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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) - Wednesday kids tried out for the reboot of Kids Say the Darndest Things during a casting call at Legoland.Some families were selected as they entered or left Legoland, while other families sought out the try-outs.Representatives say hundreds of children were interviewed to see if they are a good fit for the national show, hosted by Tiffany Haddish.The kids, age 4-11, waited in a tent with their parents to be called in. "They come in and let it go and it is just the most hilarious thing ever," Casting Producer Cevin Middleton said. In the tent, we asked a few of the kids random questions and hilarity ensued."I'm funny!!!" Aliyah said. She was very concerned about putting on the microphone for the interview, saying she thought she might get "electrified." When asked where she would go if she could travel anywhere in the world, she said she would go to China for limited edition Shopkins.One little boy jumped into an interview saying emphatically, "I like to fight with them! [You like to fight with dragons?] Yeah, like that little dragon over there," he said pointing."I was the leader of my friends and then when I'm going to leave to somewhere else I picked one of my friends to be the leader of the other girls," seven-year-old Lila said. She and her dad were in town from the Bay Area having fun at Legoland when they found out about the tryouts."[What do you think is the coolest imaginary creature?] Probably a unicorn because they can fly, they can do magic and their poop is ice cream," Xayla said her dad told her unicorns poop ice cream.In all the silliness, there were a few gems, "I like to dance mostly, it calms my nerve down mostly and it helps me with my stress," Ariannah said she stressed about not being able to do something."I want to show other kids that even though you say you can't dance, like you can do it... dance comes from your heart and your passion," she said she dances and helps her sister dance to get through difficult times.The first episode of Kids Say the Darndest Things will air this Fall on ABC. 2082

CAMP PENDLETON, Calif. (KGTV) — Officials Friday identified the Marine killed in a rollover crash this week at Camp Pendleton.Officials identified 1st Lt. Hugh C. McDowell, 24, of Washington D.C., as the Marine killed after a light armored vehicle rolled over Thursday at Camp Pendleton. Six others were also injured in the crash.The crash occurred during regularly scheduled battalion training, officials said. The cause of the crash was still under investigation Friday.RELATED: Marine killed, six others injured in rollover at Camp PendletonMcDowell was a platoon commander assigned to the 1st Light Armored Reconnaissance Battalion, according to officials. He accepted his commission as a Marine Corps officer on May 5, 2017. Through his military career, he had been awarded the National Defense Service Medal and the Global War on Terrorism Service Medal."We recognize that military operations are inherently dangerous and we take extreme precautions to ensure the safety and welfare of our Marines. This is a tragic accident and we are heartbroken at the loss of a member of our Marine Corps family. We will do all we can to comfort the family, friends and colleagues of Lt McDowell," the 1st Marine Division said in a release.The six other Marines injured in the crash were taken to a local hospital with injuries not considered serious. They were in stable condition Friday but have not been identified. 1419

CAMP PENDLETON (CNS) - A man was killed on Interstate 5 near Camp Pendleton Saturday morning when his Chevrolet Suburban overturned, landed on the right side of the freeway and was struck by a second car.The deadly sequence of events happened a little before 3 a.m. on the northbound side of I-5 past Basilone Road, near San Onofre State Beach and not far from the Orange County line.A 25-year-old San Clemente man was behind the wheel of the Suburban when it left the road and went up an embankment before flipping over and coming to rest on the right shoulder, California Highway Patrol Officer Mark Latulippe said.Shortly afterward, a Nissan Rouge driven by a 46-year-old Tijuana man approached the wreck and struck the disabled Suburban, Latulippe said.Passing drivers stopped to assist the Suburban driver, who was found unresponsive outside his car on the right shoulder.It's unclear if he exited the SUV after the initial crash, or was thrown from it during the second collision, Latulippe said.Emergency personnel from the Camp Pendleton Fire Department headed to the crash, but the Suburban driver died at the scene, Latulippe said. The man's name was not immediately released.No information on the condition of the Rogue driver was available.Drugs and alcohol were not considered to be factors in the crash, Latulippe said.Northbound lanes of I-5 were congested through the area for about an hour after the crash while officials investigated. 1460

CARLSBAD, Calif. (KGTV) -- A 16-year-old boy was killed and seven other teenagers were taken to the hospital after a rollover crash on a Carlsbad street early Wednesday morning.Carlsbad police said the solo-vehicle crash happened at around 2:15 a.m. on Carlsbad Village Drive at Valley Street.According to police, an Toyota 4-Runner SUV with eight people inside rolled over for unknown reasons. A teenage male passenger died at the scene, a lieutenant at the scene told 10News. Family members identified the 16-year-old to 10News as Jack Munday. A GoFundMe to assist the family with expenses has been started here.Police said the female driver and six other passengers survived the crash, but 10News learned three of the survivors crawled out of the wreckage and fled. Those three people returned to the scene a short time later.Three other survivors got out of the vehicle and remained at the scene, while responding firefighters freed a passenger that was trapped inside.Police said the survivors were taken to area hospitals for treatment of injuries "ranging from minor to serious."Police confirmed the seven survivors, including the SUV’s driver, are under the age of 18.According to police, alcohol is not believed to be a factor in the crash but they are looking at the possibility the SUV was traveling at a high rate of speed before the rollover.Lilli O’Connell could hardly hold back the tears as she watched crews working to get the mangled SUV onto a tow truck.“We are a tight community; It’s sad, it’s really sad. I mean, 16 to 18 [years old], that can be anyone at my school. This could happen to anyone,” O’Connell said.O’Connell said she was on this same road Tuesday night because of a get-together in the neighborhood.“I would hope none of those kids are from that party because that ended at 11 p.m. and there was no drinking involved there,” she told 10News reporter Marie Coronel.O’Connell’s father Jim said speed is always a concern for him on this street.He added, “It’s just sad. I mean, again, it’s a parent’s worst nightmare. I saw the news this morning on social media and the first thing I did was check to see that my kids were OK.”The intersection of Carlsbad Village Drive at Valley Street is expected to be closed for several hours due to the investigation and clean-up. 2310

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