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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

Caterpillar could eliminate nearly 900 jobs in the US and Central America, the company said on Friday.Job cuts will happen at locations in Texas and Panama as part of a restructuring, a spokeswoman said. Employees were notified earlier this year, she said.The heavy equipment manufacturer also said it is "contemplating the closure" of an engine factory in La Grange, Illinois, which is part of its subsidiary Progress Rail, a supplier of railroad and transit products. The closure, if it happens, would eliminate 600 full-time jobs in engine manufacturing. The company said it might be "transitioning" its rail manufacturing to facilities in Winston-Salem, North Carolina, as well as "outside suppliers." The company said the employees were informed in January.Caterpillar is planning to close its work tools facility in Waco, Texas, by the end of 2018, eliminating 200 job and contractor positions there, the company said. The employees were notified last month. The company plans to move the manufacturing to Wamego, Kansas, and also to "external suppliers."Caterpillar also confirmed that it's closing a facility in Panama, and that 80 jobs will be eliminated. The company said these workers were informed in January.The cost-cutting measures come even as a growing global economy is boosting demand for its heavy-duty equipment. The company reported in January that quarterly sales grew 18%, its first increase since 2012.Sales in North American grew by 46% driven by selling and leasing machinery for home building, infrastructure and for the oil and gas industries. Sales were also boosted by increased spending in China.The company added 3,000 employees last year to meet demand, bringing its total workforce to 98,000. 1735

BURBANK, Calif. (AP) — Long-running satirical publication MAD magazine will be leaving newsstands this fall. Really.The illustrated humor magazine will still be available in comic shops and through mail to subscribers — but after its fall issue it will just reprint previously published material.The only new material will come in special editions at the end of the year.DC, the division of Warner Brothers that publishes the magazine, said MAD will pull from nostalgic cartoons and parodies published over the magazine's 67-year run.The company also said it would still publish MAD special collections.Illustrators and comedians, including one-time guest editor "Weird Al" Yankovic, mourned the magazine's effective closure online."It's pretty much the reason I turned out weird," he said on Twitter. 809

CAMPO, Calif. (KGTV) -- Three people were taken to the hospital and two others are in custody after a Border Patrol chase led to a crash in Campo Tuesday night. According to Border Patrol, agents tried to stop a 23-year-old San Diego resident driving a blue Mazda MPV around 5:05 p.m. near Old Highway 80 and McCain Valley Road for possible immigration-related violations. The driver refused to stop, sparking the chase. During the chase, agents say the woman drove onto Shasta Way at a “high rate of speed” before driving over a dip and losing control of the vehicle. RELATED: Two dead after car, semi-truck collide in Otay MesaThe woman then crashed into a steel fence and hit a utility pole, causing the car to flip over, agents say. According to border patrol, the 23-year-old had minor injuries and was taken to the hospital. Border Patrol says four men were found in the back of the vehicle. The men are between the ages of 24 and 39 and all claim to be residents of Mexico. Two of the men were taken to the hospital for treatment while the other two were taken into custody after refusing medical aid, Border Patrol says. 1139

CHARLOTTESVILLE, Va. (AP and KGTV) — Dozens of activists gathered Sunday morning in Charlottesville City Park to protest racism and observe the one-year anniversary of a deadly rally. The Rev. Seth Wispelwey is a founder of a group of clergy and lay people called "Congregate C-ville" last year. The group came together in direct response to white nationalists who gathered in Charlottesville for a "Unite the Right" rally on Aug. 12, 2017.That day, white supremacists clashed in the city before a car was driven into a crowd, striking and killing 32-year-old Heather Heyer. Photos of the day show violence erupting in the streets as groups clashed, launching pepper spray and punches at one another. PHOTOSFILE: Rally turns deadly in CharlottesvilleProtesters gather on one year anniversary of deadly Charlottesville rallyWispelway says the city's residents are still reeling from the violence that day, but he expressed hope that the anniversary can be a turning point.One day after tensions grew between police and community activists on the University of Virginia's campus. The city of Charlottesville plans to mark Sunday's anniversary with a rally against racial hatred. RELATED: Suspect in Charlottesville rally killing charged with hate crimesMore than 100 miles away in Washington D.C., an organizer of last year's "Unite the Right" event plans to hold a "white civil rights rally." Police have responded by preparing for counterprotests. Jason Kessler abandoned plans for a similar anniversary event in Charlottesville. His Washington permit application says he expects 100 to 400 people Sunday afternoon in Lafayette Park, near the White House.RELATED: Virginia governor declares state of emergency in Charlottesville on anniversary of deadly ralliesLeading figures of the white nationalist movement said they won't attend or encourage supporters to stay away. Permits have also been issued for counterprotests as police prepare for the worst. Watch video from the scene in the player below: 2045