盱眙哪里算卦算的好忠县算命准的师傅,舟曲算命的在哪里,商南算命需要多少钱,烟台哪里有易经算命,大足算命比较准的人,钟祥哪里算命比较准,锦州哪儿算命准

BRANDON, Fla. — Here's a reunion that will bring tears to your eyes.The Rosecastle at Delaney Creek assisted living facility posted a video of a reunion between a husband and a wife, Joseph and Eve. Both are residents at Rosecastle.The assisted living facility said the couple has been married for 60 years and were apart for 215 days due to the pandemic.Finally, on Thursday, the couple was able to reunite. 416

Blogger John Schmoll’s father left a financial mess when he died: a house that was worth far less than the mortgage, credit card bills in excess of ,000—and debt collectors who insisted the son was legally obligated to pay what his father owed.Fortunately, Schmoll knew better.“I’ve been working in financial services for two decades,” says Schmoll, an Omaha, Nebraska, resident who was a stockbroker before starting his site, Frugal Rules. “I knew that I wasn’t responsible.”Baby boomers are expected to transfer trillions to their heirs in coming years. But many people will inherit little more than a pile of bills.Nearly half of seniors die owning less than ,000 in financial assets, according to a 2012 study for the National Bureau of Economic Research. Meanwhile, debt among older Americans is soaring. It used to be relatively unusual to have a mortgage or credit card debt in retirement. Now, 23 percent of those older than 75 have mortgages, a four-fold increase since 1989, and 26 percent have credit card debt, a 159 percent increase, according to the Federal Reserve’s latest data from the 2016 Survey of Consumer Finances .If your parents are among those likely to die in debt, here’s what you need to know.You (probably) aren’t responsible for their debts. When people die, their?debts don’t disappear. Those debts are now owed by their estates. Some estates don’t have enough assets (property, investments and cash) to pay all of the bills, so some of those bills just don’t get paid. Spouses may have the responsibility for certain debts, depending on state law, but survivors who aren’t spouses usually don’t have to pay what’s owed unless they co-signed for the debt or applied for credit together with the person who died.What’s more, assets that pass directly to heirs often don’t have to be used to pay the estate’s debts. These assets can include “pay on death” bank accounts, life insurance policies, retirement plans and other accounts that name beneficiaries, as long as the beneficiary isn’t the estate.“You take it and go home,” says Jennifer Sawday, an estate planning attorney in Long Beach, California.You need a laywer. Some parents hope to avoid creditors or the costs of probate, which is the court process that typically follows a death, by adding a child’s name to a house deed or transferring the property entirely. Either of those moves can cause legal and tax consequences and should be discussed with a lawyer first. After a parent dies, the executor must follow state law in determining how limited funds are distributed and can be held personally responsible for mistakes. That makes consulting a lawyer a smart idea — and the estate typically would pay the costs. (The costs of administering an estate are considered high-priority debts that are paid before other bills, such as credit cards.)At his attorney’s advice, Schmoll sent letters to his dad’s creditors explaining the estate was insolvent, then formally closed the estate according to the probate laws of Montana, where his dad had lived.A lawyer also can advise you how to proceed if a parent isn’t just insolvent, but also doesn’t have any assets at all. In that situation, there may not be a reason to open up a probate case and deal with collectors, Sawday says.“Sometimes, I advise clients just to lay the person to rest and do nothing,” Sawday says. “Let a creditor handle it.”You need to take meticulous notes. The financial lives of people in debt are often chaotic — and sorting it all out can take time. As executor of his dad’s estate, Schmoll dealt with over a dozen collection agencies, utilities and lenders, often talking  to multiple people about a single account. He kept a document where he tracked details such as the names of people he talked to, dates and times of the conversations, what was said and required follow-up actions as well as reference numbers for various accounts.You shouldn’t believe what debt collectors tell you. Some collectors told Schmoll he had a moral obligation to pay his father’s debts, since the borrowed money might have been spent on the family. Schmoll knew they were trying to exploit his desire to do the right thing, and advises others in similar situations not to let debt collectors play on their emotions.“Just don’t make a snap decision, because it’s very easy to say, ‘You know what? I need to think about it. Let me call you back,’” Schmoll says.This article was written by NerdWallet and was originally published by The Associated Press. More From NerdWallet 4587

