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People who aren’t rich or famous typically don’t have prenuptial agreements, which are legal documents detailing who gets what in a divorce. Even ordinary folks without prenups, though, should think about how to protect their money if something goes wrong.Planning for divorce may be cynical, but it’s also smart, San Diego certified financial planner Ginita Wall says.“It’s cynical to put on a seat belt when you pull out of your garage, because you’re planning for an accident,” says Wall, who is also a certified public accountant and the author of several books including “The ABCs of Divorce for Women.” “You want to be safe if that happens, God forbid.”Marital breakups aren’t the only concern. Creditors can come after joint accounts and property if a spouse has unpaid debts or gets sued, says Carl Soranno, a family law attorney in Roseland, New Jersey.“Even if your marriage is strong, or you think it’s strong, there are events that can put pressure on it,” Soranno says.Estate planning also can be easier when at least some assets are kept as separate property. You might trust your spouse to do right by the kids after you’re gone, for example, but can you trust your spouse’s next spouse? Separate property can allow you to better control who inherits after your death.“Separate property,” by the way, is the legal term for assets such as cash, investments and real estate that you owned before you married. It also applies to any gifts or inheritances you receive during marriage.But there are plenty of ways separate property can become marital property if you’re not careful. Depositing an inheritance into a joint account can do it. So can using money from a joint account to pay taxes on separately owned investments or property. State laws vary enormously, so it can be worth consulting an experienced attorney or financial planner to find out the rules that apply in yours, says CFP Shelly-Ann Eweka, a wealth management director with TIAA in Denver.“You want someone familiar with your state laws and your situation to give you advice,” Eweka says.Here are some moves that typically help to protect what you own:Have ‘mine’ and ‘ours’ accounts 2178

Police departments across the country have been getting more diverse, but there are conversations happening now about further improving diversity in new officer hiring.A new analysis from The Washington Post finds many major police forces are still whiter than the communities they serve.For example, in Milwaukee County, Wisconsin, 49% of residents are racial minorities, but 83% of officers are white. And in Philadelphia, 77% of the population is non-white, but 59% of officers are white.University of Maryland criminal justice professor Maria Velez has been researching the impact of this as it relates to crime.“In communities that are predominantly African American, as percentage black goes up in a neighborhood, that's often been thought of as a risk factor for violent crime, but what we find is that in cities where there is, representation in terms of the city council, having a black mayor, having a civilian review board, having prior levels of unrest actually renders that relationship insignificant,” said Velez.She says when cities have more minorities on their police force, that signals accountability and receptiveness. And that filters down to the neighborhood level where it starts to create a sense of trust.“At the end of the day, this is good for both the communities and the police right, because the police need to be able to do the work that they need to do to help with things related to crime, but they can only do that if the community trusts them and is willing to engage with them and work with them,” said Velez.She stresses having more black and Latino officers is a step in the right direction. However, departments also have to make sure there is institutional change, where police are held accountable from outside the department. 1775

Planned Parenthood is facing a social media backlash after one of its branches tweeted and then deleted a post suggesting Disney create a princess who'd had an abortion.Planned Parenthood Keystone, which operates in 37 Pennsylvania counties, tweeted on Tuesday that "We need a Disney Princess who's had an abortion. We need a Disney Princess who's pro-choice. We need a Disney princess who's an undocumented immigrant. We need a Disney Princess who's actually a union worker. We need a Disney Princess who's trans."The tweet plays off of a popular internet meme calling for more diverse Disney princesses.It didn't go over well."So glad #PlannedParenthood deleted their disgusting tweet, I don't really think having a Disney princess getting an abortion is appropriate for young girls..." said one woman Wednesday on Twitter. Her comment was typical of much of the outcry.Planned Parenthood Keystone head Melissa Reed confirmed that her group sent the tweet."Today, we joined an ongoing Twitter conversation about the kinds of princesses people want to see in an attempt to make a point about the importance of telling stories that challenge stigma and championing stories that too often don't get told," Reed said in an emailed statement."Upon reflection, we decided that the seriousness of the point we were trying to make was not appropriate for the subject matter or context, and we removed the tweet."She said Planned Parenthood uses pop culture to educate people and start conversations about sexual and reproductive health issues.The-CNN-Wire 1557

Papa John's tanked Tuesday after a report that a plan to sell the company has fallen apart.The Wall Street Journal reported that the asset manager Trian Management Funds is no longer interested in bidding for the company. According to the Journal, others are still considering taking a stake in the company, but not a total purchase.Papa John's (PZZA) stock was down 10% at market close Tuesday.Papa John's declined to comment for this story. Trian did not immediately respond to a request for comment from CNN Business.Rumors have been swirling for weeks about potential buyers for the company. Each report has caused shares of the company to spike. The Journal reported Trian's interest last month.Without a buyer, the struggling pizza company will have to find a way to convince investors that it can solve its problems on its own, and beat out competitors Domino's and Pizza Hut. That's a tall order.The company has been working hard to distance itself from controversial founder John Schnatter, who resigned his role as chairman in July after news broke that he had used the N-word on a conference call.Papa John's said earlier this month that same-store sales in North America fell by 9.8% during the most recent quarter. Total revenue dropped 15.7% from a year earlier to about 4 million.Schnatter also stepped down as CEO at the end of last year after he caused a controversy by blaming the NFL for poor pizza sales. Schnatter said sales were hurt by the way the league handled players' kneeling during the National Anthem in protest of racial injustice.Since then, Papa John's hasn't been able to regain its momentum, and sales have continued to slip.Other pizza sellers have struggled this quarter. Pizza Hut's sales were flat, and though Domino's (DPZ) reported domestic and international same-store growth, the company missed analyst expectations.But Pizza Hut and Domino's are better equipped to win the pizza wars. Domino's has invested heavily in tech, and Pizza Hut is bolstering its partnerships. Pizza Hut replaced Papa John's as the NFL's official sponsor earlier this year. 2159

OTTAWA – The coronavirus pandemic has complicated nearly every aspect of our lives, even the most intimate parts, like sex.It’s always important to practice safe sex to prevent the spread of sexually transmitted diseases, but now health officials say COVID-19 should be considered as well and precautions should be taken.Wednesday, Canada’s chief public health officer, Dr. Theresa Tam, issued a statement with tips on staying safe from the virus while engaging in sexual activities.“Sexual health is an important part of our overall health,” said Tam. “However, sex can be complicated in the time of COVID-19, especially for those without an intimate partner in their household or whose sexual partner is at higher risk for COVID-19.”If you choose to engage in an in-person sexual encounter with someone outside of your household or close contacts, Tam says to skip kissing and avoid face-to-face contact or closeness. She even went as far as suggesting using a mask that covers the nose and mouth.Tam says you can also reduce your risk by monitoring for COVID-19 symptoms and not having sex if someone is experiencing those symptoms.Tam also suggests limiting alcohol and drug use, so you and your partner are able to make safe decisions.Additionally, you should be aware if you or your partner may be at higher risk for more severe outcomes of COVID-19. That includes people with underlying medical conditions, those with compromised immune systems, and people living with obesity.“Current evidence indicates there is a very low likelihood of contracting the novel coronavirus through semen or vaginal fluids,” said Tam. “However, even if the people involved do not have symptoms, sexual activity with new partners does increase your risk of getting or passing COVID-19 through close contact, like kissing. Remember as with all social interactions, try to keep your number of close contacts low if possible.” 1919