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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

CHICAGO, Ill. -- As states begin to reopen, the new stage in the pandemic means elective surgeries are back on schedule.For 51-year-old mother of two Honaire Murillo, the pandemic delayed much needed spinal surgery.“The shooting pains all the time and you know, I have kids I have to run around. And so, it took about a year and I was so disappointed,” said Murillo.About 24 years ago, the aspiring pro-bodybuilder’s dreams were cut short when she was hit by a motorboat while visiting Puerto Rico on business.More than 20 surgeries later, Murillo needed another one.“The pain started coming back and so I knew I was going to have more surgery,” she said.Last week, doctors at Rush University Medical Center’s Midwest Orthopaedics in Chicago were able to get Murillo into surgery for a first-of-its-kind procedure. It was a minimally invasive spine surgery that utilized augmented reality.“The efficiency this provides because of the accuracy and the visualization of the spine is remarkable,” said Dr. Frank Phillips, the director and minimally invasive spinal surgeon at Rush who performed the procedure.A headset guidance system allowed Dr. Phillips to see Murillo’s spinal anatomy – essentially giving him x-ray vision.“That's exactly what it is,” said Dr. Phillips. “It really is x-ray vision. Except it's not just x-ray vision. You're actually seeing the real spine through the skin.”The CT scanned images are directly projected onto the surgeon’s retina and then superimposed right on top of the patient’s surgical area.“I was just blown away,” said Dr. Phillips. “The minute I put my headset on and looked down at the spine, it was like that wow moment. I was like ‘this is crazy.’”Researchers say the FDA-cleared x-vision system could revolutionize the way surgeons perform complex procedures.“It's so accurate, so precise, the visualization so good, you can do the surgery more efficiently, which obviously translates into less anesthetic time and advantages to the patient,” said Phillips.For Murillo, who eventually went pro 15 years after her accident, this latest groundbreaking surgery has her thinking about another return to competition.“I'm still looking to see if I could comeback one more time. I'm not sure. But, yeah to me it's a dream.”Augmedics, the maker of the technology, says it plans to explore the x-ray vision technology beyond just spinal surgery. 2387

CAPE CANAVERAL, Fla. (AP) — Mars is about to get its first U.S. visitor in years: a three-legged, one-armed geologist to dig deep and listen for quakes.NASA's InSight makes its grand entrance through the rose-tinted Martian skies on Monday, after a six-month, 300 million-mile (480 million-kilometer) journey. It will be the first American spacecraft to land since the Curiosity rover in 2012 and the first dedicated to exploring underground.NASA is going with a tried-and-true method to get this mechanical miner to the surface of the red planet. Engine firings will slow its final descent and the spacecraft will plop down on its rigid legs, mimicking the landings of earlier successful missions.That's where old school ends on this billion U.S.-European effort .Once flight controllers in California determine the coast is clear at the landing site — fairly flat and rock free — InSight's 6-foot (1.8-meter) arm will remove the two main science experiments from the lander's deck and place them directly on the Martian surface.No spacecraft has attempted anything like that before.The firsts don't stop there.One experiment will attempt to penetrate 16 feet (5 meters) into Mars, using a self-hammering nail with heat sensors to gauge the planet's internal temperature. That would shatter the out-of-this-world depth record of 8 feet (2 ? meters) drilled by the Apollo moonwalkers nearly a half-century ago for lunar heat measurements.The astronauts also left behind instruments to measure moonquakes. InSight carries the first seismometers to monitor for marsquakes — if they exist. Yet another experiment will calculate Mars' wobble, providing clues about the planet's core.It won't be looking for signs of life, past or present. No life detectors are on board.The spacecraft is like a self-sufficient robot, said lead scientist Bruce Banerdt of NASA's Jet Propulsion Laboratory."It's got its own brain. It's got an arm that can manipulate things around. It can listen with its seismometer. It can feel things with the pressure sensors and the temperature sensors. It pulls its own power out of the sun," he said.By scoping out the insides of Mars, scientists could learn how our neighbor — and other rocky worlds, including the Earth and moon — formed and transformed over billions of years. Mars is much less geologically active than Earth, and so its interior is closer to being in its original state — a tantalizing time capsule.InSight stands to "revolutionize the way we think about the inside of the planet," said NASA's science mission chief, Thomas Zurbuchen.But first, the 800-pound (360-kilogram) vehicle needs to get safely to the Martian surface. This time, there won't be a ball bouncing down with the spacecraft tucked inside, like there were for the Spirit and Opportunity rovers in 2004. And there won't be a sky crane to lower the lander like there was for the six-wheeled Curiosity during its dramatic "seven minutes of terror.""That was crazy," acknowledged InSight's project manager, Tom Hoffman. But he noted, "Any time you're trying to land on Mars, it's crazy, frankly. I don't think there's a sane way to do it."No matter how it's done, getting to Mars and landing there is hard — and unforgiving.Earth's success rate at Mars is a mere 40 percent. That includes planetary flybys dating back to the early 1960s, as well as orbiters and landers.While it's had its share of flops, the U.S. has by far the best track record. No one else has managed to land and operate a spacecraft on Mars. Two years ago, a European lander came in so fast, its descent system askew, that it carved out a crater on impact.This time, NASA is borrowing a page from the 1976 twin Vikings and the 2008 Phoenix, which also were stationary and three-legged."But you never know what Mars is going to do," Hoffman said. "Just because we've done it before doesn't mean we're not nervous and excited about doing it again."Wind gusts could send the spacecraft into a dangerous tumble during descent, or the parachute could get tangled. A dust storm like the one that enveloped Mars this past summer could hamper InSight's ability to generate solar power. A leg could buckle. The arm could jam.The tensest time for flight controllers in Pasadena, California: the six minutes from the time the spacecraft hits Mars' atmosphere and touchdown. They'll have jars of peanuts on hand — a good-luck tradition dating back to 1964's successful Ranger 7 moon mission.InSight will enter Mars' atmosphere at a supersonic 12,300 mph (19,800 kph), relying on its white nylon parachute and a series of engine firings to slow down enough for a soft upright landing on Mars' Elysium Planitia, a sizable equatorial plain.Hoffman hopes it's "like a Walmart parking lot in Kansas."The flatter the better so the lander doesn't tip over, ending the mission, and so the robotic arm can set the science instruments down.InSight — short for Interior Exploration using Seismic Investigations, Geodesy and Heat Transport — will rest close to the ground, its top deck barely a yard, or meter, above the surface. Once its twin circular solar panels open, the lander will occupy the space of a large car.If NASA gets lucky, a pair of briefcase-size satellites trailing InSight since their joint May liftoff could provide near-live updates during the lander's descent. There's an eight-minute lag in communications between Earth and Mars.The experimental CubeSats, dubbed WALL-E and EVE from the 2008 animated movie, will zoom past Mars and remain in perpetual orbit around the sun, their technology demonstration complete.If WALL-E and EVE are mute, landing news will come from NASA orbiters at Mars, just not as quickly.The first pictures of the landing site should start flowing shortly after touchdown. It will be at least 10 weeks before the science instruments are deployed. Add another several weeks for the heat probe to bury into Mars.The mission is designed to last one full Martian year, the equivalent of two Earth years.With landing day so close to Thanksgiving, many of the flight controllers will be eating turkey at their desks on the holiday.Hoffman expects his team will wait until Monday to give full and proper thanks.___The Associated Press Health & Science Department receives support from the Howard Hughes Medical Institute's Department of Science Education. The AP is solely responsible for all content. 6433

