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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
It's been almost a year since Vince McMahon announced the return of the XFL, and the first eight cities are expected to be announced on Dec. 5, but for those who want to play in the league, you can now apply.Under the XFL careers page, there is an application for those who want to be players. "We are looking for talented, hungry players to join a fan first, innovative and progressive new league, the XLF!" the website reads. They're preparing for their inaugural season in 2020.The application looks just like a normal job application and asks for your name, email, phone number, city, resume/CV and college. It also asks for the primary position you play, your agent name, the last year you played professionally, links to game film and much more. One question asks why you're passionate about playing for the XFL.So, if you've ever wanted to be a professional football player, you can learn more here. 925

In yet another distressing milestone amid the COVID-19 pandemic, more than 1 million people globally have now died of the virus, according to a database kept by Johns Hopkins.The planet passed the milestone Monday, about nine months after the new disease was first identified in Wuhan, China.Around the world, more than 33 million people are confirmed to have contracted the virus. The planet reached the 1 million deaths threshold just days after the United States recorded its 200,000th death linked to the virus — a rate that continues to lead the world. The U.S. also leads all other countries with more than 7 million confirmed cases of COVID-19.With 142,000 fatalities, Brazil is the only other country with more than 100,000 COVID-19 deaths. Other countries with high death tolls include India (about 96,000), Mexico (76,077) and the United Kingdom (42,077).The U.S., India (about 6 million), Brazil (about 5 million) and Russia (about 1 million) lead the world with the most confirmed cases of the virus.Worldwide, COVID-19 is spreading at the highest rates since the pandemic began. On Thursday alone, about 361,000 people were confirmed to have contracted the virus — by far the most daily confirmed cases on record.Deaths have largely held consistent since the summer months.Public health officials urge people around the world to continue to wear masks, avoid crowds, stay six feet apart from others and opt for outdoor activities over indoor activities ahead of the winter months. With winter approaching in the northern hemisphere, officials are bracing for a spike in cases as people move indoors, where the virus is more likely to spread. 1662
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 will cost you a little more to drink on your next Southwest Airlines flight. Starting March 1, Miller Lite, Dos Equis, and wine served in the cabin will be . Liquor and premium beer (Fat Tire, Lagunitas, and the newest seasonal option, Leinenkugel's Summer Shandy) will be . All drinks on Southwest Airlines flights were . Coupons given out by the airline remain valid, regardless of the price. The airline will stay with tradition and keep complimentary drink days. Passengers can get a free drink on Valentine’s Day, St. Patrick’s Day, Southwest Airlines’ birthday (June 18) and Halloween. Southwest Airlines has not changed drink prices since 2009. Non-alcoholic drinks remain complementary. 747
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