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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 (CNS) - The federal government today broke ground on the first border wall replacement project awarded under President Donald Trump.Customs and Border Protection is replacing a 2.25-mile section of border fencing constructed in the 1990s using scrap metal with a 30-foot-high bollard-style wall just south of downtown Calexico. The project covers an area west of the Calexico West Port of Entry, according to the agency.This project ``is one of Border Patrol's highest priority projects,'' according to a CBP statement ``Although the existing wall has proven effective at deterring unlawful cross-border activity, smuggling organizations damaged and breached this outdated version of a border wall several hundred times during the last two years, resulting in costly repairs.'' 794

CHARLOTTE, N.C. (AP) — NASCAR has cleared Kyle Larson to return in 2021, ending his long suspension for using a racial slur while playing a video racing game. “NASCAR continues to prioritize diversity and inclusion across our sport,” the sanctioning body said in an official statement. “Kyle Larson has fulfilled the requirements set by NASCAR and has taken several voluntary measures, to better educate himself so that he can use his platform to help bridge the divide in our country," NASCAR said in a press release. "Larson’s indefinite suspension has been lifted. Under the terms of his reinstatement, he will be cleared to return to all NASCAR racing activities effective January 1, 2021.”Larson was suspended in April after he used the n-word while playing an online racing game in which viewers could follow along. According to the Associated Press, Larson lost communication and during his mic check, he said “you can’t hear me?” That was followed by the N-word.He was dropped by his sponsors and fired by Chip Ganassi Racing. Larson, who is half-Japanese, spent the last six months immersed in diversity programs that helped him gain an understanding of racial injustice. He did not apply for reinstatement until last week. 1240

CARMEL VALLEY, Calif. (KGTV) — A Silicon Valley tech CEO is apologizing after he made racist comments and cursed at an Asian-American family that was celebrating a birthday. Raymond Orosa, his wife Jordan Chan, and their kids were celebrating her birthday on July 4th at the Lucia Restaurant & Bar in Carmel Valley, when they say a white man started yelling racist things about Asians.The incident was captured on a video that shows the man cursing and hurling racist insults and the server ordering him to leave."Trump is going f*ck you," the man is heard telling the group. "You f*cking Asian piece of sh*t.""The man in the video is Michael Lofthouse, a CEO of Bay Area-based cloud computing startup Solid8.In a statement issued to media, Lofthouse admits making the comments and says he will be reflecting on his behavior.“My behavior in the video is appalling,” the statement read. “This was clearly a moment where I lost control and made incredibly hurtful and divisive comments. I would like to deeply apologize to the Chan family. I can only imagine the stress and pain they feel. I was taught to respect people of all race and I will take the time to reflect on my actions and work to better understand the inequality that so many of those around me face every day.”The video was published on Instagram earlier this week by a family member who attended the party. Jordan Chan said Lofthouse continued his tirade well after the video ended."FYI he had a LOT more to say after I stopped recording," Chan said in her Instagram post. "It is no coincidence that this man has the audacity to showcase such blatant racism on the 4th of July. White supremacy has a notorious habit of masquerading as patriotism!" 1724

CARLSBAD, Calif. (KGTV) - A Carlsbad company wants to help homeowners take their porches back from pirates.CleverMade's newest product is a reinforced steel lockbox that anchors to the ground. "A porch pirate comes, they see this right on your porch, they don't see any packages lying out, they're going on to the next house," said Tim Clark, who works for CleverMade. RELATED: How to stop porch pirates from stealing your packages around the holidaysClark says the battery-powered LockBox fits packages up to 20.5" x 14.5" x 14" and features hydraulic struts for a smooth open and close. Users can open it with a digital code or key. Homeowners can register their code with carriers like UPS and Amazon, or input it into the second address line when making an online order.RELATED: These video doorbells can help prevent package theft around the holidaysClark says they want to give homeowners peace of mind. "It's kind of similar to someone breaking inside your house. You don't have somebody actually inside your house, but you have somebody right on your doorstep taking some of your belongings," said Clark. Security company Ring also offers tips to protect packages this holiday season, some include:Track Your Packages and Use Delivery AlertsAdd Delivery InstructionsAdd Key by Amazon to your home or garageSome customers are also using the LockBox to protect packages from inclement weather, or they're sharing their code with friends and neighbors for borrowed items.The product sells for 9.99. 1515