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Most Americans Can’t Cover a $1,000 Emergency, Report Says

Life happens: A broken-down car. Find the best savings account
Interest rates on savings accounts are still recovering from their tumble in the wake of the financial crisis, so it’s a good idea to shop around to find the highest rates. currency is seen in this file photo. “The sooner you can get in that habit the better,” McBride said. “Having that emergency savings fund will help you sleep at night before and after that unplanned expense,” said McBride. While that can seem like an insurmountable goal, every little bit helps. “If you can do it when you are young and not making much that, the habit will stick with you as your age and income grows.”
Separate the money
Remove all temptation to spend your emergency savings by keeping the funds separate from your checking account. “Too many people try to save what is left over at the end of the month only to find out there is nothing left over. “Even though unemployment is down and there’s been a recent uptick in wages, we aren’t seeing the needle move savings,” said Greg McBride, chief financial analyst at Bankrate. You have to flip the equation around: save first, then spend what is left over.”
Start early
The best way to make saving a habit is to start early. More than one-third of households had a major unplanned expense last year, the survey showed, with half of those costing at least $2,500. He recommended having six months of living expenses to help blunt the financial blow of a surprise bill. “To someone who doesn’t have any or very little extra funds, accumulating six months of expenses sounds like climbing Mount Everest, but that is the destination.”
Here are four tips to help bulk up your savings:
Save first, then spend
Have a portion of your paycheck go directly into a savings account, McBride recommended. (Photo Illustration by Alex Wong/Getty Images)
If you were hit with a $1,000 emergency, would you be able to cover it? Keep your emergency savings stash away from your checking account. Only 39% of Americans say they would be able to pay for a $1,000 unplanned expense, according to new report from Bankrate. Unexpected bills aren’t uncommon. A leaky roof. Currently, your best bet is likely an online bank account. That’s why experts usually recommend you have an emergency fund. U.S. Related: 5 money mistakes to avoid in the new year
Nearly one in five Americans said they would put the expense on a credit card, the report stated, which usually makes the cost even higher as you pay off the interest. 40.712775
-74.005973 A broken bone. For the majority of Americans, the answer is no. “It has to be a dedicated savings account,” suggested McBride. Related: Tools to tackle your own savings crisis
“In the last recession we had nearly 7 million people who were out of work longer than six months,” noted McBride.

Kevin Spacey Facing 3rd Sex Crime Investigation by London’s Met Police

But the department did say it was investigating a third allegation that a man had sexually assaulted another man in the Westminster area of London in 2005. The Westminster allegation was reported to police in December, officials said in the statement. Two-time Oscar winner Kevin Spacey faces three criminal sex crime investigations in London. Clendenin / Los Angeles Times)
Spacey, 58, the former artistic director of the Old Vic theater in London, was not named directly by the Metropolitan Police in a statement to The Times. The man under investigation is the same person who is the subject of investigations related to a prior 2005 sex assault allegation as well as one in 2008 in the Lambeth part of London. Sources have previously identified that man as Spacey. (Credit: Jay L. Read the full story on 51.507351

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Winter Storm Expected to Dump Heavy Snow in Sierra Nevada

(Credit: Melissa Pamer / KTLA)
On Thursday, rain is forecast for the San Francisco Bay Area, while the Sierra is expected to see heavy snowfall by Thursday afternoon into Friday morning. The northern Sierra Nevada has seen a disappointing snow season so far; a webcam at Truckee airport shows no snow accumulated on the ground. Read the full story on 39.096849
-120.032351 The highest elevations of the Sierra could get 1½ feet to 2 feet of snow, while the elevation at Lake Tahoe could get perhaps half a foot of snow, said meteorologist Mark Faucette of the National Weather Service’s Reno office. 18, 2017. “In the pantheon of big Sierra storms, it’s not a huge Sierra storm. Snow covers the ground and the Sierra Nevada along Highway 395 near Mammoth Lakes on Feb. A winter storm system is heading to California, and is expected to bring the first significant snow to the northern Sierra Nevada since November, but spare Southern California the threat of mudslides. But when you compare it to rest of what’s gone on the rest of this winter, it’s significant,” Faucette said.