BOCA RATON, Fla. - Inside Boca Helping Hands, Mel Lazerick mans the pantry desk and hands out apples and bags of produce."I like to do things for other people because I've been fortunate," said Mel, who has devoted most of his life volunteering.At 100-years-old, Mel is the oldest volunteer and donates his time to help feed the hungry three days a week. Executive Director Greg Hazle describes Mel as an inspiration."Just to be active at that age and active helping people is an inspiring way to live," Hazle said.Mel has been handing out groceries at Boca Helping Hands for 20 years with a smile and a sense of humor."I worked it in with my golf and tennis, and I was able to find time," Mel said. "People are very nice to me, and I try to be nice to them."Mel moved from Ohio years ago and settled in South Florida. He recently celebrated his 100th birthday at Helping Hands, and has worked side-by-side with long-time buddy Harold Bader."He's very well-liked. He's very hard-working, even though he's 100," said Bader, who picks Mel up and drives him home. "It made me realize age has nothing to do with your abilities to do things, and he proves that every day.Mel has been volunteering for decades. He joined Big Brothers and Big Sisters more than 70 years ago, and he still keeps in contact with his two younger brothers."One is 65-years-old and one is 92," Mel said.Now, Mel will be honored for his service on October 20, when Boca Helping Hands will celebrate its volunteers. Mel said he has no plans to slow down and hopes to volunteer for another 20 years.  1581

Because of the coronavirus pandemic, millions of people have not had to repay their federal student loans.Well, that's about to change when the administrative forbearance ends on Dec. 31.According to Federal Student Aid, your monthly payments will resume at a new amount when the forbearance ends."The 0% interest period and administrative forbearance are currently set to expire on Dec. 31, 2020," FAFSA officials stated on the FAQ. "Your servicer will contact you ahead of time to remind you that you will need to start making payments again. Make sure your contact information is up to date in your loan servicer account profile."So what exactly does it mean for you once the forbearance ends?It means borrowers will start getting billed sometime in January, and if you're in default, you'll be subject to wage garnishments, tax refund seizures, and offsets of Social Security benefits.If you think you won't be able to start repaying your loans, you have options.According to Nerd Wallet, if you can't pay the monthly payments, you can apply for an income-driven repayment plan to avoid default.Another option that could help is to pause payments through forbearance or an unemployment deferment, Nerd Wallet stated.This would halt your costs, but you'd be accruing interest during the pause. You can ask to make interest-only payments, so you don't have to owe more than you already do. 1399

BLACK FOREST, Colo. — A young buck gored a Black Forest woman Friday and now Colorado Parks and Wildlife officers have cited a neighbor for her illegal contact with the animal.CPW cited Tynette Housley, 73, with illegal possession of wildlife and illegally feeding wildlife after she told officers she took a days-old fawn into her home more than a year ago and raised it. They also issued a warning for possession of live wildlife without a license for keeping the animal in her home, garage, and property.CPW said the victim was walking her dog along a wooden path Friday morning when the 1.5-year-old buck attacked her. The victim told CPW she thought the deer wanted to be "snuggled" when it approached her. When she extended her hand to the deer, it lowered its antlers and jabbed her abdomen.The victim then grabbed the deer's antlers and they fell to the ground. It continued to gore her until she got to her feet, tried to run to a neighbor's home, and, eventually, her own garage. The deer continued to attack her until she ran between two cars in the garage to getaway.She was hospitalized for serious lacerations to the top of her head, left cheek and legs, but is expected to recover.A young buck approached an investigating CPW officer near the victim's home with blood on its antlers acting aggressively and the officer euthanized the deer.“This buck showed no fear of the woman and her dog. And when our officer responded to the scene, it approached within a few feet," said Frank McGee, area wildlife manager for the Pikes Peak region. "This tells me the deer was very comfortable around people. Dangerously comfortable. It viewed humans as a source of food.”According to CPW, human conflict with wildlife is increasing throughout Colorado, particularly in Front Range communities where human populations are expanding. McGee is concerned similar attacks will happen if people don't take state laws forbidding feeding wildlife seriously.“We had a young boy attacked in Colorado Springs in June. And we had a 72-year-old woman attacked and seriously injured in Black Forest in 2017. All three are lucky the results weren’t much worse,” McGee said.Housley could face up to ,098.50 in fines and surcharges from the two misdemeanors.The deer was taken to a lab to test it for rabies and other diseases. Its stomach contents confirmed humans were feeding the deer. The incident remains under investigation.“We can’t say it enough: Wild animals are not pets,” McGee said. “Feeding deer habituates them to humans. They lose their fear of humans and that leads to these outcomes that are tragic for both wildlife and people. Injured and orphaned wildlife should be taken to licensed wildlife rehabilitators.”This story was first reported by Blayke Roznowski at KMGH in Denver, Colorado. 2804