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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

BRADFORD, England – An intensive care unit doctor in England ran about 22 miles in a mask to show people that face coverings won’t hinder their oxygen levels.Dr. Tom Lawton says he was upset about the misinformation going around about oxygen levels and masks, so he wanted to demonstrate how safe it is himself."I was frustrated because I've seen some photos where people who sat at a desk wearing a mask and claimed that the oxygen levels dropped just simply wearing a mask," Lawton told CNN in an interview Sunday.During his run to and from work, Lawton used a pulse oximeter to measure his oxygen levels, which he says were “stubbornly” 98% every time he checked, and his mask never came off.The mask didn't come off at all (no food or drink) - and oxygen levels were stubbornly 98% every time I checked. Please feel free to cite this when anyone suggests they're bad for you, and stay safe - and COVID-free.Thanks! https://t.co/ApgpoOTZCz (n/n)— Tom Lawton (@LawtonTri) July 20, 2020 In an interview with CTV News, Lawton said any oxygen level above 95% would be considered normal and safe.Lawton admits that wearing the mask wasn’t always comfortable during his journey, but he argues that it’s worth it to keep yourself and those around you safe.Lawton told CNN that he doesn’t think masks alone are going to solve the COVID-19 pandemic, but they should be worn in public, we should practice social distancing and we should practice good hand hygiene to help stop the spread of the novel coronavirus.As if spreading the message about mask wearing wasn’t enough, Lawton is also using his media attention to raise money for Trussel Trust, which operates food banks in the U.K. 1688

Both President Donald Trump and President-elect Joe Biden offered their support on Thursday of a 0 billion stimulus plan hatched between a bipartisan group of moderate senators earlier this week.Trump said on Thursday he would sign the bill if it passes through Congress.“I think they’re getting very close and I want it to happen,” Trump said from the Oval Office.Senate Majority Leader Mitch McConnell offered optimism that an agreement is within reach."Compromise is within reach,” he said from the Senate floor on Thursday. “We know where we agree, we can do this. Let me say it again--we can do this. And we need to do this."Senate Minority Leader Chuck Schumer seemed less certain of a potential compromise.“For some reason, in the midst of this generational crisis, Republican Leader McConnell does not seem inclined to compromise,” Schumer said. “To actually get something done. But what he wants to do is posture. To put partisan bills on the floor and say take it or leave it. The real answer here is to sit down and talk."During an interview with CNN’s Jake Tapper on Thursday, Biden said that Democrats should support the bill, even though he says the legislation does not go far enough.“That would be a good start. It’s not enough,” Biden told Tapper.Biden has promised a larger stimulus package once taking office in January. While Democrats will hold the White House and House of Representatives, it’s still unknown who will control the Senate. Georgia will have a pair of run-off elections in January. Democrats will need to win both races in order to allow Vice President-elect Kamala Harris to cast the tiebreaking vote in a 50/50 Senate. The proposal would provide 0 in additional unemployment benefits for up to 18 weeks. The legislation also would replenish funds for the Paycheck Protection Program and for small businesses to help make payroll as a number of companies are being forced to close to help combat the spread of the coronavirus. The current proposal calls for 8 billion to go toward support for small businesses.There would also be 0 billion earmarked for state and local governments, which have seen a drop in tax revenue due to the pandemic. There is in additional billion allocated toward the transportation industry, most notably for airlines, which have seen an over 50% reduction in business since March.However for Americans hoping to see a second stimulus check, this bill comes short on that aspect.Treasury Secretary Steve Mnuchin said that talks of direct payments to Americans are dead at the moment. "I would say at the moment they are, but again, that's something that can be considered down the road," Mnuchin said. 2689