Republicans Scramble to Avert Government Shutdown as Deadline Nears

“I want to keep the government open. If Congress doesn’t send a bill to the President approving more money by midnight on Friday, most federal agencies will be forced to stop operations. Pressed what he and other conservatives are asking leaders for, Meadows said they are pressing for more details on the big picture plan going forward. That’s irresponsible.”
During a closed-door meeting Wednesday morning, GOP leaders made the pitch that the stopgap bill was the only path to keeping talks going on a broader budget deal and a separate effort to come up with a bipartisan compromise on DACA. Red state Democrats don’t want to run the risk of being labeled as responsible for a shutdown. Patrick McHenry, a fellow GOP North Carolinian. Ryan also emphasized that the standoff over immigration is preventing a longer-term funding deal for the Pentagon. Navy sailors are putting in 100-hour work weeks, and less than half of their aircraft are capable of flying. “There seemed to be a consensus with the cards that we have that this is the best way to play it,” North Carolina GOP Rep. Mark Walker said after the meeting. Tom MacArthur. Brian Schatz, a Democrat from Hawaii, said he had doubts about voting for another short-term CR while Sen. Warren Davidson, a member of the Freedom Caucus, told reporters he’s undecided on how he’ll vote. Ohio GOP Rep. Without a unified Republican conference heading into that vote, leaders would be forced to give concessions to Democrats in order to get their support and avoid any shutdown. Speaker of House Paul Ryan and House Majority Leader Kevin McCarthy attend a press conference Capitol Hill on January 17, 2018 in Washington, DC. But conservatives are still a major question mark. They tacked on a six-year extension of the Children’s Health Insurance Program, a popular program that some states say is close to running out of money. (Credit: Tasos Katopodis/Getty Images)
House Speaker Paul Ryan and his lieutenants were up against the clock and their own ranks as they scrambled to lock down votes. Republicans added sweeteners to the bill, hoping to make it tough for Democrats to oppose it. House Republicans aren’t unified
But Ryan still had work to do with the conservative House Freedom Caucus. “I would hope the President and Republican leaders wouldn’t want to humiliate themselves by not going forward with what we agreed to.”
Others are just tired of the whole exercise: Congress using short-term spending bills to kick the can down the road only to return to do it again a month later. “What other choice do have this week,” asked New Jersey Republican Rep. That left Ryan looking to pass the spending bill with just Republican votes. The number of fatal accidents or those resulting in the loss of aircraft for the Marines has doubled over the last decade,” Ryan said, adding, “it’s baffling to me that Democrats would be willing to block funding for a military over unrelated issues.”
House Democratic leaders are urging their members to oppose the measure because it fails to address DACA, according to Democratic sources. I’m just going to work and work and work to keep the government open,” West Virginia Democratic Sen. Sen. “Funding for modernizing the Army has been cut in half in just the past eight years. Angus King, an independent from Maine. McConnell, unlike, Ryan needs Democrats. But others are under pressure from their liberal base who mobilized when lawmakers voted for a short-term spending bill last time around. He called the latest short term bill “a proverbial crap sandwich,” but said at this juncture he supported it. He didn’t rule out supporting it, saying he spoke to President Donald Trump and met with the chief deputy whip, Rep. House Freedom Caucus Chairman Mark Meadows, a North Carolina Republican, is one of a small group of conservatives opposed to the short-term funding bill and told reporters Wednesday he didn’t believe GOP leaders had the votes to pass it because of the internal divisions. A handful are running for re-election in states where Trump handily won in 2016. They also delayed some taxes from the Affordable Care Act — one on medical devices and another on high-cost, so-called “Cadillac” insurance plans, items they believe it would be tough for those Democrats in swing districts to vote against. House Republican leaders are moving toward a vote Thursday to avoid a shutdown, but as a new day dawns in Washington, it’s still unclear if GOP leaders have enough support to keep the government open. As the afternoon wore on and leaders surveyed GOP lawmakers, one member of the Republican Whip team told CNN that things were going in the right direction. “At what point are we going to have a plan on where we land or are we just going to hope that February 16 is better than January 19 because it’s in a different month?”
In the Senate
In the Senate, it was still unclear exactly how Majority Leader Mitch McConnell would manage to get the votes. “I’m just tired of voting for CRs,” said Sen. Patrick Leahy, a Vermont Democrat, remained vague about what his plans were. Asked about Meadows’ saying he’s a no and others in the Freedom caucus planning to oppose the bill, House Majority Leader Kevin McCarthy of California tweaked his GOP colleagues, saying “they want a shutdown? GOP leaders can’t count on Democrats who have said they will not support a short-term spending bill that funds the government into mid-February if it does not include a fix for DACA, the Deferred Action for Childhood Arrivals program that expires in March. I don’t think they’d want to shut down.”
‘What other choice do have this week’
While reluctant to pass yet another short-term continuing resolution or “CR” — the fourth in just months — many rank-and-file members seemed mostly resigned Wednesday to the fact that it was the only option, even if they were not happy about it. “I’m certainly not going to vote to shut the government down. And many Democrats were keeping their powder dry as to how they would vote, waiting on the House to lay their cards on the table and prove they had the GOP votes on their own to pass the continuing resolution. “I would hope we’d have something everybody has agreed to,” Leahy said. Joe Manchin said. Senate Democrats are also caught in a tough spot. But he blasted Democrats for their position, saying, “they’re picking 800,000 people who brought them here illegally versus our troops and that is very frustrating so we have wanted to have this money to our troops since October 1, meanwhile our troops aren’t getting this money.”
GOP leaders have consistently argued House Democrats would be responsible for a shutdown if the measure fails on the House floor, and Meadows conceded that it would be easier to blame Democrats for a shutdown if the House clears the bill but it fails in the Senate (Democrats are quick to point out that Republicans control both chambers of Congress and the Executive Branch). 38.907192

