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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 is a county-approved program that is supposed to help you pay for energy efficient home improvements, but some homeowners blame the program for big tax increases they cannot pay. At least three homeowners who received financing through the PACE (Property Assessed Clean Energy) program say they were misled. The PACE program allows you to pay for home improvements, like solar panels, through your property taxes.  Maria Silva said her Del Cerro home is her life. “It’s very important… it’s my home for 28 years,” Silva said.  It is a home she is in danger of losing. Silva said it started with a man coming to her doorstep about two years ago. Silva said he offered a deal on home improvement projects like double pane windows.  At first, she said no. However, she said the salesman was persistent. For Silva, it was more than a money problem.  She is legally blind. She wanted to wait for her son.  “He told me well, this promotion ends,” Silva said of the salesman.  She said she told the man she was visually impaired, but he told her not to worry and he “was going to read everything for [her].” She did not want to miss out on what she thought was a good deal. At the time, Silva said she was told she would be paying no more than ,000 a year. Silva said she understood the payment would be going on her property tax, but when she got the bill, it showed an increase of more than ,000 this year.  “It seems very predatory,” said her son, Allan Silva.  On top of that, Allan Silva says the company who upgraded their air conditioning unit never removed the old one like promised. “It kind of seems like some shady things happened to my mom,” Allan Silva said. Carolyn Reilly with Elder Law and Advocacy has heard of deception with this program.  “They're telling them it's a free product, it's a free government program,” Reilly said. Reilly said loans are approved for seniors on fixed incomes who cannot afford them and she’s handling many cases from the elderly who say financing was not explained.  “They're desperate because at some point, it's going to lead to foreclosure for them,” Reilly said. One Poway woman, who did not want to use her name, said she wound up with a ,000 bill added to her taxes. She said A1 Solar sold she and her husband on solar panels, but she had no idea a lien would be placed on her home in addition to increased taxes. She also alleges that her husband was not the one who signed the documents. “I was not happy with the salesman coming in and going to the computer and signing Jim's name to the documents. I don't think Jim fully understood what was happening,” she said. Her husband, Jim, is dealing with numerous medical issues. Michele Glen is their caretaker and also signed on with A1 Solar. Team 10 examined the contracts, which say the amount would be added to the homeowner’s property tax. However, Glen said the salesman “rushed [them] through it.” “He says, everything is fine,” Glen said.  Team 10 called the salesman they say went to their home. He said he had nothing to do with A1 Solar and hung up before Team 10 could ask any more questions. According to the Contractors State License Board, A1 Solar’s license was suspended for multiple complaints, including misrepresentation to obtain a contract. A lawyer who worked for the company says A1 Solar is now out of business. San Diego County Supervisor Dianne Jacob said the PACE program has generated about 0 million in projects and has created thousands of jobs. She has received a few complaints, but believes overall, the program is working. “Frankly, if there are bad apples in the barrel, you need to get them out of the barrels,” Jacob said. She told Team 10 the county will continue with the PACE program because overall it has “been very helpful to a lot of people.” Experts at the Approved Home Pros, a contractor’s association, say the PACE program can be a good fit for some homeowners, but it is important to be educated before committing to it.  Recently, Governor Brown signed legislation that aims to provide more oversight and strengthen consumer protections with the PACE program.     4297

Is your child ready for a car seat upgrade? Target is here to help! For a limited time, Target is making it easier for you to get rid of your old car seats and save on new ones with their car seat trade-in event. They're bringing back their popular event at Target stores across the country beginning April 22 and running through May 5. All you have to do is bring in an old or unwanted car seat to your local Target store and you'll get a 20% off coupon to use toward a new car seat, booster seat, car seat base, travel system or stroller from their stores or online.Just bring your used car seat to the drop-off box located near Guest Services and a team member will give you your coupon. Every guest can get one coupon per seat dropped off and the coupon is eligible through May 19, 2018. So what happens to the old car seats? Target gives them to Waste Management who recycles them to create new things like grocery carts, plastic buckets and construction materials.  1004

In some ways, thanks to the COVID-19 pandemic, Cyber Monday began weeks ago when online retailers began pushing holiday sales in mid-October. But forecasters are still projecting that Monday will be the biggest day of online sales ever recorded in the U.S.Online retailers are projected to sell .7 billion in goods on Monday, a figure that would represent year-to-year growth of 35%. Sales on Cyber Monday would outpace those made on both Thanksgiving and Black Friday.Several major retailers announced earlier this year that they would remain closed on Thanksgiving in the hopes of avoiding crowds, marking a stark change from recent years. In addition, the Associated Press reports that Black Friday crowds were thin across the country, as many Americans shopped online to avoid crowds. In fact, retailers like Walmart and Best Buy made Black Friday deals available online to limit the number of people in stores.However, Americans don't appear ready to slow down spending for Cyber Monday. Adobe Analytics predicts that Cyber Monday spending will break the billion for the first time in 2020. For context, the first time Americans spent billion on Cyber Monday came in 2012.Adobe also reports that 42% of online shopping will be done by smartphone this year — a year-over-year increase of 55%. 1314

INDIANAPOLIS —  When educators lose their licenses due to misconduct, that doesn’t necessarily mean they can no longer work with children in Indiana.Todd Boldry, a teacher and basketball coach in Knox County schools, was arrested and charged for child seduction. The state revoked his teaching license in 2013 when Boldry voluntarily surrendered it in exchange for prosecutors dropping the criminal charges.Boldry went on to work with teens as a basketball coach for Indiana Dawgz, a travel team in northwest Indiana.While schools have to perform background checks when hiring, there’s no standard procedure for non-school sports teams, churches, volunteer groups, and other organizations.“It would surprise me very little,” said Mike McCarty, a former detective and owner of Safe Hiring Solutions, a Danville company that runs background checks on school employees.“Most volunteer organizations that work or serve with children, it’s a policy issue, it’s not a law issue,” McCarty said. “There’s no standard requirement and there’s no standard for what a background check is."McCarty said many groups make the mistake of relying on the state’s sex offender registry before hiring.“These registries can be terribly outdated, and they vary from state to state,” he said. “It’s very easy to be a convicted sex offender but not be required to register as a sex offender based on plea agreements or a reduction in sentence.”Some educators who lost their state licenses after they were convicted of crimes against children were not on the sex offender registry.Bruce Ryan was convicted in 2011 of sexual misconduct with a minor after an inappropriate relationship with a student at Charles A. Tindley School, but he’s not on the sex offender registry.Former MSD of Wayne Township administrator John Maples was convicted in 2013 of disseminating matter harmful to minors.Maples lost his educator license, but he’s not on the sex offender registry.Similarly, ex-IPS counselor Shana Taylor, accused of having sex with students, lost her state license, but is not on the sex offender registry after pleading guilty to three felony counts of dissemination of matter harmful to minors.Since 2012, the Indiana Department of Education has revoked or suspended the licenses of 108 educators including teachers, counselors and administrators.The top reason – child seduction.ISTEP impropriety, sexual misconduct with a minor, battery, child pornography and child exploitations were among the other reasons for educators losing their licenses to work with children.Under state law, the Indiana Department of Education automatically and permanently revokes licenses after certain offenses, such as child molesting, child solicitation, child exploitation, sexual misconduct with a minor and rape. 2791