昌吉意外怀孕二个月的解决方法(昌吉薇薇保宫无痛人流) (今日更新中)

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

BALTIMORE — U.S. retail sales jumped by a record 17.7% from April to May, with spending partially rebounding after the coronavirus had shut down businesses, flattened the economy and paralyzed consumers during the previous two months.The Commerce Department’s report Tuesday showed that retail sales have retraced some of the record-setting month-to-month plunges of March (8.3%) and April (14.7%) as businesses have increasingly reopened. Still, the pandemic’s damage to retail sales remains severe, with purchases still down 6.1% from a year ago. 556

Brad Weldon grabbed a garden hose as the Camp Fire approached his house, spraying water to keep the flames at bay and protect his disabled, elderly mother inside.With fire on all sides, he went from one hose to another. When there were no hoses with water left, he picked up a bucket and started scooping water from his above-ground pool.He had stayed in Paradise, California, to protect his 92-year-old mother, who is blind and was unwilling to leave.With the help of a friend who is his mother's caregiver, Mic McCrary, Weldon fought the flames from the Camp Fire."There was times we were laying on the ground pouring the water on ourselves so we didn't burn," Weldon, 62, said.Did he ever think he was going to die?"Oh yea, of course, quite a few (times). Quite a few," he told CNN on Tuesday while looking at the damage to his yard and the horrific destruction to his neighbors.The water to the hose lasted four hours. He had more water in the pool. Getting in the pool was a last resort in case the heat and the flames came too close, but they ended up only needing it for the buckets.The house made it. He made it. Everyone is fine."It feels good to have it. I feel so sad for everyone though. Everybody I know lost everything," he said while crying for his neighbors.Five days after the record-setting blaze burned almost every home in town, Weldon, who is retired, is trying to stay positive.Weldon is hopeful his home can serve in the aftermath as an anchor for people to come to while they plan for rebuilding or whatever comes next.Weldon, his mother and McCrary are fortunate. Forty-two people died in the Camp Fire, and more than 6,400 homes are gone.Their house is remarkably unscathed, save for some scorching on the back of the work shed.Officials are still looking into the cause of the fire. They are investigating a report of a transmission line outage about 1 mile northeast of the town of Pulga, about 9 miles from Paradise.While the blaze no longer appears to pose a direct threat to Paradise, Mayor Jody Jones is concerned about marshaling resources for cleanup and recovery so people can return to what's left of their homes."My biggest concern is, do we have the resources to clean up debris and get safety hazards out of the way so people can get to their property ASAP," she said. 2315

BREAKING NEWS: @DNC announces that @JoeBiden and others will NOT be coming to Milwaukee for #DNC2020 @tmj4 pic.twitter.com/TQT81upAXm— Tom Durian (@TMJ4Tom) August 5, 2020 179

Bears’ legend and Hall-of-Fame running back Gale Sayers died Wednesday, the Hall of Fame confirmed. He was 77. pic.twitter.com/hfKAptZPyx— Adam Schefter (@AdamSchefter) September 23, 2020 195

来源：资阳报