturday.NPS at Cape Lookout National Seashore posted news of the whale’s death on its Facebook page.Right whales are critically endangered. The park service says only about 360 of the animals are still alive and about five or six calves are born each year. 661

Check out this update on a burglary call in Deltona. We detained a guy who was just out jogging, but who unfortunately fit the initial suspect description. Mr. Griffin is going to come out and join us during implicit bias training, and tell this story from his perspective. https://t.co/Uxt9WHjio9— Mike Chitwood (@SheriffChitwood) September 5, 2020 357