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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

CALEXICO, Calif. (AP) — Authorities are investigating the death of a man who was hit by a vehicle driven by a U.S. Border Patrol agent near the U.S.-Mexico border. U.S. Customs and Border Protection says the incident happened about 8:40 p.m. Friday when the agent was driving to a spot along the border to investigate reports of people illegally crossing it. The agent’s vehicle hit a man who was lying in the road. The agent immediately rendered aid to the man until emergency medical services arrived. The agency says the man was first taken to a nearby hospital and then airlifted to a trauma center in Palm Springs, where he died. 642

CAMP PENDLETON (CNS) -- A 220-acre vegetation fire broke out Saturday at the Camp Pendleton Marine Base.Camp Pendleton Fire Department crews were working on containment at 5:08 p.m. but the forward rate of spread has been stopped, according to a tweet from Camp Pendleton. 280

CARLSBAD, Calif. (KGTV) — Joining Oceanside and California state beaches, Carlsbad city officials announced Friday that they will close beach parking lots for the July 4 weekend.The city says that beach parking lots will be closed July 4 and 5 in Carlsbad, over concerns of crowds from counties where beaches are closed traveling to the region.Carlsbad's decision comes after a letter from the Governor's Office of Emergency Services and days after Oceanside instituted a similar beach parking closure.RELATED: Crowds flock to San Diego beaches for Fourth of July weekendEarlier this week, San Diego County Supervisors said they did not plan to mandate county beaches to close and would leave it up to cities to decide themselves."At the time of writing, beaches under the jurisdiction of local governments within San Diego County are the only beaches without visitation restrictions throughout all of Southern California, and therefore are attracting thousands of residents from outside your coastal communities and creating significant potential for disease transmission, particularly in crowded restaurants, bars, retail, and hotels," Cal OES wrote in a letter to the cities of San Diego, Imperial Beach, Coronado, Del Mar, Solana Beach, Encinitas, Carlsbad, and Oceanside. "To protect the public health of San Diegans and reduce the high potential transmission of this deadly disease in San Diego coastal businesses, we write to request that municipal governments do not open beach parking lots for the July 4th holiday weekend."Beaches in Los Angeles, Orange, Santa Barbara, and Venture Counties are closed this weekend amid surging coronavirus cases in the state.California closed state beach parking lots, including those in San Diego County, ahead of Saturday. 1776

CAMP PENDLETON, Calif. (CNS) -- Three wildfires continued burning across open terrain on the grounds of Camp Pendleton Wednesday, sending plumes of smoke over northern San Diego County but posing no threats to military or civilian structures.The flames began spreading through training areas toward the center of the Marine Corps base on Monday.As of Wednesday afternoon, base officials said one of the fires, dubbed the Wood Fire, has burned 7,000 acres and is 20 percent contained.A second fire, called the India Fire, has burned 1,100 acres and is 20 percent contained.A third fire named the Range Fire is burning in the Range 706 Yankee impact area and has charred 500 acres, according to base officials.Base officials said the fires are expected to produce smoke through the remainder of the day, and the fires are not posing a threat on or off the base.Military firefighters have been aided by Cal Fire ground and airborne crews in their effort to corral the blazes.Officials have disclosed no cause for the fires. It is not uncommon for munitions training to set brushy native vegetation ablaze at the 125,000-acre USMC base north of Oceanside. 1159