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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) -- The desalination plant in Carlsbad is celebrating the production of 40-billion gallons of water since it opened three years ago.That's enough water to fill the Empire State Building 145 times. Or a billion bath tubs. The "watermark" being celebrated Thursday with a gathering of officials, including former U.S. Senator Barbara Boxer, Carlsbad Mayor Matt Hall and Poseidon CEO Carlos Riva. All sharing a toast with a glass of fresh water produced by the plant. Water so clean once it passes through the reverse osmosis system, say plant officials, they have to add mineral back into it. "The water molecule makes it through," says Poseidon Community Outreach Director Jessica Jones. "But the salt molecule -or any other impurities, viruses or bacteria- are too large. And so, they're rejected." 10News asked Jones about environmental impacts over these past three years - such as the salt concentrations in local ocean waters from discharge from the plant. 10News asked Jones about environmental impacts over these past three years - such as the salt concentrations in local ocean waters from discharge from the plant. She said Poseidon does test for such changes but has found no measurable impacts on local salt levels or the environment. She says that is due to the way the plant dilutes and disperses its discharge water. Poseidon now has another plant up for approval in Huntington Beach which could begin construction as soon as next year. The plant produces 50-million gallons of fresh water a day. With twice as much extra salty water discharge as a result. 1601

Charges are forthcoming and this case will be prosecuted to the fullest extent- A hero in the form of a NYCT Platform Controller emerged in a split second, taking control without hesitation and held the suspect while at the same time getting aid to the victim ?? https://t.co/spOOaoeSeX— NYPD Transit (@NYPDTransit) November 19, 2020 341

CARDIFF (KGTV) -- With just a little bit of planning, Sharon Belknap begins a free-hand sand mandala that will offer its message, briefly, to all who pass by on the bridge at Cardiff State Beach where the San Elijo lagoon meets the ocean.Watching her work is like watching a dance.The graphic designer and illustrator draws shapes using a small, inexpensive rake. She brings extras because often passersby find inspiration and ask to join her, a collaboration she welcomes.The connections she has made through her sand art, she says have added meaning to her creations.People also send her their photos of her artwork, asking to use them in their holiday cards.Each mandala has an inscription, such as: "You Are Loved," or "Only Love."One that resonated particularly was "Grateful for ____.""People were shouting their words from the bridge," says Belknap.Sometimes friends join her.Heather Nelson is a regular, and a longtime friend. The day we shot the story, Kari Prevost was joining for her first collaboration with Sharon."The sounds of the ocean, the beauty of the water," she says, "it's restorative. It rekindles a playfulness that's innate."Expressed on a canvas that will be washed away by the waves; the impermanence, Belknap says, is freeing and healing.Her son Chris Thompson, a 28 year-old Valley Center firefighter, died in an early morning crash on his motorcycle this 4th of July."I like to say he ascended," she says. The next morning, inexplicably, Sharon says she woke up feeling joy. She came to her spot in Cardiff before sunrise."The words just poured into me: 'Only Love.'The first person who walked over the bridge and saw her mandala tribute, took a picture of her, standing in the shadow of the bridge illuminated in the early sunlight.Belknap says Chris is in every drawing. She adds eyes, which are Chris's, to each one. "Being out here, creating these, I often ask Christopher, 'What do you see honey?' And he says, 'Mom, I see you.'"When this design is done, Sharon and her friends share a covid-conscious "butt hug," as she calls it, then take a moment to lift their hands to share it with Christopher, before sending its message out to all who are fortunate enough to see it before it's erased by the waves."You Are Loved," it says. 2274

CAMP PENDLETON (KGTV) - A training accident on Camp Pendleton that left several Marines with severe burns may have been caused by an exposed gas line, a report from the Washington Post indicated Friday.Camp Pendleton officials said Marines from 1st Marine Division were conducting "scheduled battalion training" on land when a vehicle caught fire September 12.The 15 Marines were taken to various area hospitals.The vehicle involved was identified as an Assault Amphibious Vehicle (AAV) used to transport Marines from sea to land. The AAV performed a maneuver which caused it to run over a gas line, sever it with its tire treads, and ignite the line, the Washington Post reported.The official report on the fire has not yet been released by the Marine Corps. 777