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It doesn’t take much to upend many Americans’ finances. A car that won’t start, a furnace that dies or a trip to the hospital can leave households struggling to make ends meet.According to the Federal Reserve, 44% of U.S. adults say they would have trouble coming up with 0 to cover an unexpected expense. Even families who have more in the bank can flounder. Surveys by The Pew Charitable Trusts found that 51% of families with at least ,000 in savings reported trouble paying the bills after a financial shock.Yet it is hardly a shock if an appliance wears out or a car breaks down.It’s time to rethink what we mean by unexpected expenses. Some bills may be unpredictable in their amount or their timing, but they’re still inevitable. In other words: If you have a car, or a home, or a body, sooner or later it’s going to cost you.A better approach, especially for households currently living paycheck to paycheck, is to save for the most likely costs and have some kind of Plan B to handle the truly unexpected.Here’s how that might work with three of the most common unexpected expenses Pew found: 1119

In the midst of an economic downtown, small businesses had to figure out how to stay afloat. The website fundBLACKfounders launched earlier this year, and is providing a platform to help small businesses that are in need, or are looking to launch.“We offer a boutique movie-going entertainment experience,” Kendra Tucker explained. She helps run Next Act Entertainment. The idea for the Maryland business started in 2018, in part with co-owner Anthony Fykes.“2019 we opened up the theater. We took up a 1938 Art Deco theater right outside of Baltimore,” Fykes explained. “And we basically renovated it.”Then COVID-19 hit, forcing businesses like movie theaters to close temporarily.“During this time we knew that we just needed to survive as most small businesses do, and we had a lot of guests that were asking us about, How can we support you?'” Fykes said.For some businesses, closures weren’t temporary. A study out of Stanford University showed the drop in business owners from February to April 2020 was the largest on record, and black-owned businesses saw a 41 percent drop.So Fykes looked for help. “I basically just did a Google search and I found Renee, and the platform looked legit,” he said.He had come across fundBLACKfounders, a crowdfunding platform.“We were super nervous at first around even doing something like this. We were like, how are we going to be perceived, are our guests going to think we’re going belly up?,” Fykes said.“What I noticed with crowdfunding is that not a lot of African Americans were using it for ownership or for building businesses or startups,” Renee King said. She started fundBLACKfounders. She said anyone can start a campaign on the platform -- but unlike other crowdfunding sites, fundBLACKfounders coaches businesses through the process, and gives founders flexibility. The platform takes five percent commission on funds earned.“They can raise or lower their goal amount,” King explained. “As the money starts to come in and our merchant account clears it, the money goes straight to the founder.”“Starting in the end of January 2020 through now, we’ve raised over ,000…for 12 black entrepreneurs,” she said.For Next Act, the platform provided a way for the community to help.“It’s success is really built on the strength of the community that supports it, and fundBLACKfounders, it matches the type of strength and support that we get from our community,” Tucker said.For other companies like Saraa Green’s startup, the platform gives her a way to get an idea going. “We initially wanted to raise capital for our business to bring our tool out into the market,” she said.Her product is called The Braid Releaser. “My mom had to take out our braids and take down our braids and that would take hours, and the tools that she was currently using really wasn't doing its job,” Green explained. “She wanted to create a tool that would decrease the time in taking down braids, that is comfortable to use, and that essentially reduces the hair loss during the process.”That’s when she met Renee King. “I did not want my mother's dream to just come to an end because of this pandemic,” Green said.Nearly eight in 10 small businesses are now fully or partially open as of June, according to a poll by the U.S. Chamber of Commerce.“What's good is this is actually helping us think through how do we flex into the entertainment part of our business,” Tucker said. Next Act has expanded to become a broader entertainment space, and is even being used for private events to help stay in business.As fundBLACKfounders grows, King wants the platform to help connect businesses to their communities.“We need to start helping black entrepreneurs a little bit more, and getting them more funding so that they can scale the solutions they need for their communities or they need for the world in general,” King said. 3864

