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BALTIMORE — The U.S. has now topped 19 million coronavirus cases since the pandemic began, data compiled by Johns Hopkins University shows.America exceeded that mark on Sunday, just six days after it reached 18 million. The nation’s case numbers have more than doubled in less than two months.COVID-19 deaths in the U.S. also have been rising, and now total more than 332,000. That’s more than one death for every 1,000 Americans. The U.S. population as of Saturday was about 331 million, according to the U.S. Census Bureau.The United States accounts for about 4% of the world’s population, but close to 24% of its total coronavirus cases and 19% of its COVID-19 deaths. Health experts believe many cases have gone unreported, however, both in America and internationally. 781

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

BERLIN (AP) — The first keg was tapped, and the beer started flowing as the 186th Oktoberfest got underway Saturday in the southern German city of Munich.Mayor Dieter Reiter inserted the tap in the first keg with two blows of a hammer and the cry of "O'zapt is" — "it's tapped." As tradition demands, he handed the first mug to Bavarian governor Markus Soeder.Even before the waitresses started bringing the one-liter (two-pint) beer mugs to customers at noon, the festival grounds were so overcrowded that security guards allowed entry only for people with reservations in one of the beer tents.Revelers — many women in colorful dirndl dresses and men in traditional Bavarian lederhosen — started lining up in front of the gates before dawn to get inside."I took the first commuter train early this morning," Felix Stenglein from nearby Eichenau told German news agency dpa.Shortly after 9 a.m., the festival's organizers said the party could begin."Dear guests, welcome to Oktoberfest," an announcer voice declared through loudspeakers. "We're now opening the festival grounds."The announcement came in German, English and Bavarian — a German dialect so thick and heavy with accent and local vernacular that even many native German speakers from other parts of the country have trouble understanding it.As the gates opened, many guests ran to the beer tents to make sure they'd catch one of the coveted spots on the long, wooden benches inside.Around 6 million beer lovers from around the world are expected at the festival in Munich before the Oktoberfest ends on Oct. 6.Some 600 police officers and hundreds of security guards are tasked with keeping order around the many, often intoxicated visitors. Around 50 doctors are on call for those with health problems and there's a special security area where women can find protection from harassment, dpa reported.E-scooters, which were legalized in Germany earlier this year, are banned inside and around the Oktoberfest grounds and plenty of traffic controls were established outside to prevent drunken driving after the party's over.As in previous years, beer prices were up again, with a liter mug costing up to 11.80 euros () — a 30-cent increase over last year. 2229

Bruce Ohr, the career Justice Department official targeted by President Donald Trump as a "creep" and a "disgrace," will face a grilling by Republican lawmakers Tuesday on Capitol Hill.The closed-door session is expected to focus on Ohr's relationship with Christopher Steele, the British spy behind the dossier that included salacious and unverified intelligence on Trump and Russia. It is an unlikely turn in the spotlight for the nearly 30-year veteran of the Department of Justice, who has built a reputation as the "consummate government servant" and an expert on global organized crime.Little is known publicly about the extent of the relationship between Ohr and Steele, but some House Republicans who are vocal critics of the Russia investigation have seized on it as proof of an untoward connection between government officials and the roots of special counsel Robert Mueller's investigation. 909

BERLIN (AP) — The first keg was tapped, and the beer started flowing as the 186th Oktoberfest got underway Saturday in the southern German city of Munich.Mayor Dieter Reiter inserted the tap in the first keg with two blows of a hammer and the cry of "O'zapt is" — "it's tapped." As tradition demands, he handed the first mug to Bavarian governor Markus Soeder.Even before the waitresses started bringing the one-liter (two-pint) beer mugs to customers at noon, the festival grounds were so overcrowded that security guards allowed entry only for people with reservations in one of the beer tents.Revelers — many women in colorful dirndl dresses and men in traditional Bavarian lederhosen — started lining up in front of the gates before dawn to get inside."I took the first commuter train early this morning," Felix Stenglein from nearby Eichenau told German news agency dpa.Shortly after 9 a.m., the festival's organizers said the party could begin."Dear guests, welcome to Oktoberfest," an announcer voice declared through loudspeakers. "We're now opening the festival grounds."The announcement came in German, English and Bavarian — a German dialect so thick and heavy with accent and local vernacular that even many native German speakers from other parts of the country have trouble understanding it.As the gates opened, many guests ran to the beer tents to make sure they'd catch one of the coveted spots on the long, wooden benches inside.Around 6 million beer lovers from around the world are expected at the festival in Munich before the Oktoberfest ends on Oct. 6.Some 600 police officers and hundreds of security guards are tasked with keeping order around the many, often intoxicated visitors. Around 50 doctors are on call for those with health problems and there's a special security area where women can find protection from harassment, dpa reported.E-scooters, which were legalized in Germany earlier this year, are banned inside and around the Oktoberfest grounds and plenty of traffic controls were established outside to prevent drunken driving after the party's over.As in previous years, beer prices were up again, with a liter mug costing up to 11.80 euros () — a 30-cent increase over last year. 2229