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YouTube, Facebook Attempt to Stop Tide Pod Challenge by Removing ‘Dangerous’ Videos

It’s unclear how the craze started. Related: Poison control calls ‘spike’ due to online laundry pod challenge
Tide’s parent company, Procter & Gamble, told CNN in a statement that “nothing is more important to us than the safety of people who use our products.”
“We are deeply concerned about conversations related to intentional and improper use of liquid laundry pacs and have been working with leading social media networks to remove harmful content that is not consistent with their policies,” said a company representative. YouTube and Facebook are trying to stop the spread of the Tide Pod Challenge, a bizarre and dangerous phenomenon in which social media users eat laundry detergent packets on camera. “What the heck is going on, people? “We work to quickly remove flagged videos that violate our policies.”
Facebook has also removed posts from its platforms, including Instagram. Over the weekend, it enlisted NFL star Rob Gronkowski to appear in an official Tide video that gained millions of views on Twitter. A company spokesperson told CNNMoney that “we don’t allow the promotion of self-injury and will remove it when we’re made aware of it.”
Related: YouTube trying to avoid another Logan Paul-type disaster
For years, children have inadvertently eaten the toxic packets, leading to accidental poisonings and calls for parents to keep them away from their kids. “A recent trend among teenagers ingesting the packets — and uploading videos to various internet platforms including video-sharing websites, social media, and vlogging platforms — has caused significant concern among poison control centers,” the association said Tuesday. The videos have become an online craze among teenagers, prompting widespread health and safety warnings. Some reports suggest the idea grew out of online memes joking about how appetizing the pods looked. Related stories

Doctor Warns Teens Not to Eat Laundry Detergent Pods as New Internet Challenge Emerges Use Tide Pods for washing. P&G is hoping a celebrity will help make a difference on the issue. Some say the products can be mistaken for candy. YouTube, which is owned by Google, says it’s taking down clips that show people taking bites of the pods. In the first 15 days of this year, the organization received the same number of calls about “intentional exposures” to laundry packets among teenagers as it did in the whole of 2016. YouTube and Facebook are trying to stop the spread of the Tide Pod Challenge, a bizarre and dangerous online craze where teenagers eat laundry detergent packets on camera
— CNN (@CNN) January 18, 2018

“YouTube’s Community Guidelines prohibit content that’s intended to encourage dangerous activities that have an inherent risk of physical harm,” a Google spokesperson said in a statement. Its pledge to clamp down on the videos comes as the company takes further steps to police content. This week, YouTube said that it would assign workers to “manually review” its most popular videos after a controversial clip by Logan Paul, a famous blogger, violated guidelines. Not eating,” Gronkowski tells viewers. Google says that in addition to removing the videos, users who post clips of themselves or others doing the Tide Pod Challenge will be given a strike on their YouTube channels for violating content rules. But in recent weeks, the #TidePodChallenge hashtag has exploded, leading the American Association of Poison Control Centers to issue an alert.

