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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

International auction house Bonhams has canceled an upcoming sale of rhino products amid mounting pressure from environmental groups, it was announced Friday.The auction, which was due to take place in Hong Kong next week, would have featured more than 20 antiques carved from rhino horn, including a vase, a hairpin, a pouring vessel and a variety of drinking cups.In a statement provided to CNN, Bonhams global CEO Matthew Girling said: "(We recognize) there are widely held concerns about this issue and have decided that the sale of the rhinoceros carving scheduled to take place in Hong Kong on 27 November will now not take place."An online catalog for the sale, which had been titled "Exceptional Chinese Rhinoceros Horn Carvings from the Angela Chua Collection," has been removed from the auction house's website.Girling also announced that Bonhams would join the likes of Christie's in barring rhino horn items from its auctions."In future Bonhams will not offer artifacts made entirely or partly from rhinoceros horn in its salerooms," the statement said.The decision follows objections from high-profile conservation groups, including WildAid. An online petition, addressed directly to Girling, called the auction "unethical" and "unsustainable," suggesting that the sale would stimulate poaching.The petition, which had been signed almost 10,000 times at the time of writing, also claimed that the sale was "quite likely illegal," and composed of "horns from recently poached rhinos" rather than antiques.Girling refuted such suggestions in his statement, claiming that all rhino carvings that pass through the auction house are antiques with "known provenance" and requisite licenses."Bonhams stands behind the professionalism and expertise of its specialists," he added.The use of rhino horn in Chinese art and crafts dates back millennia. Carved cups, such as those featured in the Bonhams auction, were thought to protect their users from poisoning. It was once believed that rhino horn reacted with poison, producing a fizzing that would alert drinkers to danger.Despite global efforts to combat poaching, antique rhino horn items can still be bought and sold if they carry a license issued by CITES (Convention on International Trade in Endangered Species).Bonhams, which is headquartered in London, is considered among the world's oldest and largest fine art auction houses. Rhino products previously sold by Bonhams include a cup dating back to the 17th century, which sold for 4,000 earlier this year.Rhino horn items recently sold at the auction house's UK salerooms include a Buddhist carving from Nepal, which went for ￡40,000 (,000), and another elaborate Chinese cup worth ￡25,000 (,000). Other lots have included snuff bottles and walking sticks.A senior specialist for wildlife programs and policy at Humane Society International, Iris Ho, welcomed Friday's decision."We applaud Bonhams for canceling the November 27 auction of rhino carvings and warmly welcome its pledge of not offering any rhino horn artifacts in the future," she told CNN in an emailed statement."The price to do the right thing -- choosing saving rhinos over profiting from rhino horn sales -- is priceless. The responsibility of ensuring the survival of the remaining wild rhinos, less than 30,000 of them, rests upon all of us."Conservationists, including Humane Society International, also mounted pressure on auction house Sotheby's to withdraw rhino horn items from one of its upcoming sales.A two-day Chinese art auction, set to take place at Sotheby's Hong Kong next week, had featured three rhino horn items with a combined value of up to 420,000 Hong Kong dollars (,000), according to an online catalog.As of Saturday, Sotheby's announced it would withdraw the three rhino horn related lots from the sale in an e-mail statement. Chairman of Sotheby's Asia Nicholas Chow confirmed the auction house would no longer offer rhino artifacts in the future.The outcry comes less than a month after China announced that it was relaxing laws prohibiting the sale of rhino and tiger products for "medical" purposes. 4134

