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If California electric utility PG&E is responsible for California's wildfires, it may not be able to afford the payouts it would owe.PG&E disclosed in a regulatory filing Tuesday that it "experienced an outage" on a transmission line in Butte County at 6:15 a.m. on November 8 -- just 15 minutes before the Camp Fire that has so far claimed 48 lives broke out.PG&E said the cause of the fire is still under investigation. But if its equipment is found to be responsible for it, PG&E "could be subject to significant liability in excess of insurance coverage" and that this could have "a material impact" on its financial results.The utility renewed its liability insurance coverage for wildfire events for an amount of approximately .4 billion that covers the period from August 1, 2018 through July 31, 2019, the company said in the SEC filing.But the fire is far from being under control, which means more damage is likely. PG&E said in the filing that the California Department of Forestry and Fire Protection estimates the fire won't be fully contained until November 30.The damages alone could cost up to .8 billion. according to a report from Moody's this week.PG&E may not have enough to cover the cost that, let alone any legal fees or fines it might have to pay. The utility said in its filing that it currently has .46 billion in cash after borrowing from an existing revolving credit line.Shares of PG&E (PCG) plunged more than 30% Wednesday following this disclosure and were briefly halted for volatility. The stock has now fallen by half since the Camp Fire began.The utility could need another bailout from the state of California if it's found to be liable for the Camp Fire.Governor Jerry Brown signed a bill in September that lets PG&E issue bonds backed by surcharges from the utility's customers. Those bonds would help pay for damages tied to deadly California wildfires in October 2017 caused by faulty PG&E equipment.The bill allows for the possibility that utilities could issue similar bonds for future fires, but that is not guaranteed.PG&E already faces one lawsuit on behalf of victims of the Camp Fire.A group of law firms that has dubbed itself the Northern California Fire Lawyers filed a suit Tuesday on behalf of Camp Fire survivors.The firms allege in the suit that "PG&E was negligent in failing to maintain its infrastructure and properly inspect and manage its power transmission lines." 2507

If you're a pet owner, you know your furry friend can be expensive, especially when it comes to their medical bills. Last year, Americans spent billion at the vet. That's why more owners are now opting for pet insurance. But, is it worth it?"When you are presented with a ,000 bill for emergency surgery, you might only have to pay a couple hundred dollars," says Dr. Jessica Weeks, with BluePearl Veterinary Partner.   Routine care for a dog can be on average 7, and for cats, it’s around 2, according to the American Pet Product Association.  "Most people aren't prepared financially for those things that happen unexpectedly," says Dr. Weeks.Last year, there were 1.83 million pets insured, and experts say that number is climbing.   There are a few caveats with pet insurance, Dr. Weeks says. A majority of the plans do not cover shots and checkups. They only cover the big medical expenses, like treatments and surgery. Additionally, many plans will make you pay the bill in full and then they'll reimburse you after.   "There are similarities as far as pre-existing conditions,” says Dr. Weeks. “If your pet already has an illness and you try to get insurance, a lot of times insurance won't cover that."  That's why vets recommend you do your research. Dr. Weeks recommends owners with young pets get insurance.  As far as the best pet insurance goes, Consumer Watchdog’s top three picks include: Healthy Paws, Pet Plan and Embrace Pet Insurance.   "To be honest, when I have owners come in who have pet insurance, it's a huge relief on my part,” says Dr. Weeks. “So, I can offer standards of care of medicine and do the best that we can for those patients."  1756

House Democrats introduced articles of impeachment Wednesday against President Donald Trump, though they acknowledged their efforts have no chance of success while Republicans control both houses of Congress.Rep. Steve Cohen, D-Tennessee, introduced five articles of impeachment that include obstruction of justice for Trump's decision to fire former FBI Director James Comey, two emoluments clause violations, undermining the independence of the federal judiciary and undermining the freedom of the press. 514

If you knew the world was about to end, where would you go? I'm guessing, Kansas isn't the answer. But, it probably should be.Down a long dirt road in the middle of Glasco, Kansas there is a bunker that can withstand a nuclear bomb, earthquake, tornado, terrorist attack and even a pandemic. It's called Survival Condo. In the late 1960's it was a missile silo, but as modern technology quickly progressed, the old silo was forgotten about. However, 10 years ago Larry Hall purchased the bunker. He decided to build a luxury survival complex for the wealthy if Armageddon were ever to happen. The bunker sits 201 feet below ground. It takes less than 30 seconds to go from the top floor to the bottom. Each condominium cost three million dollars. The complex is self-sustaining and includes plenty of amenities. It has an indoor pool, dog park, spa, gym, cinema, grocery store, a hospital and a hydroponics room; which allows them to be self-sustaining. Survival Condo is also self-sustaining when it comes to power. They have batteries that last for 15 years, wind turbines, and two generators to keep the entire complex up and running. Larry Hall says, even if the world never comes to an end, residents who own a Survival Condo can still use the underground bunker as a vacation destination. 1322

In a string of tweets on Monday morning, President Donald Trump further denied allegations made in a New York Times report that he had not paid income taxes 10 of the past 15 years.Trump insisted on Twitter that he had paid "many millions of dollars in taxes" and that he was "entitled, like everyone else, to depreciation & tax credits."According to The New York Times, which claimed to have obtained two decades of Trump's returns, the then-real estate mogul leveraged hundreds of millions of dollars that he earned from hosting "The Apprentice" into several expensive projects that have resulted in massive losses. The Times reports that while Trump said in a 2018 public filing that he made 4.9 million in revenue, his tax records indicate he lost .4 million that year. Trump then used those losses to avoid paying income taxes, the Times reports.The Times also reported that Trump paid just 0 in income taxes in 2016 and 2017, and is "personally responsible for loans and other debts totaling 1 million, with most of it coming due within four years."Trump argues that because of his "extraordinary assets," he, in fact, is "extremely well leveraged.""I have very little debt compared to the value of assets," Trump tweeted.Prior to publishing its reports, The New York Times says Trump Organization lawyer Alan Garten claimed that “most, if not all, of the facts appear to be inaccurate.” During a press conference at the White House on Sunday, Trump called the Times report "fake news." 1516