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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) - A video of kids from around the country giving thanks to emergency workers during coronavirus has gone viral in a way that its creator never imagined."I really think that when given the opportunity, the kids stepped up to the plate," says Sarah Hunter, a teacher at Sage Creek High School.She saw other people posting pictures of their kids with signs of gratitude and thought her kids could do something similar. It was a way to inject some creative activity into their days at home.RELATED: Teacher takes story time online in midst of coronavirus pandemic"They were all in," she says. "My three drew little pictures. They sat down and recorded what they had drawn and gave their little messages."Before posting that, she asked friends and family on Facebook to do the same with their kids. People from all over the country responded quickly."I think I posted it like 9 am, and by noon I got a bunch of people sending me videos," Hunter says.RELATED: Girl Scouts move cookie sales, donations to responders onlineShe edited it together and was proud to see how the kids found innovative ways to give thanks. In just a few days, the video has more than 300 views."It's such a testament that the kids are all right," she says. "They get it. They understand. It's a lot for them to wrap their heads around this whole COVID-19 situation, but they understand that there are people out there working hard to keep us safe and to keep us fed."In just a few days, Hunter hopes the kids can be an inspiration to others during the pandemic.RELATED: Teachers use technology to bring the classroom online during stay home order"This is bigger than us. It's about taking care of each other. It's about reaching out and staying connected and ultimately saying thank you," says Hunter. "If we can't express gratitude and just take a moment out of our day to say thank you, then what do we have?"See the full video below: 1938

CHARLOTTE, N.C. (AP) — Jimmie Johnson is the latest NASCAR superstar to climb out of his car, with the seven-time champion announcing Wednesday that 2020 will be his final season of full-time racing.The winningest driver of his era will have a 19th season in the No. 48 Chevrolet and once again chase a record eighth championship. Johnson made the announcement in a video on social media.“I am so thankful for 18 incredible years of racing in NASCAR,” Johnson said in the black-and-white video comprised of highlights from his career. “This sport has been good to me and allowed me to do something I truly love. I showed up chasing a dream and achieved more than I thought possible. I am looking forward to next season and celebrating what will be my last year as a full-time Cup driver. I know what this team is capable of and I hope 2020 is one of the best yet.”#Chasing8 one final time pic.twitter.com/ZoldabKy9M— Jimmie Johnson (@JimmieJohnson) November 20, 2019 Johnson joins an exodus of popular drivers that began when Jeff Gordon retired after the 2015 season. Tony Stewart, Dale Earnhardt Jr, Carl Edwards, Matt Kenseth, Danica Patrick and Jamie McMurray are among those who followed Gordon.Johnson, whose social media post carried the hash tag “Chasing8 one final time,” scheduled a Thursday news conference at Hendrick Motorsports to discuss his decision. It will be a familiar farewell scene for the team since both Gordon and Earnhardt were Hendrick drivers.Johnson had two years remaining on his contract when new sponsor Ally signed on before this year to replace Lowe’s, which had sponsored Johnson from his 2001 debut through 2018. Ally last month announced a three-year extension to sponsor the No. 48, but Johnson’s future was not tied to the renewal through 2023.“Jimmie Johnson is a legend in racing, the epitome of class and the ultimate representative of our brand,” said Andrea Brimmer, chief marketing officer at Ally. “We are proud that Jimmie will finish his remarkable NASCAR driving career with Ally as his primary sponsor.”Johnson has 83 career victories, tied with Cale Yarborough for sixth all-time. The California native’s seven titles are tied with Richard Petty and Dale Earnhardt for most in the Cup Series.The 44-year-old Johnson has been in a two-year slump and last won a race in 2017. He had two different crew chief changes this season and missed the playoffs for the first time since the format began in 2004.Johnson finished 18th in the final standings and has just five top-five finishes the last two years. He won his seventh title in 2016.Johnson has driven for Rick Hendrick his entire Cup career and set a NASCAR record in winning five consecutive titles from 2006 through 2010, an accomplishment that earned him Associated Press Male Athlete of the Year after his fifth crown.All 83 of Johnson’s wins have come in the No. 48 and include two Daytona 500s, four victories at Indianapolis Motor Speedway, a record 11 wins at Dover International Speedway, nine at Martinsville Speedway and eight at Charlotte Motor Speedway. 3077