Is the Oprah Winfrey halo starting to fade from Weight Watchers?Weight Watchers shares fell nearly 15 percent Tuesday after the company reported a decline in subscribers between the first and second quarters.But the market may be overreacting to a calendar problem.For the past few years, Weight Watchers has reported a similar dip in subscribers during that period. The rolls grow again as the year progresses, which makes sense.People are often gung-ho about exercising, eating better and losing weight right after the winter holidays. But New Year's resolutions can be hard to maintain in the spring and summer.Even though some subscribers drop out in the first few months of the year, total subscribers are actually way up since Winfrey joined. The base grew 28 percent from a year ago to 4.5 million.In the third quarter of 2015, the company had fewer than 2.6 million subscribers.Despite the big drop in the stock Tuesday, the company's latest profits actually topped forecasts, and it raised its outlook.Shares in the company are up nearly 80 percent this year and have skyrocketed more than 1,000 percent since Winfrey first invested about million.Weight Watchers has done an extraordinary job over the past few years of making the company's programs more exciting for a broader base of people, particularly since Mindy Grossman — formerly of HSN — took over as CEO last year.The new Weight Watchers Freestyle program lets you eat a wider variety of food. Weight Watchers has also partnered with meditation company Headspace to provide exclusive content on the Weight Watchers app to its subscribers.It's all about wellness, not necessarily how many pounds you've lost.Grossman said during an earnings call with analysts Monday evening that beginning next January, no artificial ingredients will appear in any Weight Watchers-branded products. And she quoted Winfrey, who said at a Weight Watchers event in February that "healthy is the new skinny."In addition to Winfrey, who is also a board member and the company's third largest investor with a 5 percent stake worth about 0 million, Weight Watchers has brought on actor Kevin Smith, music star DJ Khaled and celebrity chef Eric Greenspan as "ambassadors" for the company.So there is no issues with Oprah's halo. Weight Watchers still looks pretty healthy. 2337

In dev I was very open about my intention to put queer kids in the main cast. I'm a horrible liar so sneaking it in would've been hard haha. When we were greenlit I was told by certain Disney leadership that I could NOT represent any form of bi or gay relationship on the Channel.— Dana Terrace (@DanaTerrace) August 9, 2020 332

INDIANAPOLIS -- Former Roncalli High School students say the controversy brewing after a guidance counselor says she was asked to resign over her same-sex marriage sheds light on a culture of intolerance at the Indianapolis school that has been going on for years. In 2012 after two students took their own lives, classmates say they formed an after-school group called "Rebels 4 Acceptance." Some of them were dealing with bullying issues, some with mental health issues and others issues involving their LGBT status. "It definitely would not have been safe for one of my classmates to come out, not entirely anyway," said Andria McHugh, class of 2013. "They may have been fearful if they did. Just of judgment."The group's founding members say it was meant to be a safe place for all students to find acceptance. The group met every few weeks to talk about what they were going through and how they could make school more inclusive for everybody. But after less than a year, the group says their club was shut down by school administrators. "They had seen it as encouraging homosexual behavior,' said Kendall Wood, class of 2014. Counselor Shelly Fitzgerald has been placed on administrative leave after she says someone sought out her marriage certificate showing she was married to another woman and gave it to the school. In a statement released Monday, Roncalli has said the expectations and teachings of the Catholic Church are clearly defined in employee contracts and job descriptions. Fitzgerald says she has been overwhelmed by the support she's seeing from the community and her students."I mean, it's a great message for my daughter more importantly than anything," said Fitzgerald. "It's a great message for our students and our community at Roncalli because it's what we've taught them all along. Be kind to each other, take care of each other, be welcoming to each other and do it with Jesus in your heart."WRTV has reached out to Roncalli High School administrators and the Archdiocese of Indianapolis for comment about the students' claims and about Fitzgerald's status with the school. As of Tuesday evening, neither has responded to our requests. You can watch Fitzgerald's full interview below.      2318