Brian and Betsy Liebenow love getting married so much, they do it every year on February 2.“We renew our vows and I wear my dress every year and we do it different places every single year,” Betsy Liebenow said.The married couple never takes their life for granted because they know just how precious life can be.“He barely got touched with radiation and this is what became of his radiation. This is all because of radiation damage. I think it’s because of the exposure of him being there in Uzbekistan,” Betsy said.Right after 9/11, Brian was deployed to Karshi-Khanabad – also referred to as K-2. It’s an old Soviet airbase located about 100 miles north of the Afghanistan border. He was only there for 70 days, but ever since, he’s had health complications.“Infertility, non-Hodgkin’s lymphoma, tinnitus, skin cancer, bone infections,” Brian Liebenow listed.That’s only about a quarter of the list. The Liebenows say they believe what he was exposed to has played a huge role in his rigorous health journey.“When I first got there, I was in an aircraft bunker where they used to store chemical weapons and nuclear waste," Brian said. "And after that, I was moved into tent city, and all of the tents had sandbags around them and the sandbags had sand that was full of radiation.”Veteran Mark T. Jackson, who also spent time at K2, says 40 percent of troops who spent time in Uzbekistan have some sort of ongoing disease like cancer. He says dozens are already dead from rare brain cancers. It was all anecdotal evidence, until environmental studies of the area done in 2001 and 2004 by the Department of Defense were declassified last month.“Upon initial occupation, within a few days, U.S. service members were getting sick and local contractors were sick and dying from the digging they were doing at this site,” Jackson said.Jackson says the Soviets who formerly occupied the land in the late 1970s weren’t good stewards of the environment, but the exposure to radiation and chemical weapons isn’t the issue. Rather, it’s the recognition and care for veterans years later.“Even knowing what we know now, we would still go," Jackson said. "It is the fact that the DoD has not provided official recognition for any veterans that have gone to Uzbekistan period.”According to Jackson, the only time a K2 veteran can get healthcare is when they’re sick. They can’t get preventative screenings for diseases like cancer. He says the word ‘Uzbekistan’ is not recognized by current federal regulations.“About 2,000 of our veterans -- so somewhere in the neighborhood of 20% -- of the people who went to K2 only went to K2. Which means that 2,000-person population, even though they’re veterans, if they’re sick, they can't get care. If they would like to prevent themselves from getting sick, they’re out of luck.”On its website, the U.S. Department of Veterans Affairs lists what K2 service members were potentially exposed to. The DoD conducted a study to look at cancer outcomes and found people at K2 are at a higher risk of developing certain cancers and tumors.However, the VA says those results shouldn’t be viewed as definitive evidence and notes that more studies are needed.Veterans who have health problems they believe are related to service at K2 are encouraged to file a claim, but those claims are decided on a case-by-case basis.The nonprofit Stronghold Freedom Foundation wants to ensure all K2 veterans are taken care of. Mark is the legislative director of the nonprofit. As of today, he says there are four separate K2-related pieces of legislation pending in the Senate.“The Department of Veteran’s Affairs since it was established during the civil war was established specifically to take care of every single person who fights for the United States, regardless of where that was, provided that service was honorable," Jackson said. "K2 veterans honored their part of that agreement. The government must honor their part of the agreement.”The National Defense Authorization Act – which outlines how funds are allocated for the Department of Defense each year -- must be signed by October 1st.“Recognize that these soldiers went, recognize that they did it that they volunteer to do it – all of them," Jackson said. "And they would do it again, myself among them, even knowing that we might get sick and die. Because that’s what you do. When you volunteer, maybe you get hit by a bullet, right? Or maybe the bullet hits you in 2003 and moves through your body over the course of the next 18 years.”The Liebenows say they consider themselves fortunate because Brian got sick while he was still on active duty. They’re determined to help other veterans get the coverage they deserve.“We’re ok," Betsy said. "We’re still here and we’re ok and we have a beautiful family and we get to do things. These other people are struggling.” 4854

BIG BEAR LAKE, Calif. (AP) — Late-season rain and snow were apparently too much for a bald eagle chick in a California forest nest watched by a popular internet camera .The death of the chick named Cookie was announced Monday by the environmental advocacy group Friends of Big Bear Valley and the San Bernardino National Forest."We are very sad to say that it looks like Cookie died just a little bit ago," the environmental group said. "He was up earlier but looked weak; he also seemed less energetic yesterday. This last storm was a tough one with rain first and then snow and cold temperatures."Cookie and a sibling named Simba hatched last month in the nest near Big Bear Lake east of Los Angeles. They were named through a contest for schoolchildren.Both were determined to be in good condition last week when a trained climber removed them from the nest, determined they were males, banded them and then returned them to their home high in a tree.The U.S. Forest Service tweeted that weekend rain followed by snow brought overnight temperatures down to 26 degrees (-3 Celsius) and that hypothermia was likely the cause of death.At the current stage, eagle chicks are too big to be fully covered by their mother and only have juvenile feathers, which makes it difficult to retain heat when they become wet, the Forest Service said."Rain followed by snow is never a good combination, as it begins to ice the body," the service said.A chick that dies in a nest is typically moved off to the side or covered in new nesting material."Nature can be very tough," Friends of Big Bear Valley said on its website. "The survival rate for bald eagles is 50% in the first year. We will all be rooting for Simba to stay strong and healthy."Forecasters said this week's weather will be warmer, with temperatures closer to normal for the end of May, but there will be a chance of thunderstorms over the San Bernardino Mountains each afternoon. Weather will revert to cooler next weekend. 1986

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