California's attorney general sued Sutter Health, accusing the hospital giant of illegally quashing competition and for years overcharging consumers and employers.The lawsuit marked a bold move by state Attorney General Xavier Becerra against the dominant health care system in Northern California as concerns mount nationally about consolidation among hospitals, insurers and other industry middlemen."It's time to hold health care corporations accountable," Becerra said at a news conference Friday. "We seek to stop Sutter from continuing this illegal conduct."The antitrust suit, filed in San Francisco County Superior Court, asks the court to prevent Sutter from engaging in anticompetitive practices and "overcharges."It said Sutter employs a variety of improper tactics, such as gag clauses on prices, "punitively high" out-of-network charges and "all-or-nothing" contract terms that require all of its facilities to be included in insurance networks.Taken together, Sutter's actions "improperly block any and all practical efforts to foster or encourage price competition between Sutter and any rival Healthcare Providers or Hospital Systems," according to the state's complaint. "Sutter's conduct injured the general economy of Northern California and thus of the state.Sutter, which owns 24 hospitals, reported net income of 3 million last year on .4 billion in revenue. Sutter's nonprofit health system also has 35 surgery centers, 32 urgent-care clinics and more than 5,000 physicians in its network.In a statement, Sutter it was reviewing the complaint and couldn't comment on specific claims.Overall, Sutter said, "healthy competition and choice exists across Northern California" for consumers seeking medical care. It also said its charges for an inpatient stay are lower than what other nearby hospitals charge."Sutter Health is proud to save patients, government payers and health plans hundreds of millions of dollars each year by providing more efficient and integrated care," the statement said.This high-profile legal fight caught the attention of employers and policymakers across the country amid growing alarm about the financial implications of industry consolidation. Large health systems are gaining market clout and the ability to raise prices by acquiring more hospitals, outpatient surgery centers and physicians' practices.Martin Gaynor, a health care economist at Carnegie Mellon University, said California's lawsuit may portend more litigation at the state level."There are a number of markets in the U.S. that are dominated by one very large, powerful health system," Gaynor said. "It could be that we're going to see a new level of activity by state antitrust enforcers looking at competition in their own backyards."Glenn Melnick, an economist and expert on hospital finances at the University of Southern California, said if the state prevails against Sutter it could put "a chill on anticompetitive practices that are being adopted across the U.S. and that could help slow down hospital price increases. That would be good news for consumers."The complaints about Sutter's high prices and market power have persisted for years.The state said its investigation started in 2012 under Kamala Harris, California's previous attorney general and now a U.S. senator. Six years ago, her office sent subpoenas to several health systems and insurers seeking information about market concentration and its effect on medical prices.A 2016 study found that hospital prices at Sutter and Dignity Health, the two biggest hospital chains in California, were 25% higher than at other hospitals around the state. Researchers at the University of Southern California said the giant health systems used their market power to drive up prices — making the average patient admission at both chains nearly ,000 more expensive.Last week, researchers at University of California, Berkeley issued a report that examined the consolidation of the hospital, physician and health insurance markets in California from 2010 to 2016. The authors said 44 of California's 58 counties had "highly concentrated" hospital markets.After the report was issued Monday, Becerra said his office would be reviewing those findings and pledged to apply more scrutiny to health care mergers and anti-competitive practices across the state.Sutter Health has gobbled up doctors' practices across the Bay Area, gaining market muscle that has pushed costs upward. Obstetricians employed by Sutter Health, for example, are reimbursed about three times more for the same service than independent doctors, according to a KHN review of OB-GYN charges on several insurers' online cost estimators. It's a key reason why Northern California is the most expensive place in the country to have a baby.At his news conference, Becerra said he's committed to scrutinizing other players besides Sutter in the health care industry who may be engaging in anticompetitive behavior and potentially harming consumers.Consumer advocates and state lawmakers applauded Becerra's aggressive action because of the toll high prices take on millions of Californians. Many residents struggle to pay rising insurance premiums and out-of-pocket expenses for emergency room visits or routine hospital tests."Consumers bear the burden of these monopolistic activities," said state Sen. Ed