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It doesn’t take much to upend many Americans’ finances. A car that won’t start, a furnace that dies or a trip to the hospital can leave households struggling to make ends meet.According to the Federal Reserve, 44% of U.S. adults say they would have trouble coming up with 0 to cover an unexpected expense. Even families who have more in the bank can flounder. Surveys by The Pew Charitable Trusts found that 51% of families with at least ,000 in savings reported trouble paying the bills after a financial shock.Yet it is hardly a shock if an appliance wears out or a car breaks down.It’s time to rethink what we mean by unexpected expenses. Some bills may be unpredictable in their amount or their timing, but they’re still inevitable. In other words: If you have a car, or a home, or a body, sooner or later it’s going to cost you.A better approach, especially for households currently living paycheck to paycheck, is to save for the most likely costs and have some kind of Plan B to handle the truly unexpected.Here’s how that might work with three of the most common unexpected expenses Pew found: 1119

Is it safe to get together for the holidays? As Thanksgiving approaches, many people are having those discussions, and many are desperate to not only see family, but to travel.Zane Kerby, President and CEO of the American Society of Travel Advisors said, “People are itching to get out there.”The nonprofit organization represents 15,000 travel advisers across the U.S. They often poll consumers and recently learned that people are craving a change of scenery.“People have said, 'You know what? I want to go five, six, seven hours away,'” Kerby said. “They want to do that aspirational trip that they’ve been thinking about before the pandemic and now they really want to do it.”And they're talking about Thanksgiving and wondering whether they should drive or fly.“We asked people point blank what are you going to do for Thanksgiving?” Kerby said. “We’re encouraged, only 15% who normally travel said they weren’t sure they were going to fly this year. Kerby said that there is pent up demand for travel, and there is optimism in the industry.But, if you're talking about getting together, doctors stress that you do so safely.“All of these decisions are weighing risks and benefits and I wish I had a crystal ball,” said Dr. Beth Thielen, an assistant professor of pediatrics at The University of Minnesota Medical School. Dr. Thielen also is an infectious disease doctor. “I wish I could tell you what’s going to happen but I can’t, but I can tell you riskier things and safer things and appreciate that even the most precautions don’t eliminate your risk either.”“I think identifying if you or someone you’re hoping to gather with has those underlying conditions, that you maybe need to be extra cautious about preventing exposures,” she added.Of course, everyone wants to get together and realizes the importance of family.Dr. Thielen advises to limit the number of people, assess your own risk and that of those whom you're considering visiting. She recommends thinking about limiting your exposure to other people in the weeks before you travel.“All of these infections have an incubation period,” Thielen said. “You’re exposed to somebody with the infection taking root but not manifesting itself or detectable by testing for COVID. It’s a few days a week or so before that exposure happens.”We're learning a lot about COVID-19. We know outside is better. Masks are important. And we now know it affects people differently.Kerby said if you're considering flying, know that the industry is taking extreme precautions for travelers.“Between the HEPA filters they use on planes, electrostatic and defogging they're doing after every flight, the air on an airplane is probably better than the air in your home,” Kerby said.While there is a lot of discussion to be had about the holidays and travel, if you can do it safely, everyone wins. 2853

In the wake of an increase of high-profile school shootings and seemingly round-the-clock news coverage of gun violence, some students are preparing for school in ways their parents never were: bulletproof backpacks.Companies that sell products that offer increased protection from gunfire say they have seen an uptick in sales. That includes Bulletsafe, a Troy, Mich.-based company that sells a panel that can be inserted into most backpacks for added protection.“I think its main use is for people to sleep better at night,” Tom Nardone of Bulletsafe said. “Honestly, I don’t believe they need one right now,” he said. “I think most the people who are buying them are buying them because a parent is afraid.”Nardone’s product is marketed as a notebook-sized bulletproof backpack panel capable of stopping all handgun rounds up to a .44 magnum.He’s the first to admit that the likelihood that your child is near your backpack at the exact moment a shooting happens is slim. Still, parents are buying them with hopes that it’s an added layer of protection in that worst-case scenario.“I’m a dad, too,” Nardone said. “I don’t want to live in a world where my kid needs a bulletproof backpack.”Scripps station WXYZ in Detroit test a backpack with the Bulletsafe backpack panel inside it, and true to its promotion, it stopped rounds from both a 9mm and a .45 magnum.When tested with a higher-powered rifle outside of the specs that the panel is graded to stop, the bullet unsurprisingly penetrated the panel.While the thought of a school shooting may seem unrealistic to some, the reality is that Michigan holds the unwanted distinction as the No. 1 school on the “State of Concern” report released this week by the Educator’s School Safety Network.The report described that during the 2017-2018 school year, more than half of all school-based threats and incidents of violence occurred in 10 states.Michigan tops the list because of a gigantic spike in school threats.The problem became more visible after the Parkland, Florida school shooting. Accoeding ot the Macomb County prosecutor's office, 60 juveniles and 12 young adults were charged with felonies in connection with school threat cases.“There is zero tolerance for that behavior,” Derek Miller, the chief of operations for the Macomb County Prosecutor’s Office said. “You’re dealing with school safety, faculty safety, these copy-cat threats and threats to children will never be tolerated by Eric Smith, or this office.”While the uptick in threats occurred following the Parkland shooting, experts note that Michigan was already trending up in the sheer number of threats before that shooting.Amanda Klinger, the director of operations for the Educator’s School Safety Network, says that more needs to be done.“Educators are really feeling the sting of this,” Klinger said. “This pull on their time, resources and interruption to instruction.”The data collected by ESSN showed that Michigan averages roughly 20 threats per 1 million students. A number of states average less than a dozen threats, some less than 5.While the data doesn’t explain why threats are increasing, it does shine a light on the discussion. Klinger said she hopes that it starts a conversation that goes beyond adding security measures to schools, but training people to see warning signs of violence.“It is easier to buy a metal detector and stand in front of your parents and say, ‘Hey look, we’re working on school safety,’” Klinger said. “It’s a lot more difficult to say we have trained all of our educators in how to look at red flags.”If you’d like to know more about Bulletsafe’s bulletproof backpack panel you can click, here.For more information about the ESSN study that listed Michigan as the number one, “State of Concern,” you can find a complete look at the data, here. 3879

