专业的昌吉妇科医院(昌吉为什么有时会硬不起来) (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

BONSALL, Calif. (KGTV) — The San Luis Rey Downs Country Club and Golf Course shut down after being a popular spot for many in the community for over 50 years.After four years of being a vacant property, a new project is underway to revamp the area. The Myrtle Creek Botanical Garden and Nursery has purchased the buildings that used to house the restaurant and banquet rooms. They’ll be revamping the inside and adding updates.The marketing director for Myrtle Creek, Kevin MacGregor tells 10News, “It’ll be basically what it was for the past 50 years, but with our spin on it minus the golf course of course”.RELATED: Evacuated horses begin to return home to San Luis Rey Downs after Lilac FireThe County of San Diego Department of Parks and Recreation tells 10News they purchased 200 acres from the golf course when it first shut down. They have plans to protect the natural habitats in the area with possibly adding some hiking trails. No revamped golf course is in any plans.Neighbors in the area are looking forward to the day the lot won’t be vacant and instead will bring them restaurants and bars right to their neighborhood.They tell 10News, over the past four years there’s been a problem with added trash and vandalism on the property. With construction underway and official new owners, they’re hopeful the mischief will subside.RELATED: Lilac Fire horses race at Del MarPhase two will include remodeling to the hotel also on the property. Myrtle Creek has plans to turn it into a 23-room boutique hotel.Christine Hoffman has lived in the neighborhood for 25 years, she even played on the golf course when it was open.Hoffman tells us the past four years have been sad for the neighbors nearby."To see it go in such disrepair the last few years is kind of heartbreaking," Hoffman said.Hoffman, like many other neighbors, are looking forward to the project. Because it’ll stay the same size and bring similar traffic as the golf course, no one is doubting the benefits of the project. 2013

BOULDER, Colo. – A 12-year-old boy was allegedly assaulted while holding a Trump sign as he rode his bicycle this week, according to a statement provided by the victim’s father to the Boulder Police Department.Jesse Rosales told officers his son came home from a bike ride early Monday afternoon and told him a woman had assaulted him.The boy told his father a woman on a moped spotted him, made a U-turn, drove up to him and said, “You want something to look at?”Police said the woman then used a closed fist to strike the boy in the back of the head and arms several times, and also caused a scratch on the boy’s left arm. While it did not cause pain, the boy told his father the scratch “burned,” according to the report.The police report states the woman then reportedly tried to take the Trump sign from the boy’s hands, who was using it to defend himself against the attack before she took off.The boy described the woman as white, in her late 20s to mid-30s with blondish brown hair past her shoulders. She was last seen wearing a small tan jacket, a blue shirt and blue jeans and was riding a grayish blue moped with a black seat.The boy said it wasn’t the first time he’s been attacked for showing support for President Donald Trump, though it is the first time it’s been done by an adult, the boy claimed.The boy said he was just holding the sign between his arms and riding his bike when the alleged assault happened, contradicting what the Boulder police report states – that the boy had the sign showing on the back of his bike.Recalling the attack, the boy said the woman “just looked at me and laughed” as she passed him before she reportedly started hitting him.The boy said he was confused as the attack was happening and said he is disappointed with people who attack others solely for their political views.“I like showing what I believe in,” the boy said. “I didn’t want any conflict – I just wanted to show what I believe in," the boy said.The boy, who said he’s now scared to show his support for Trump, asked for mutual respect and also asked that people stop attacking one another.“Just don’t attack people ‘cause what she did to me – that’s not okay,” he said.In a statement Wednesday evening, the Republican National Committee called on Democratic presidential nominee Joe Biden and Colorado Democrats to “disavow this act of hatred and violence on a child.”Boulder police said the boy’s father wants to pursue criminal charges against the woman.This article was written by óscar Contreras and Adi Guajardoor KMGH. 2549

Bank of America Merrill Lynch doctored paperwork on 16 million orders to fool institutional clients into thinking stock trades were taking place in-house when they were not, according to New York's Attorney General.The bank admitted on Friday to "systematically misleading clients" between 2008 and 2013 about how orders were handled for more than 4 billion shares of stock. 382

BONSALL, Calif. (KGTV) - Neighbors in Bonsall who survived the Lilac Fire are anxious about the impending hot, dry, windy weekend.The National Weather Service issued a Red Flag Wildfire Warning starting at 10 a.m. Saturday to 6 p.m. Sunday."With it being so hot the next couple days yeah I'm pretty much on high alert," Neighbor Kimberly Marrs said.She was there in December 2017 when her neighborhood lit up. She said homes a quarter mile away burned down.The Lilac fire burned 4,100 acres, destroyed 114 houses and damaged 55, and killed more than 45 horses according to fire officials.Giving Marrs reason to be hyper-aware, "I'm super diligent. I'm always looking at the sky and paying attention... Especially when it gets this extremely hot, especially having gone through the lilac fire, in the middle of it, I get a lot of anxiety from it and that's why I stay on top of it because I want to be super prepared."She said Saturday morning she is going to fill up her gas tank and coordinate with friends so everyone is ready to evacuate at a moments' notice. Another concern she has this weekend is the power staying on."I'll charge everything up in the morning and pull all the plugs in the afternoon... I think there's going to be a just a huge surge in power this weekend so we need to not blow the grid," she said smiling.The California Independent Systems Operator (CAISO), which manages the state's electric grid, issued a Flex Alert for the weekend. They're telling people to avoid heavy energy usage between 3 p.m. and 9 p.m. from Friday through Monday.Marrs hopes everyone takes her message as motivation to stay safe this weekend, "pray we don't have extreme Santa Anas, we get through this heat wave, stay cool, stay indoors, stay hydrated." 1764

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