It's one of the most frightening new scams to hit in 2018: the porn blackmail scam, or "sextortion" scam.One woman was just targeted and is sharing her story so others don't end up horrified as she was, or worse, losing hundreds of dollars.Linda Wihl is one of the kindest, most clean-living women you'll ever meet. She teaches inner-city children to read through a nonprofit group she started called "Making Sense of Language Arts."  She has a wall full or honors and awards for helping so many children.So you can imagine her surprise when she received an email accusing her of watching porn."They were asking for money to keep quiet, or said they would show pictures of me performing. you know, sex acts." Wihl said.Frightening email says it has goods on youThe email claimed a malware program installed on her laptop caught her visiting porn sites and had a picture of her watching porn taken with her laptop's camera.Her first reaction?"It was bull, for one, because it's not something I do," she said.However, the emailer knew one of her passwords, so she was worried.Wihl's biggest fear wasn't that someone saw her doing something private. It was that a hacker had gotten into her computer, where he could have accessed all sorts of personal information."You don't know who has access and who can use your computer," she said.Fortunately, the security site Krebs on Security says this is just a scam that uses a password stolen from a data breach, possibly the 2012 LinkedIn breach.Wihl didn't send money; she knew the hackers didn't really have anything with which to embarrass her. If you're not quite as saintly as she is, however, you just might fall for it -- especially if you have ever looked at X-rated material on your computer.As always, delete your browser history and don't waste your money.____________________"Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps")."Like" John Matarese on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com  2160

It might still feel like summer outside, but starting Tuesday, you can once again get your pumpkin spice latte fix at Starbucks.The popular coffee chain says its beloved fall seasonal menu returns to stores on Aug. 25.The lineup offers pumpkin-flavored beverages, treats and more.In addition to the pumpkin spice latte – now in its 17th year – you can sip on a pumpkin cream cold brew, a salted caramel mocha or a salted caramel Frappuccino.If you're hungry, pair your drink with a seasonal baked goods, like Starbucks' pumpkin scone, a pumpkin cream cheese muffin or a slice of pumpkin bread.Starbucks says the fall menu is available at all their U.S. and Canada locations for a limited time and while supplies last.This story was originally published by Mark Sundstrom at WPIX. 787

In his memos documenting conversations with President Donald Trump, former FBI Director James Comey recounts Trump's "serious reservations" about then-national security adviser Michael Flynn as well as the President's concerns about media leaks and Trump's recollection of Russian President Vladimir Putin telling him that Russia had the "most beautiful hookers in the world."The Comey memos provided to Congress on Thursday and obtained by CNN include documentation of seven conversations he had with Trump from January 7, 2017, through April 11, 2017. Four of the notes are classified and have been partially redacted, and three of them are unclassified.There are several recurring themes through the conversations: Trump frequently brings up leaks to the media and they discuss trying to find the source of the leaks. Trump also at least twice brought up the "golden showers thing" and said he was concerned even if there was a small chance his wife had thought it was true.In the January 7 memo, Comey writes that Trump interjected, "there were no prostitutes; there were never prostitutes" about his 2013 trip to Moscow.In his January 28 conversation with Trump, Comey also writes that Trump said "the hookers thing is nonsense," but then later said that "Putin had told him, 'we have some of the most beautiful hookers in the world.'"Comey also writes that the President said on January 28 he had "serious reservations" about Flynn, who soon left the administration and later pleaded guilty for lying to the FBI about his conversations with Russian officials.Trump explained that his reservations about Flynn's judgment by discussing a story about a toast to British Prime Minister Theresa May and someone else who Flynn had said called before her after Trump was inaugurated, but Flynn had not told the President.The unclassified memos include the now-famous conversation Trump had with Comey where he told Comey, "I hope you can see your way clear to letting this go, to letting Flynn go.""I replied by saying, 'I agree he is a good guy,' but said no more," Comey writes.Trump is also focused on loyalty, as Comey has said in congressional testimony and his book. In their final April 11 conversation, Comey writes that Trump told him: "I have been very loyal to you, very loyal, we had that thing, you know."Comey said that he assumed Trump was referring to his previous pledge for loyalty before his inauguration, where Comey responded he would provide "honesty," and Trump responded, "honest loyalty."In the February 8 memo, Comey also recounts a conversation with then-White House Chief of Staff Reince Priebus, where he says that Priebus asked him whether it was a "private conversation," and asked Comey, "Do you have a FISA order on Mike Flynn?"Comey said that he answered Priebus' question, but first told him that it was "the kind of question that had to be asked and answered through established channels." 2932