It’s taco time. Mookie Betts with the Los Angeles Dodgers helped his team beat the Tampa Bay Rays, and he also helped fans get a free taco.“TACOS ON ME!!!!” the right fielder tweeted out Wednesday morning. 213

INDIANAPOLIS — A special prosecutor chose not to press charges against Indiana Attorney General Curtis Hill, after four people accused him of sexual misconduct. The alleged sexual misconduct happened in the early morning hours of March 15, 2018, at a party at A.J's Bar in Indianapolis. The alleged behavior included suggestive statements and unwanted touching by Hill.  Hill did not deny touching occurred but said it was either incidental to conversation or movement in the bar, according to the prosecutor's report.The special prosecutor, Daniel Sigler, investigated a potential charge of misdemeanor battery. Fifty-six witnesses were interviewed during the investigation, and a video statement was obtained by Curtis Hill."Mr. Hill was cooperative with my requests throughout the process as were all witnesses interviewed," Sigler wrote in his statement. Sigler said he found the women's claims as "true and credible.""Their motives appeared sincere and I found all to be credible in their belief that Hill touched them in a way that was inappropriate," Sigler wrote. "The decision made today should not and does not reflect on their credibility," Sigler wrote at the end of his statement. "They addressed their concerned in an appropriate fashion and forum and should be subjected to no criticism."The Indiana Inspector General also released a report about the investigation. The Inspector General's report is more detailed in those interviewed, and the exact allegations against Hill. Of the 39 people interviewed who attended the party at A.J.'s Bar, 20 of them said Hill appeared to be intoxicated. When asked why they believed that, some said he was slurring his words or had trouble standing up. One witness described him as "acting like a freshman at a college frat party," while another said he behaved in a "predatory, intoxicated manner." Another 15 people at the party said they couldn't comment, weren't sure, or couldn't remember if Hill was intoxicated. Four said they didn't believe he was intoxicated. The initial accusation against Hill came from Mara Candelaria Reardon, an Indiana State Representative from Munster, Indiana. She told investigators Hill put his hand on her back at the party, then slid it down her dress and grabbed her buttocks. She said she told him to back off, then left the conversation.Later in the evening, Reardon said Hill returned to her and touched her back. She reported that Hill said "that back, that skin" when he touched her.The investigators interviewed a male witness to the incident, who said he saw Hill touch her "with his own two eyes." Other witnesses said they saw them together and saw Hill touching her back, but didn't see how far down his hands went. One of those witnesses said Reardon approached him and said that Hill was "a creep," but said she didn't elaborate further.Hill's second accuser told investigators he approached her and started rubbing her back. She told investigators "she felt trapped," and was uncomfortable and embarrassed, and afraid of how others would see what happened. A third accuser told investigators Hill approached her and made her uncomfortable with the conversation. She said she told him "it's really hot in here," and Hill replied, "Yes, you're really hot."In addition to the known four public accusations, investigators also learned of two more incidents where people stated they were made uncomfortable by Hill's actions at the party, according to the Inspector General's report.“While the findings of our investigation did reveal unacceptable behavior by a state officeholder, and which significantly impacted those affected, we respect the grounds on which Special Prosecutor Sigler made his decision,” Inspector General Lori Torres said. In an announcement shortly after Sigler's, the women who accused Hill said they are pursuing a civil lawsuit against him. Hill's attorneys released a statement about the announcement. It reads, in part: 4065