Nestle Debuts Pink KitKat Made From Ruby Chocolate in Time for Valentine’s Day

Ruby chocolate was unveiled in September by Swiss chocolatier Barry Callebaut and is made using special “Ruby” cocoa beans. Japan is a natural choice to launch the groundbreaking new chocolate, given the craze for flavored KitKats ever since a Green Tea variety was introduced there in 2004. Quirky flavors aren’t the only reason KitKat is huge in Japan — its name sounds similar to the Japanese phrase “kito kato,” which translates to “surely win.”
The chocolate wafers have become a common gift for students about to take tough exams, or on other special occasions. The new ruby chocolate bars will be sold at KitKat Chocolatory boutique stores in Japan and South Korea. Nestle opened a new factory in the country in July dedicated to flavored KitKats. The country now has over 300 different KitKat flavors, including wasabi, cherry blossom and even KitKat sushi. The company is also planning to sell them at around 80 pop-up stores across Japan as Valentine’s Day approaches. Nestle said it offers “a new taste experience, a kind of berry flavor made from the all-natural Ruby cocoa bean with a characteristic pink hue.”
Related: Nestle selling U.S. KitKat fans are about to get their first taste of ruby chocolate. Related: Japan’s KitKat craze has gone gourmet
KitKat is Japan’s top chocolate brand, and its sales have grown by 50% since 2010. (Credit: Barry Callebaut)
Nestle is launching the new flavor — KitKat Chocolatory Sublime Ruby — in Japan and South Korea on Friday. It will also be available online. 36.204824
138.252924 candy brands to Nutella
Sublime Ruby is the work of top Japanese pastry chef Yasumasa Takagi, who has developed dozens of varieties of KitKats in the past. KitKat fans are about to get their first taste of ruby chocolate.

Los Angeles Among Amazon’s 20 Finalists for Second Headquarters

Cities made splashy attempts to attract the company’s attention. Amazon has released a “short” list of cities it is considering for its second headquarters. Plans Bid
Amazon Plans to Create 100,000 Full-Time Jobs in the US The 20 potential cities include Atlanta, Austin, Boston, Chicago, Columbus, Ohio, Dallas, Denver, Indianapolis, Los Angeles, Miami, Montgomery County in Maryland, Nashville, Newark, New York City, Northern Virginia, Philadelphia, Pittsburgh, Raleigh, Toronto and Washington D.C. “Getting from 238 to 20 was very tough – all the proposals showed tremendous enthusiasm and creativity,” Holly Sullivan of Amazon Public Policy said in a statement. The tech giant estimates its investments in Seattle from 2010 through 2016 resulted in an extra $38 billion to the city’s economy. For example, Tuscon, Arizona sent a giant cactus to CEO Jeff Bezos and Stonecrest, Georgia offered to de-annex some of its land and rename it the city of Amazon. Boxes move along a conveyor belt at an Amazon fulfillment center on January 20, 2015 in Tracy. In the coming months, the company said it will work with each of the locations to “dive deeper” into their proposals, obtain more information and evaluate how the city could accommodate Amazon’s hiring plans and benefit its workers and the local community. Amazon has said the second headquarters would be a “full equal” to its Seattle campus. The company said it would make a decision in 2018. Will Bid for Amazon’s 2nd North American Headquarters
Amazon Is Looking for City to Host Its 2nd HQ in North America; L.A. “Through this process we learned about many new communities across North America that we will consider as locations for future infrastructure investment and job creation.”
Amazon said it evaluated each of the bids based on the criteria it previously outlined, such as proximity to a major airport and ability to attract tech talent. Last year, Amazon received bids from 238 cities and regions from across 54 states, provinces, districts and territories across North America. Related stories

Irvine Co. Called HQ2, the new facility will cost at least $5 billion to construct and operate, and will create as many as 50,000 high-paying jobs. Meanwhile, Kansas City Mayor Sly James gave five-star reviews to 1,000 random items on Amazon’s website, which tied in the city’s strengths into each post. (Credit: Justin Sullivan/Getty Images)
But the list isn’t exactly short.

