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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) — Carlsbad's planned food hall is adding to its already varied lineup of restaurants, and getting a clearer opening date.Carlsbad's Windmill Food Hall is now set to open in late September along Interstate 5 as North County's first food hall.While new additions are still being sought to round out the current slate of offerings, two new eateries have been added: Belgium Delights, a liège waffles spot, and Notorious Burgers, which will serve up gourmet sliders.RELATED: Piazza della Famiglia public square opens next to Little Italy Food HallOther restaurants already announced include: 644

CALEXICO, Calif. (KGTV) - Vice President Mike Pence toured the US-Mexico border in Southern California Monday, answering questions about the migrant caravan waiting to apply for asylum.Nearly 200 Border Patrol agents joined the Vice President at the Imperial station in Calexico.Pence said the migrant caravan’s attempt to seek asylum was a direct result of weak immigration laws and a “porous border.”He called on Congress to close what he described as immigration loopholes. Pence also asked for an end to the current catch-and-release policy, and a crackdown on sanctuary cities.“All of this cries out for action and thanks to the leadership to President Donald Trump, we are protecting the American people along our southern border and we are building a wall,” said Pence.Pence toured the construction site of the border fence renovation and received an update on the progress.“This new wall is roughly two or three times taller than the wall that was here today. It represents the kind of new border wall measures that we will be implementing,” he said.Critics said the project was identified as a priority in 2009, with the money getting approved last year. 1171

CAPE CORAL, Fla. -- Police arrested a Cape Coral man Sunday morning for taking target practice in his apartment after adjoining neighbors found bullet holes in their bedroom.61-year-old Ivan Bakh is charged with Shooting Into a Dwelling, and Reckless Discharge of Firearm in Public/Private Place.According to Cape Coral Police, neighbors reported being woken up by a loud bang and found a large hole in their headboard, right over their heads.Further investigation also found bullet holes into the opposite wall and in the far wall of the adjacent living room.Police contacted the next door neighbor, Bakh, in the apartment building located in the 3400 block of Skyline Boulevard.  Officers located the room opposite the neighbor's bedroom, which contained a large thick book against the wall with a red circle drawn on it.  The book appeared to be used as a target, and had been penetrated by three rounds.A 9mm casing was located in the hallway between the bathroom and the bedroom of Bakh's residence. Also located inside the home was a safe containing a 9mm Glock. The rounds located inside the magazine of the Glock handgun were a match to the 9mm spent casing located on the ground inside the residence. Bakh was arrested and transported to the Lee County Jail. 1305

Charles Manson is being treated in a Bakersfield, California hospital, according to TMZ.Manson, 83, was reportedly rushed to the local hospital for "various treatments," TMZ said.The California Department of Corrections and Rehabilitation gave this statement when asked to confirm that Manson was in Bakersfield:“CDCR cannot confirm or deny this. Federal and state medical privacy laws preclude CDCR from commenting on protected health information for any inmate in our custody.”Adventist Health confirmed that Manson is not being treated there.In January, the notorious, convicted mass murderer was hospitalized for gastrointestinal issues. TMZ is reporting that Manson looks "ashen" and that his health is deteriorating. "It's not going to get any better for him," an unnamed TMZ source said. 822