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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, Calif. (KGTV) — Prosecutors Wednesday say two transients accused of a deadly home invasion robbery this week stabbed the victim 50 times in the face, neck, and back.Ian Bushee, 37, and Malissa James, 26, are both accused of breaking into a home in the 1800 block of Outrigger Lane just after midnight Monday. During the break-in the victim, identified as 63-year-old Marjorie Gawitt, was stabbed multiple times.Gawitt was still able to call 911 to report the incident and was conscious and breathing when police arrived. She was taken to Scripps La Jolla Hospital, where she died of her injuries.RELATED: Police identify suspects in deadly Carlsbad stabbing, burglaryBushee and James fled the scene in Gawitt's vehicle, according to police. The vehicle was found in San Marcos and the two were arrested in the 4800 block of Park Drive later Monday.Each has been charged with homicide, burglary, conspiracy, and auto theft. Bushee was also charged with accessory after the fact. James also also charged with torture. The pair was already on probation in San Bernardino for residential burglary.Both defendants pleaded not guilty of all charges.Bail was not set for Bushee or James, as they were determined to be a threat to the community.Both face the death penalty. A readiness hearing is scheduled for March 21, and a preliminary hearing is set for March 27. 1377

CARLSBAD, Calif. (KGTV) - Wednesday kids tried out for the reboot of Kids Say the Darndest Things during a casting call at Legoland.Some families were selected as they entered or left Legoland, while other families sought out the try-outs.Representatives say hundreds of children were interviewed to see if they are a good fit for the national show, hosted by Tiffany Haddish.The kids, age 4-11, waited in a tent with their parents to be called in. "They come in and let it go and it is just the most hilarious thing ever," Casting Producer Cevin Middleton said. In the tent, we asked a few of the kids random questions and hilarity ensued."I'm funny!!!" Aliyah said. She was very concerned about putting on the microphone for the interview, saying she thought she might get "electrified." When asked where she would go if she could travel anywhere in the world, she said she would go to China for limited edition Shopkins.One little boy jumped into an interview saying emphatically, "I like to fight with them! [You like to fight with dragons?] Yeah, like that little dragon over there," he said pointing."I was the leader of my friends and then when I'm going to leave to somewhere else I picked one of my friends to be the leader of the other girls," seven-year-old Lila said. She and her dad were in town from the Bay Area having fun at Legoland when they found out about the tryouts."[What do you think is the coolest imaginary creature?] Probably a unicorn because they can fly, they can do magic and their poop is ice cream," Xayla said her dad told her unicorns poop ice cream.In all the silliness, there were a few gems, "I like to dance mostly, it calms my nerve down mostly and it helps me with my stress," Ariannah said she stressed about not being able to do something."I want to show other kids that even though you say you can't dance, like you can do it... dance comes from your heart and your passion," she said she dances and helps her sister dance to get through difficult times.The first episode of Kids Say the Darndest Things will air this Fall on ABC. 2082

CARLSBAD, Calif. (KGTV) - A photographer in Carlsbad is helping to preserve the memory of the Greatest Generation, one portrait at a time.John Riedy works with The Greatest Generations Foundation. The group takes Veterans back to the battlefields on which they fought.During the trips, Riedy takes a portrait of each vet on their battlefield."It helps them realize that we’re not going to forget these guys," Riedy says. "When they’re gone, their legacies are going to live on."Over the last 12 years, Riedy has gone on nearly 50 trips with the Foundation and taken close to 300 portraits.For the 75th Anniversary of D-Day, he chose 75 of his favorite to hang in two galleries near Normandy and Omaha Beach."I think they were blown away to see their portraits up there," Riedy says of the reaction the Vets had when they got a first look at the galleries.Riedy says it's his personal way to honor the sacrifices they made."When you step onto Omaha beach, or you go to that cemetery at Omaha, and you see what they were up against when you see those cliffs, it's awe-inspiring," he says. "It’s like a switch flipped inside me. From them on I knew this was going to be my calling."Riedy and the Foundation have started to expand the program beyond World War II Veterans. They now take vets to Vietnam and are hoping to take Korean War veterans in the future.Riedy says he hopes to open another gallery of portraits either in California or in Denver, where the foundation is located.To see a full gallery of the photos, to to support the Greatest Generations Foundation, click here. 1587

CHICAGO, Ill. – A futuristic innovation is changing the way doctors set broken bones. A startup company called Cast21 has created a new type of cast that completely overhauls its plaster and fiberglass predecessors. It takes just minutes to put on and lets patients enjoy an active life, even allowing them to swim and shower with it.A couple of weeks ago, 12-year-old Jett Karrick took a hard fall during a basketball game.“He went over and stopped himself with his left hand and he ended up having a bicortical radius fracture,” said his father Tony.A trip to the emergency room put him in a traditional fiberglass cast, but he was instantly unhappy.“Was itching quite a bit,” said Karrick. “He didn't like the way it smelled, the whole drama associated with getting in the shower and the garbage bag.”An internet search led the Karricks to the innovative new cast, a futuristic sleeve that's waterproof, lightweight and breathable.“This product is completely waterproof. You can wash your hands, shower, jump into a hot tub, go to the beach, and it'll dry right off afterwards,” said Ashley Moy, CEO and co-founder of Cast21. The company believes it could make smelly and itchy plaster casts a thing of the past.The casts start with a flexible hollow net sleeve.“So, we're going to be able to move your arm and whatever orientation we need to best keep the bones and fractures in place,” said Moy.Then a proprietary liquid is pumped into the cast’s tubes.“The liquid is going to take up any of the negative space that you had in there so that we can get a really acute and comfortable fit for you,” she said.Within minutes, the cast hardens.Earlier this week, Jett got his old cast removed and a Cast21 as a replacement.“This cast just gives me a lot more freedom. It lets my hand breathe and it doesn't stink as bad.”Nine-months into production and Cast21 is available in 13 states. While the Karrick family's insurance is covering the high-tech cast, costs can depend on the individual provider.“Our process is also way more efficient to apply and remove,” said Moy. “It's about six times quicker to put on and it only takes seconds to remove.”No saw is needed.And while the immobilization net is currently only available for lower arm fractures, the company says they are currently in research and development on new sleeves for other limbs. 2355