Lawsuit Claims Southern California Edison Caused Massive Fire That Made Mudslides Disastrous

“In regards to the potential causes of the Thomas Fire, we understand that Cal Fire’s investigation is ongoing, and it would be premature for SCE to speculate about potential litigation associated with the recent mudslides,” the company said in a statement. Several residents of Santa Barbara County are suing a major California power company, saying it was responsible for a massive wildfire that stripped hillsides of vegetation that could have prevented the recent mudslides. Montecito Water District didn’t immediately respond to CNN’s request for comment. “Had SCE acted responsibly, the Thomas Fire could have been prevented,” the lawsuit says, adding that the fire “left these areas susceptible to excessive runoff, erosion mud and debris flows.”
Southern California Edison said the mudslides were tragic and it was focusing on helping emergency workers during recovery efforts. It also says the Montecito Water District Financing Corporation was responsible in part for the heavy damage caused by the mudslides because a pipe broke, allowing 9 million of gallons of water to combine with rainwater to produce mudflows that left at least 20 people dead. (Credit: Wally Skalij / Los Angeles Times)
The civil complaint, filed in state superior court, alleges the Southern California Edison Company was responsible for causing the Thomas Fire that burned a state record 281,893 acres in Santa Barbara and Ventura counties. The suit says two transformers owned by the power company — located about 6 miles apart — either caught fire or exploded and ignited the brush. Three people are still missing. The plaintiffs say they suffered injuries in the mudslides on January 9. 9, 2018. A man walks by destruction along Olive Mill Road in Montecito on Jan. 34.420831

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Montecito Officials Search for Where to Dump Thousands of Tons of Mud State officials say the cause of the Thomas Fire is unknown and is still under investigation. The Thomas Fire, which was just recently contained, began December 4 in the hills of the town of Santa Paula. The lawsuit was filed January 12 and amended Tuesday. The complaint also says Edison failed to trim or remove trees when needed. The three residents and one business suing are seeking damages that would be determined at a jury trial. David Clark, Cal Fire spokesman, says the mudslide was the result of a significant amount of rain on January 9.

How to Avoid Buying a Flood Damaged Car

There many resources consumers should use to spare themselves the expense and drama of being stuck with a flood damaged car. Among the resources consumers should review include:
* / How To Avoid Buying a Flood Damaged Car
*CarFax / Free CARFAX Flood Check
*Road and Track / How To Avoid Being Scammed By a Flood Damaged Car
*AARP / Skip a Flood of Car Trouble
If you have questions or complaints, please feel free to contact me at or call 1-323-460-5732. Please enable Javascript to watch this video
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Gayle Anderson was live with Automobile Club of Southern California, which is warning consumers about how to avoid buying a flood damaged car.

Man Booked on Assault With Deadly Weapon After Chasing Children With Hair Pick in Simi Valley: Police

after he allegedly approached the two kids in the area of Tapo Street and Alamo Street and began to mumble, then yell at them, the Simi Valley Police Department stated in a news release. 34.269447
-118.781482 Officers searched the area and located Blanchette. The two kids ran home and alerted their parents, who called police. Grant Blanchette is seen in an image provided by the Ventura County Sheriff’s Department. Grant Blanchette, 35, was arrested about 5 p.m. He was arrested and booked on suspicion of assault with a deadly weapon, the Police Department stated. A Simi Valley man was arrested Wednesday after police say he used a hair pick to assault two juveniles. When the kids asked Blanchette to leave them alone, he pulled out a hair pick and chased them down the street, according to the Police Department.

How You Can Help Save the Watts Community Center

Lynette Romero reports for the KTLA 5 Morning News on Jan. You can help by texting DONATE to 515151 or going to 18, 2018. Please enable Javascript to watch this video

-118.238043 Please enable Javascript to watch this video
Children in Watts depend on their community center for programming and after-school activities, but nationwide budget cuts are putting the neighborhood institution in jeopardy. KTLA is partnering with Red Eye to keep the community center running.