Hernandez (D-West Covina), chairman of the Senate health committee. "To ensure health care is affordable and accessible to all, we have to get a handle on predatory pricing."In many ways, Becerra's lawsuit mirrors a similar civil case filed in 2014 by a grocery workers' health plan.The attorney general's office filed a motion in court asking for its lawsuit and the class action to go to trial together before the same judge. The trial is scheduled for June 2019 in San Francisco."While we certainly would have preferred this happened earlier, we respect the attorney general's care in conducting a thorough investigation before filing charges," said Richard Grossman, the lead plaintiffs' lawyer representing the class of more than 1,500 employer-funded health plans.In its lawsuit, the attorney general's office blamed Sutter for much of the increase in health care costs across Northern California because "Sutter embarked on an intentional, and successful, strategy of securing market power in certain local markets." State lawyers also pointed out that Sutter's conduct triggered an "umbrella effect" by encouraging other providers to raise their own prices.The state's lawsuit said Sutter used its windfall from excessive prices to acquire more hospitals and medical groups. It also enabled Sutter to "bestow extremely high salaries for its officers and upper management," according to the state complaint.Patrick Fry, Sutter's chief executive from 2005 to 2016, had .4 million in total compensation during his last year there, according to Sutter's 990 tax filing for 2016, the most recent year available.Overall, 18 executives at Sutter had million or more in total compensation during 2016, the federal tax filing shows.Karen Garner, a Sutter spokeswoman, said Fry's compensation in 2016 reflects retirement benefits he accrued over many years. She added that "industry comparisons show our salaries are reasonable and competitive, given the size, scope and complexity of our organization." 7370

California is still counting ballots more than three weeks after Election Day.The slow counting process has been underscored by a series of House races in California carrying on for days past November 6. Now, the only remaining uncalled US House race is in California's 21st Congressional District.There, Republican Rep. David Valadao trails Democratic challenger TJ Cox by 506 votes -- or about half a percentage point -- with votes still being counted. If Cox holds on to win, it would give Democrats a net pickup of 40 House seats this year.So why is the process so slow?California officials say the effort is built with a series of safeguards, many of which don't exist in other states. The bottom line: California's vote-counting process is built to take a long time."The philosophy here is, while it may take a little bit longer to finish counting ballots in California, the policies are in place to ensure that all votes can be properly processed and added to the tally -- and I guess better said, that all voices can be heard in the political process," California Secretary of State Alex Padilla said in a phone interview Wednesday.The state's laws give its voters, about two-thirds of whom cast their ballots by mail, more time to send in their ballots. As long as they are postmarked by Election Day and arrive at county elections offices by Friday -- three days after the election -- they're counted.California also requires counties to give voters time to fix any issues with their ballots -- such as a missing signature -- and requires counties to contact those voters to inform them of any problems.When voters mail ballots to the wrong county, those counties are required to send them to the right one.The state allows same-day voter registration. It also allows those whose names do not appear on voter rolls due to clerical errors -- as Los Angeles County had in June, when a printing error left 118,000 names of registered voters off the rolls for the primary -- to cast provisional ballots that must then be checked out.Then, there's the reality that the state with the nation's largest population and 58 counties, with varying staffing levels, simply have more ballots to count.About 7.4 million ballots were counted on election night. But as of the end of election week, there were still 4.8 million mailed-in ballots left to count, the secretary of state's office said after surveying the counties.Padilla said there is a "sequencing" to the count -- with ballots mailed into the correct counties with no errors tallied quickly, and elections officials now "on the more time-consuming manual ballots to be processed."An end is coming, though. Two key deadlines loom: December 7, when counties must certify their election results, and December 14, when the secretary of state certifies the election.Any voter in California can request a recount but must foot the bill for it. The state doesn't have automatic recounts for close races.Padilla says he hears occasional frustration from voters that it takes so long to tally the results in California's closest races. But after explaining the state's procedures, he said, "most people do settle with, it's smarter to get it right." 3207

来源：资阳报