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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

CAMPO (CNS) - One person was killed today in a traffic crash involving an overturned semi-truck on State Route 94, the CHP said.The fatal crash happened at 12:06 p.m. Saturday when a semi-truck was reported on its side in the right shoulder of SR-94 west of Buckman Springs Road with no other vehicles involved, according to a California Highway Patrol incident log.Caltrans San Diego said all lanes of eastbound and westbound SR-94 were blocked and asked travelers to use an alternate route. The CHP said the freeway would probably be closed for a couple of hours while investigators look into the cause of the crash.No further information was available. 663

CHENGDU, China (AP) — The U.S. closed its consulate in the southwestern Chinese city of Chengdu on Monday, a victim of the rising tensions between the global powers. China ordered the mission closed in retaliation for a U.S. order to shut down the Chinese Consulate in Houston. The tit-for-tat closings marked a significant escalation in the multiple disputes between the countries over a range of issues, including trade, technology, security and human rights. A State Department statement expressed disappointment, saying the consulate “has stood at the center of our relations with the people in Western China, including Tibet, for 35 years." 653

Chadwick Boseman’s battle with colon cancer ended on Friday as the 43-year-old star of “Black Panther” died at his home in Los Angeles.The stunning news drew an immediate reaction from Hollywood. 203

Carne asada is coming back to Chipotle’s menu. Citing strict sourcing standards, Chipotle says the meat option will only be around for a limited time.Between September 24 and 27, carne asada will only be available on digital orders. It will be available in restaurants on September 28.Chipotle offered the protein option for a few months at the end of 2019 and into 2020. They report it was one of their fastest-selling proteins, with more than 10 million servings. It was so popular, Chipotle restaurants ran out of the option earlier this year."To bring back Carne Asada to our menu, we underwent an extensive vetting process to find more suppliers that meet our stringent Food with Integrity standards," said Chris Brandt, Chief Marketing Officer in a company statement.“Only 5% of U.S. beef meets Chipotle's strict sourcing standards for Carne Asada, which means it comes from animals given no antibiotics or added hormones and that are raised responsibly,” a company statement reads.The premium steak will also return to Canadian menus and debut in France. 1069