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It doesn’t take much to upend many Americans’ finances. A car that won’t start, a furnace that dies or a trip to the hospital can leave households struggling to make ends meet.According to the Federal Reserve, 44% of U.S. adults say they would have trouble coming up with 0 to cover an unexpected expense. Even families who have more in the bank can flounder. Surveys by The Pew Charitable Trusts found that 51% of families with at least ,000 in savings reported trouble paying the bills after a financial shock.Yet it is hardly a shock if an appliance wears out or a car breaks down.It’s time to rethink what we mean by unexpected expenses. Some bills may be unpredictable in their amount or their timing, but they’re still inevitable. In other words: If you have a car, or a home, or a body, sooner or later it’s going to cost you.A better approach, especially for households currently living paycheck to paycheck, is to save for the most likely costs and have some kind of Plan B to handle the truly unexpected.Here’s how that might work with three of the most common unexpected expenses Pew found: 1119

It’s been four months since most of the nation’s schools abruptly shut down because of the COVID-19 pandemic. Now, schools are considering reopening, while COVID-19 cases continue to rise. So what’s changed that supposedly makes a return to campus safe?“Occasionally you have schools close because there's an outbreak of measles or flu or something like that, but not to this scale,” Dr. Elizabeth Hinde, Dean of the School of Education at Metropolitan State University of Denver, said.Districts are scrambling to figure out how to return to school this fall as COVID-19 continues to spread across the U.S.Back in March, almost every school was forced to close, a mindset much different than today's.So what has changed? We sat down with a global health affairs professor, an education expert, and an infectious disease doctor to look at the changes between now and four months ago.Within the span of a week, states told their schools to shut down.“When everything closed down in March, we were comforting a new disease, we were terrified at what it could do,” Dr. Sandy Johnson, director of the global health affairs program at the University of Denver, said.Little was known about COVID-19.“School closures are always a part of the mitigation strategy along with quarantine, stay at home orders, etcetera,” Dr. John Hammer, an infectious disease specialist at Rose Medical Center, said. “The difference between March and now is that we have a better sense of how the virus works. How it’s transmitted.”There’s more to this decision than a better understanding of the virus.“When we’re talking about whether or not schools should open, another factor is the loss in achievement and also there are equity issues that have really come to the fore” Dr. Hinde said.Kids finished the school year from home -- some didn't have the proper tools or the support of a school, opening the door for inequity.“We know that there are mental health issues,” Dr. Johnson said. “Our front line social workers that are looking for domestic violence and we know domestic violence has been going up. So there are many important roles in addition to education that come in those schools.” This also includes food and housing insecurity.Another factor in consideration -- teacher health.“These folks are balancing fear. Fear for their health, fear for the health of their families, with this real desire. They understand how important education is,” Dr. Johnson said.“There's just no definitive answers that principals and superintendents and teachers can lean on,” Dr. Hinde said.What was a state decision in the spring has now been put on the shoulders of school districts, as they weigh the pros and cons of returning to in-person learning.“Every school board, every school district, has to make a very tough decision. It is a very delicate balancing act,” Dr. Hammer said.“Local control is a strength in American schools, but it does make decision making very complex, because the superintendents of schools and principals are listening to all these different voices,” Dr. Hinde said.From teacher health and safety, to inequities in learning and the mental health of children, school leaders have a lot of elements to look at when it comes to opening classroom doors.“I think in the next couple weeks we’ll see decisions made,” Dr. Hinde said. “All of this, it’s a new world.” 3367

Is what some would call "living in sin" also living illegally? It is in Michigan, thanks to an old law.Some want to do away with the law that bans unmarried couples from living under the same roof.State Sen. Steve Bieda is leading the way to get ride of the antiquated law."It is actually one of the silliest laws we have on the books."The law was passed in 1931 to stop what it calls "gross lewdness." Unmarried, unrelated people of the opposite genders living together could face up to one year in prison and a ,000 fine.While it's hardly enforced, there is another reason to get it off the books."Because it's still statutory law, in certain tax situations, they have to consider that in doing their taxes."There have been unsuccessful attempts in the past to get rid of the law."It's an easy fix. There's a repealer statute in the senate committee. I'm hoping to get it out in the near future," Bieda added.Some say the law needs to go, but Michigan lawmakers should be focused on more important things.Mississippi is the only other state with a similar law, but lawmakers there are trying to do away with their law too. 1139