2nd Hollywood Sign Proposed on Other Side of Mountain for More Photo Opportunities

An illustration shows where a proposed replica of the Hollywood sign would be built. It’s like having the Statue of Liberty without a visitor’s center, viewing platform, or even a sign telling you how to get to it.”
The second Hollywood sign would be constructed on the north or L.A. Zoo side of Griffith Park. The backdrop would be similar to the original, according to the report. In addition to building a replica of the sign, the report also proposes opening a visitor center and a viewing platform. “An additional sign is proposed as a strategy to consider because of its potential to improve safety and reduce neighborhood congestion.”
Along with options to provide more visitor opportunities, the report also includes proposals to improve pedestrian safety and accessibility to Griffith Park and trailheads. “For educational and historical purposes, it may make the most sense to maintain only the original sign,” the report says. 34.134115

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Too Many Tourists: Crowding Causes Big Headache at National Parks and Theme Parks Across the Country  Ryu has filed a motion requesting city officials to study the feasibility of the proposals. A report released by the city of Los Angeles Wednesday proposes building a replica of the Hollywood sign on the other side of the mountain to provide more photo opportunities for visitors, alleviating congestion around Griffith Park. “The Hollywood Sign and Griffith Park are being loved to death,” Ryu said in a statement. It also outlines ways to expand transit options (including an aerial tram), enhance traffic flow and emergency vehicle access, implement stricter parking rules and increase parking citation amounts. “This is a world-renowned icon, and possibly the only one without proper access to it. (Credit: KTLA)
The study — conducted by the firm Dixon Resources Unlimited and presented by Councilman David Ryu — outlines a number of strategies to improve tourist access around the area. The study notes that a replica could “take away from the history” of the original sign.

Alcohol Banned From In-House UCLA Fraternity Events

The proposal was passed “as a means to provide an environment where UCLA’s True Bruin Values are upheld,” and to ensure the safety and well-being of those present at chapter activities, the statement read. Surveillance footage played in court showed Piazza falling repeatedly, including down a flight of stairs, following the event that involving heavy drinking. The ban also comes just a few days after campus police arrested 21-year-old Benjamin Orr on suspicion of assault with intent to commit rape and oral copulation, UCLA Police Department Lt. Piazza, 19, died following his first night pledging a fraternity that was supposed to be alcohol-free as a result of a suspension eight years ago. Please enable Javascript to watch this video
Alcohol has been banned indefinitely from all events taking place at UCLA fraternity houses, the UCLA Interfraternity Council has announced. Eleven members from a Penn State fraternity were charged last year following the death of sophomore Tim Piazza. Coffey died in November after a night of heavy drinking at an off-campus party. The ban comes amid several recent deaths involving fraternity pledges from other universities. Orr, a UCLA student, was once the president of the Theta Delta Chi fraternity, the Daily Bruin reported. In one of the more recent cases, nine people were charged Wednesday in the death of 20-year-old Florida State University fraternity pledge Andrew Coffey. Sunday in the 500 block of Gayley Avenue following an alleged sexual assault that took place the previous evening, Scheffler said. Alcohol has been banned indefinitely from all events taking place at UCLA fraternity houses. “I think that’s a positive thing … alcohol tends to have negative effects,” one student said after hearing about the new policy. Scott Scheffler said. Orr was arrested about 9:15 a.m. 34.068921
-118.445181 He has been released on $100,000 bond. (Credit: KTLA)
The council’s newly elected executive board and presidents’ council voted unanimously to pass the proposal at a Tuesday meeting, according to a statement released Wednesday. A spokesperson for the school told KTLA the university supports the ban, but there was no mandate from the administration to impose it.

Host of New Show ‘NFL Football Fanatic’ Journey to Find Favorite NFL Football Team

He explores all aspects of NFL traditions and experiences, with behind-the scenes access to players, coaches, and other iconic football figures during team practices and pre-game warmups. NFL Football Fanatic airs on the USA Network at 11:05pm. Please enable Javascript to watch this video
Scottish-born Darren McMullen and the former host of “The Voice” in Australia joined us live to talk about his new show “NFL Football Fanatic” on the USA Network. For more information, click HERE. In NFL Football Fanatic, Darren visits a different American city each week to learn about the unique take they have on football fandom, with real “super-fans” as his guides. By the end of the series, he will finally have a team to call his own and fans will appreciate the game in a whole new way. Darren moved to America in 2009, but he’s still missing one important thing: an NFL team to call his own.