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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

CARMEL, Ind. -- A 22-year-old man stole a popular English bulldog from a family's yard last year, leading to a social media campaign to try and find him, police say.Reid Albrecht, 22, is accused of stealing a bulldog, named Gus, from a yard in the 3000 block of Hazel Foster Drive. The theft happened in October 2017. During the Carmel Police Department's investigation of Gus' disappearance, multiple people said they remembered seeing Albrecht with a bulldog that matched the description. Albrecht had been telling people he adopted the bulldog from the Humane Society, but neither the Indianapolis nor the Hamilton County Humane Society had a record of him adopting an animal.Albrecht was known to live with his father at a house about 1,000 feet from the victim's house.At the time of his arrest, Albrecht was in jail serving a 180-day sentence for possession of a controlled substance and possession of marijuana. The Facebook page "Gus is Missing" has nearly 1,900 likes, with many people sharing and commenting that they hope Gus will be returned to his home. The page posted the following update Monday: 1144

CARMEL, Ind. — Hundreds of people from all different faiths gathered at a Carmel synagogue to show their love for the Jewish community after someone left hateful anti-Semitic graffiti on one of their buildings. The ground was burned and swastikas and iron crosses were painted on a shed and garbage bins at Congregation Shaarey Tefilla on Saturday. RELATED: Anti-Semitic graffiti found at Carmel synagogueRabbi Benjamin Sendrow says the graffiti may have been left to evoke fear, but as Monday night's gathering showed, it's had the opposite effect on their community. "(It) triggered an outpouring of love and support that wipes away their action better than bleach and fresh paint," Sendrow said. "All they have done is awaken the sleeping giant of love and acceptance and mutual respect."But in the midst of love, those hateful messages also serve as a reminder that Indiana is one of only five states that doesn't have a hate crime law — something Indiana Gov. Eric Holcomb and several other lawmakers vowed to fix in the upcoming legislative session. Lindsey Mintz, Executive Director of the Indianapolis Jewish Community Relations Council, says passing that law is more important now than ever, to "send a message.""The state of Indiana from policy leaders on down will not stand for acts of hate based on bias," Mintz said.Synagogue leadership says the graffiti will not be cleaned off right away so it can be preserved as evidence as Carmel police continue to investigate and follow all leads to find out who is responsible.   1602

CARLSBAD (KGTV) — The new reality that major theme parks like Legoland won't be able to reopen for months is reverberating well beyond the gates.That's because local businesses are no longer able to draw much-needed customers from the park."When they're down, it gives all the leisure marketplace reason to pause and say, do we want to travel?" said Tim Stripe, co-president of Grand Pacific Resorts, which owns multiple hotels and timeshares within walking distance of Legoland.The governor's office announced this week that major theme parks such as Legoland could not open until counties enter the least restrictive tier of coronavirus restrictions. San Diego County is two tiers away, meaning the move could take months. Bret Schanzenbach, CEO of the Carlsbad Chamber of Commerce, said there are many reasons to visit the city, including golf, beaches, and the outlet mall, but nothing brings tourists like Legoland. "The explosion of hotels that we've had since Legoland opened is undeniable, and the skyrocketing of our tourism dollars in this area since Legoland has opened is undeniable," he said. "All those other amenities are great and they play off of each other, but Legoland is the biggest draw in North San Diego County."Stripe said his company has closed one of its hotel facilities, while the other two are at 40% capacity, with employment cut in about half. He said the hotels get 20% of their guests directly because of Legoland. It's not just hotels, but also restaurants. Carlsbad's Green Dragon Tavern and Museum is taking a double hit. Not only is the restaurant losing out on tourists — about 20% of its business — but also the corporate events Legoland used to host there."We're definitely looking forward to the day where these attractions can come back and we hope Legoland is going to stick through it," said john lek, its senior vice president.The governor's office says major theme parks are risky because they attract out of towners.Legoland currently has about 100 employees, down from 3,000 pre-pandemic. 2045

By sheer number, Democrats have reason to celebrate post-midterms when it comes to seats for governor.In Wisconsin, Democrats ousted Republican incumbent Scott Walker by voting in former educator Tony Evers. It was also a surprise in Kansas, as the Democratic state legislator who beat staunch Trump supporter Kris Kobach describes her win as, “a wave of common sense.”Perhaps two of the biggest gubernatorial wins went to the Republicans—in Florida and in Ohio, two swing states that could boost the odds for Republicans in 2020.But the governor’s race that gained some of the biggest attention was the governor’s race in Georgia, where Democrat Stacey Abrams trails Republican Secretary of State Brian Kemp.Votes won’t be certified until next week, but the margin is so thin right now that Abrams believes they'll be headed for an automatic runoff election.In Georgia, a runoff is triggered when neither candidate reaches 50 percent.  Abrams' campaign says that could happen once absentee ballots are factored in."We feel we owe a fight to voters, to all voters, to make sur every vote is counted," says Lauren Groh-Wargo, Abrams’ campaign manager.Despite Abrams refusing to concede, Kemp sounded confident in his early morning speech, saying, “There are votes left to count, but we have a very strong lead. And, folks, make no mistake, the math is on our side to win this election." 1398

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