Ireland has voted an emphatic "Yes" to amend the country's constitution to enable legislation that would allow women to have an abortion in a historic and emotionally charged referendum.With a high turnout of 64.13%, 1,429,98, or 66.4%, voted for the amendment Friday and 723,632, or 33.6%, against, according to the country's Referendum Commission. The results that were announced Saturday defied earlier projections that it would be a tight race.Only one county voted no -- the rural and religiously conservative Donegal in northwest Ireland.The vote signifies a resounding victory for the government of Leo Varadkar, the Prime Minister, or Taoiseach as the office is called in Ireland."Today is a historic day for Ireland," Varadkar said at a press conference. "A quiet revolution has taken place, and today is a great act of democracy.""A hundred years since women gained the right to vote, today we as a people have spoken," he said. "And we say that we trust women and respect women to make their own decisions and their own choices." He noted that people in "almost every county, almost every constituency, men and women, all social classes and almost all age groups" voted to repeal the amendment. "We are not a divided country," he said.Chants of "Yes we did" rose from the crowd as the Referendum Commission's Returning Officer Barry Ryan announced the final results.It was a scene of jubilation as some supporters burst into tears. Others began laughing as they hugged one another and asked each other, "Can you believe we did this?"Emma Gallagher, 22, began crying as she heard the final results."I feel safe now, I feel comfortable," she told CNN. "It felt for a long time women didn't matter. ... Now we know that we matter."Rene Wogan, 66, held Gallagher's hand and told her, "It was all for justice. You're forwarding the flag on for women."Thousands of people packed the square in front of Dublin Castle as abortion rights politicians, including Varadkar, also joined the celebration.He told Sky TV he expected legislation to be voted through by the end of the year."I feel enormous relief and great pride in the people of Ireland who didn't maybe know what they thought until they were finally asked the questions," Ailbhe Smyth, a longtime women's rights activist, told CNN."It has been a long and very hard road, but we never lost sight of this because it's so central to the existence, and the selfhood and personhood of women to have that control of our own bodies."The Eighth Amendment, which was added to the constitution following a referendum in 1983, banned abortion in Ireland unless there was a "real and substantial risk" to the mother's life.Repeal of the amendment has completed a circle of sweeping social reforms in the European Union nation that fly in the face of the traditional teachings of the Catholic Church, from contraception to divorce, and most recently same-sex marriage.Roscommon, in the rural interior, the only county to say no to same-sex marriage, also voted yes in the abortion referendum.Thousands of Irish working abroad returned to Ireland to cast their vote.Those opposed to abortion vowed Saturday to take their fight now to the Irish Parliament, where lawmakers will have to bring about legislation allowing for terminations in the first 12 weeks of pregnancy -- and later in cases where there is a risk to the mother's life or the fetus is not expected to survive.Dr. Ruth Cullen, spokeswoman for the anti-abortion LoveBoth campaign, conceded defeat Saturday before the count had finished."We will hold the Taoiseach to his promise that repeal would only lead to abortion in very restrictive circumstances. He gave his word on this, now he must deliver on it. No doubt many people voted for repeal based on the Taoiseach's promises in this regard," Cullen said at a press conference Saturday.The death of an Indian dentist ignited the abortion rights campaign in Ireland. Savita Halappanavar, 31, died in 2012 because of complications from a natural miscarriage after abortion was denied to her.Voters over 65 were the only age group overall not supporting the repeal of the amendment.Ireland's vote will likely put pressure on Northern Ireland to change its abortion laws, too. Despite Northern Ireland being part of the UK, the 1967 Abortion Act legalizing abortions never applied there, and even victims of rape and incest are forced to travel to mainland Britain if they want a termination.The-CNN-Wire 4478

It's been almost a year since Vince McMahon announced the return of the XFL, and the first eight cities are expected to be announced on Dec. 5, but for those who want to play in the league, you can now apply.Under the XFL careers page, there is an application for those who want to be players. "We are looking for talented, hungry players to join a fan first, innovative and progressive new league, the XLF!" the website reads. They're preparing for their inaugural season in 2020.The application looks just like a normal job application and asks for your name, email, phone number, city, resume/CV and college. It also asks for the primary position you play, your agent name, the last year you played professionally, links to game film and much more. One question asks why you're passionate about playing for the XFL.So, if you've ever wanted to be a professional football player, you can learn more here.  925