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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

BONITA, Calif. (KGTV) -- Sweetwater Bike Park in Bonita is the first of its kind for San Diego County parks, and it was a long time in the making."As an organization, we have been advocating for over 10 years for this type of park in the county, so we're thrilled," says Susie Murphy, the Executive Director of the San Diego Mountain Biking Association.The park opened in January, and riders of all ages and levels showed up on two wheels."On opening day, I like to say the youngest rider was seventeen months old, and the oldest was seventy-four. It's for all ages, from tiny kids on their Strider bikes, up to teenagers from the neighborhood on their BMX bikes," Murphy says.And Murphy says she loves the design of the park. It comes with jumps, two flow trails, and a skills zone."Every day it puts a smile on my face," Murphy says. Unfortunately, soon after the park opened, it had to be shut down due to the COVID-19 pandemic. "We did not know what to expect, it was definitely a disappointment," added Murphy.The park was closed for a couple of months, but is now back open for business, but with a few rule changes."Right now we're only letting fifty people come in at a time," says Park Ranger Adair Flores. "They are required to wear a mask when they come in and they do have to stay six feet apart from each other. They can't group up in the gazebo areas when they are riding, and it's recommended they wear a mask, but you know, it's harder to breathe with it." 1482

BOZEMAN, MT — If you know Montana, you likely know it's beauty. From the snow in the mountains in winter to the foliage in autumn. But you probably don't think of it as an important political state. This year, however, you would be mistaken. WHY MONTANA MATTERSWhile President Donald Trump will likely easily win Montana in the presidential race, when it comes to the Senate race, things are far from certain. That's because incumbent Republican Senator Steve Daines is battling incumbent Democratic Governor Steve Bullock. The winner will represent Montana for the next six years. The race is considered by most, including the Cook Political Report, a toss-up. During a recent interview, Daines explained how this race is a toss-up. "I'm running against an incumbent Governor," Daines said near his home in Belgrade, Montana. While Daines admitted Montanans have an independent streak, he believes ultimately supporters of Trump will support his campaign. "If you sum up what I stand for it's more high paying jobs and less government," Daines said. Meanwhile, Bullock says voters may be backing Trump in Montana but they are aren't afraid to back a Democrat for Senate. "A quarter of my voters voted for Donald Trump," Bullock told Scripps' National Political Editor Joe St. George. "It's about whether somebody is going to fight for you along the way," Bullock added. WHAT'S AT STAKE FOR THE SENATECurrently, Republicans have a 53-47 majority in the United States Senate. While Republicans are expected to pick up Alabama this election, Democrats believe they are in position to take back 4 states at least.If, for instance, Democrats win Arizona, Colorado, Maine and North Carolina, depending on who is in the White House, control of the entire United States Senate will come down to Montana. Whoever controls the Senate is very important for whoever wins the White House. If one party controls both the Senate and White House, justices to the United States Supreme Court could easily be appointed. If one party controls the House, Senate and White House, far more ambitious legislation can be passed by elected officials. FUNDRAISING RECORDSThe importance of the U.S. Senate is highlighted in the record-breaking fundraising across the country. Nationwide, billions will be spent on 35 senate races this year. In South Carolina, Democrat Jamie Harrison raised a record million in just one quarter in his election against Republican Senator Lindsay Graham. Back in Montana, records are also being set. "This will be the most expensive election in Montana history," Mike Dennison, a longtime political reporter in the state, said. Dennison, who works for Scripps' Montana News Network, estimates over million will be spent on this race and on relatively few undecided voters. "All the money is fighting over about 10 percent of those voters so maybe 60,000 to 70,000 people," Dennison said. 2912

BUFFALO, N.Y. - Kids with autism aren't damaged. They just connect with people differently. That's what scientists Dr. Marcus Thomeer and Dr. Chris Lopata have been trying to prove through research for 20 years.“The longitudinal research on our kids shows that they have limited capacity to get and maintain a job, they have social isolation, prolonged dependence on family members,” said Dr. Lopata.They're co-directors of the Institute for Autism Research at Canisius College. After several clinical trials, they say they've found something effective to help change the lives of high-functioning children living with autism. Researchers work one-on-one with students to improve their social skills “These are kids that want to have friends, they just don’t know how to do it. They have so much to offer, but we need to make sure we’re giving them skills,” said Dr. Thomeer.They've created programs and clinical trials to focus on improving these skills. They just finished their most recent trial called "MaxOut" for kids ages 7 to 12.They're focused on maximizing? four skills:1. Social skills2. Face and emotion recognition3. Expanding their interests4. Understanding non-literal languageFor 18 weeks they worked on these social skills with 88 children, one-on-one. The results were positive.“We’re seeing our kids have friendships and have kids come over and they’re being invited to birthday parties,” said Dr. Lopata. These IAR research trials are free for the participants Researchers say these new social skills are sticking with them, weeks after they've been practiced. The pair has seen positive results in their studies in schools (SchoolMax), summer programs (SummerMax), and more. Their next step is to take this program into the child’s home (HomeMax) and eventually across the country to help millions.“We’re looking to show that these are evidence-based programs that can be effective in improving the social performance of individuals with an autism spectrum disorder,” said Dr. Thomeer. Researchers want these programs to help children everywhere If you're a parent of a child living with autism or just interested in learning more, you can visit their website by clicking here or call 716-888-2800.They're now taking applications for MaxFit, their program focusing on these skills during fitness activity. It's free to participate.This story was first published by Taylor Epps at WKBW in Buffalo, New York. 2525

BRISTOL, Wis. — The heaviest pumpkin weighed in Wisconsin this year so far is 2,015 pounds. At one point during its peak growth stage, it was growing 52 pounds a day and the vines grew nearly a foot a day.The honor of most gargantuan gourd belongs to Jim Ford, who has been growing preposterous pumpkins for more than 20 years."I've always loved pumpkins. Pumpkins do something to me - I don’t know the little boy in me. I love growing things. I love growing pumpkins. I love growing all types of produce: tomatoes, cucumbers, peppers, so it just takes a passion of mine growing things and turning it into a sport," he said. 632

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