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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

By now you’ve?heard: WB?isn’t going to?Hall H?this?year. We’re so sad to miss you there! And waiting until Dec. to start our official?#WW84?campaign in full--??But the truth is… we can just… barely… wait… pic.twitter.com/QllFzhYRA6— Patty Jenkins (@PattyJenks) June 5, 2019 287

California Attorney General Xavier Becerra and top education leaders in the state announced Thursday that California was suing the Trump administration in an attempt to stop a directive that would force international students to leave the country should their schools conduct classes exclusively online.Immigrations and Customs Enforcement (ICE) announced on Monday that students on F-1 and M-1 visas would either need to leave the country or transfer to a school where in-person classes were taking place or else face deportation."Shame on the Trump Administration for risking not only the education opportunities for students who earned the chance to go to college, but now their health and well-being as well," Becerra said in a press release. "Today, President Trump appears set to do just that — amidst a global pandemic of historic proportions. Not on our watch."Becerra was joined in the lawsuit by the chancellors of both the state's university and community college systems.California is the first state to file a lawsuit against the directive. Harvard and MIT filed lawsuits against the administration earlier this week.NBC News reports that there were more than 40,000 international undergraduate and graduate students during the 2019 fall semester.According to NAFSA: Association of International Educators, international students contributed billion to the U.S. GDP during the 2018-19 school year. 1422

CAMP PENDLETON (CNS) - The commander of I Marine Expeditionary Force today relieved from duty the commander of a landing team involved in a training accident that killed nine young servicemen in the ocean near San Clemente Island last summer, the Marine Corps announced. USMC Lt. Gen. Karsten Heckl removed Lt. Col. Michael Regner from his post as commanding officer of Battalion Landing Team, 1st Battalion, 4th Marine Regiment, 15th Marine Expeditionary Unit ``due to a loss in trust and confidence in his ability to command'' following the sinking of an assault amphibious vehicle about 80 miles west of Encinitas.``Although the command investigation (into the accident) has compiled a substantial amount of information and data which formed the basis for Heckl's decision, it is still ongoing as the Marine Corps continues to investigate, assess all relevant information and take appropriate actions,'' I MEF public affairs advised in a prepared statement.The amphibious troop-transport vehicle carrying the Camp Pendleton- based personnel -- seven Marines and a Navy sailor, ranging in age from 18 to 22 -- foundered for unknown reasons about 5:45 p.m. July 30 during a maritime training mission and went down in water nearly 400 feet deep. Seven other members of the crew survived.The naval Undersea Rescue Command recovered the victims' remains from the sea floor eight days later.The Marine Corps has not released an official determination of the cause of the accident. 1485

CBP officers later extracted approximately 3,014 pounds of methamphetamine, 64 pounds of heroin, 29 pounds of fentanyl powder, and almost 37 pounds of fentanyl pills, worth an estimated .2 million. 207