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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

CARDIFF, Calif. (KGTV) - Three boys are recovering from an angry wasp attack at a park in Cardiff.Along Windsor Road, feet from an elementary school, five boys between 7 and 14 years old were inside a private park in the Park Place community two Sundays ago. They were about a 100 feet from the fenceline along Windsor Road. Frank Bocchini's son was the oldest boy in the group."Doing what young boys do, exploring and having fun in nature," said Bocchini.The fun quickly turned into a nightmare."He saw the wasps and told the young boys to stay away from there," said Bocchini.Bocchini's son was the first to see the insects near a tunnel structure. "The wasps reacted quickly after he said that. It was a nest that quickly turned into a swarm...screaming and crying, because they were getting hit," said Bocchini.Three of the five kids were stung, including two 7-year-old boys who were stung dozens of times."The older boys were trying to get the wasps tangled in the young boys' hair," said Bocchini.Bocchini's son and another boy frantically tried to help the other children. "At one point, the whole jacket was covered in wasps on this young boy. He told the boy to take the jacket off and run," said Bocchini.That boy did, and eventually ran out of harm's way."He was upset and scared," said Bocchini. The 7-year-old boy ended up in the emergency room with 24 stings and hives on his body. The incident unfolded as wasp season should be wrapping up. Experts tell us the hot weather has extended the season along with the dangers.The property management company for Park Place confirmed a pest service relocated the yellow jackets. Experts say you should run from wasps, and running through trees and bushes may help slow them down. If you're stung, don't take the stinger out with tweezers. Instead, scrape it out with a credit card so you don't push more of the venom into your body. 1899

BUFFALO, N.Y. (WKBW) — The U.S. International Development Finance Corporation says a deal Eastman Kodak landed to bolster US-produced drug supply is now on hold due to "recent allegations of wrongdoing."It was announced July 28 that Kodak would receive a 5 million federal loan to aid the U.S. in reducing its reliance on other countries for ingredients used in generic drugs.“We must never be reliant on a foreign nation for America’s medical or other needs,” President Donald Trump said at the White House.Kodak's stock price surged prior to the announcement being made, which led to questions of the possibility of insider trading.The Wall Street Journal is reporting the SEC has opened a probe.In a tweet Friday, the DFC released a statement saying in part that it will not proceed further until the allegations of wrongdoing are cleared. 853

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

Calling up a restaurant to order takeout is so old school. Now, there are apps that allow you to skip the phone call and get your food delivered straight to your door with just a few taps on a phone screen.We looked at some of the top food delivery apps to find out which is the best one to download. The apps include Postmates, Uber Eats, Door Dash and Eat 24.All four apps have slight differences when it comes to restaurants, fees and how easy they are to use. Not every app has the same restaurants on them, so you might have to use an app that has the restaurant of your liking.Door Dash was the simplest app to use because there weren’t that many choices or suggestions to help you choose what to eat.Eat 24, like many of the other apps offered food categories like American, Asian and Mexican to help you narrow down your choices.We found when placing your order on each app you had to add your credit card and address, but for Uber Eats you did not. If you have an Uber Ride Share account, it's automatically synced up to that app. It cut the ordering time in half if you were a new user.Although we used Postmates for ordering food, we learned you can use the app for ordering anything. Some use Postmates to order clothes to be picked up or getting an item from the drug store delivered to their house.No matter which app you use there’s a place to save money by adding a promo code. But, you’ll need to watch out for hidden service fees outside of the usual delivery and tax fee.A great feature all the apps have are alerts or push notifications letting you know where your food is and when it will be delivered.Almost every app delivered the food we ordered 10 minutes earlier than their estimated arrival time. Uber Eats delivered right on schedule.  After testing out each food delivery app, we concluded it’s best to download a few apps to meet all your needs. 1893

来源：资阳报