CARLSBAD, Calif. (KGTV) — This month, Legoland California will celebrate its 20th birthday with new entertainment, desserts, and a special deal for youngsters.On March 20, Legoland will celebrate its birthday by giving one special park-goer, who is also celebrating his or her birthday, the chance to open the park for the day. The first 1,000 kids in the park will also get free child-size minifigure hands and get to attend a birthday-themed park opening ceremony.At the center of the party will stand a Lego birthday cake consisting of more than 51,000 Lego bricks, showcasing the attractions added to the park since it opened in 1999.The festivities continue all year long, with special birthday desserts, pop badges, and more for park guests. Starting March 16 through Sept. 1, a special 20th Birthday Dance Party can be enjoyed daily, filled with music and dancing.And all year, children ages 12 and under can get into Legoland for free on their birthday. 969

CHICAGO (AP) — Religious leaders across the country used their pulpits Sunday to quell concerns in immigrant communities and spring into action as nationwide immigration enforcement sweeps loomed.A Chicago priest talked during his homily about the compassion of a border activist accused of harboring illegal immigrants, while another city church advertised a "deportation defense workshop." Dozens of Houston churches offered sanctuary to anyone afraid of being arrested. In Miami, activists handed out fliers outside churches to help immigrants know their rights in case of an arrest."We're living in a time where the law may permit the government to do certain things but that doesn't necessarily make it right," said the Rev. John Celichowski of St. Clare de Montefalco Parish in Chicago. His nearly 1,000-member congregation is 90 percent Hispanic and mostly immigrant.While federal immigration officials were mum on details, agents had been expected start a coordinated action Sunday targeting roughly 2,000 people, including families, with final deportation orders in 10 major cities, including Chicago, Los Angeles, New York and Miami.Activists and city officials reported some U.S. Immigration and Customs Enforcement activity in New York and Houston a day earlier, but it was unclear if it was part of the same operation. An ICE spokesman didn't return a request for comment Sunday.The renewed threat of mass deportations has put immigrant communities even more on edge since Trump took office on a pledge to deport millions living in the country illegally.In Los Angeles, the Rev. Fred Morris looked out over his congregation at the North Hills United Methodist Hispanic Mission and was relieved to see everyone who usually attends the early Sunday morning service. He had been worried many would stay home, fearing Trump's threat of immigration sweeps."Everybody is nervous," Morris said. "They are angry, very angry at being terrorized by our president."___Associated Press writer Claire Galofaro in Louisville, Kentucky, and Adriana Gomez in Miami contributed to this report. 2097