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Following the passing of music legend Aretha Franklin, news surfaced the “Queen of Soul” did not have a will. Music icon Prince also didn’t have a will at the time of his death.How important is it to have a will?Certified financial planner Jonathan Duong says everyone should have a will, no matter your age or financial status."Even if you don't have kids, as long as your situation includes some level of basic complexity where you have different types of assets, then absolutely, a will is going to be a proper document at a minimum to have in place," says Duong.  For those who only have assets like a 401k or a life insurance policy that has a designated beneficiary built in, a will might not be necessary.  “But for many other things, there is no legal way to control where that asset goes without a will," explains Duong.  Getting a will often times entails hiring an attorney and can cost nearly ,000, but Duong says you don’t need to spend that much to have a proper will.  "Typically, their employer--if their employed with a larger company or a public organization--may offer a legal plan, within their employee benefits," says Duong.  There are also online resources like willed.com or doyourownwill.com that will help you create one for less than 0. 1301

For years, the Federal Housing Administration was the king of the low-down-payment mortgage mountain. Now, Fannie Mae and Freddie Mac, the government-sponsored enterprises that provide capital to the mortgage market, are designing loan products for hopeful home buyers with skinny savings accounts.With Fannie Mae’s HomeReady and Freddie Mac’s Home Possible, a 3% down payment — or what lenders refer to as 97% loan-to-value — is available on so-called conventional loans. Conventional loans are the loan products most often issued by lenders. 561

FORT LAUDERDALE, Fla. — Police apprehended a kangaroo that was on the loose Thursday morning in Fort Lauderdale.Residents living near North Andrews Avenue and 13th Street reported seeing a runaway kangaroo hopping through their neighborhood.Fort Lauderdale police officers arrived and, with the help of wildlife officers, were able to leash the kangaroo and guide the animal into the back of a police cruiser.It was not immediately known how the kangaroo made its way to Fort Lauderdale, but the marsupial avoided a trip to the slammer.Instead, the Australian tourist was taken to the South Florida Wildlife Center. Who caught a glimpse of #FLPD’s newest mate hoping through our community this morning? Officers in District 2 worked together to safely capture this kangaroo and turn it over to the South Florida Wildlife Center. pic.twitter.com/y4rZ5QQApS— Fort Lauderdale Police (@FLPD411) July 16, 2020 This story was originally published by Peter Burke on WPTV in Palm Beach, Florida. 1006

For parents preparing to start this school year with their children at home, there are concerns about children adapting mentally and emotionally to another semester away from their schoolmates and teachers.“I am a parent myself, so I can relate to the anxiety,” said Janine Domingues, a clinical psychologist with the Child Mind Institute.Domingues says parents have very good reason to be concerned.“For children or adolescents who were already prone to anxiety or social anxiety or depression, certainly this time, as you are more isolated and can’t interact with others, it can heighten anxiety and depression symptoms,” said Domingues.There are warning signs parents can look for to recognize if the isolation and social distancing are getting to their child.“Further isolation in their room, not getting out of bed, not engaging in activity that they normally would’ve engaged in,” said Domingues. “And honestly, if they are expressing sadness every day and in intense levels of that.”If a parent sees some of those warning signs, they are strongly encouraged to take action.“The number one step is reaching out for mental health services,” said Domingues. “Whether it is reaching out to a previous psychologist or therapist that you worked with or a new psychologist.”Organizations like the Child Mind Institute provide telehealth services for children struggling mentally and emotionally right now, and they even provide financial assistance for families concerned about affording the sessions.However, before it gets to the point where a child may need help, Domingues said there are steps parents can take to help their child adjust better to this start of the school year at home.“Really talking about it, honestly,” said Domingues. “Helping them understand that there might be another time where we are doing this at home.”She said parents should ask their children about their concerns, ask what worked well at the end of last semester and what did not, and ask the child about what they think they will feel at the start of this semester.“It can feel very overwhelming and anxiety-provoking, but again, it’s just taking one step at a time and talking through it,” said Domingues.Domingues, and most psychologists, believe kids are resilient and with the proper guidance, they can adapt to whatever schooling situation they’ll be in this fall. 2363

Five US Marines who were missing after two aircraft collided mid-air off the coast of Japan on Thursday morning have been declared dead, the US Marine Corps said.The US military called off its search for the Marines on Tuesday, according to a statement from the Marine Expeditionary Force."The Marine Corps has pronounced the five remaining Marines involved in the F/A-18 and KC-130 aviation mishap deceased," the Marine Corps said in a statement. "The change in status comes at the conclusion of search and rescue operations."The identities of the Marines have not been released, but the Marine Corps said their next of kin have been notified. 652

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