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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

BROKEN ARROW, Okla. -  A Green Country, Oklahoma couple got the opportunity of a lifetime, a free wedding from perfect strangers planned in a day."It's all because of God that all of this has happened," said Willow Creek Mansion owner Cortney Gertner.The sun set outside the Broken Arrow mansion Wednesday evening, but the excitement inside was rising. "I didn't think we would find a bride and groom," said Poppy's Garden owner Meagan Ferren.This all started with her leftover flowers from a photo shoot a few days before."She was going to throw all of the flowers away and I was like, you can't just throw all of those beautiful flowers away," Gertner said."I was like, I know it's going to make me absolutely sick to my stomach," Ferren said.But Ferren had an idea."Then she was like, no we should find somebody that wants to get married in the next day or two and I said, seriously? And she was like, yea, you should post something about that."Gertner put the post on the mansion's Facebook page offering a free wedding in just two days."Whenever I went to my Facebook app It was the first thing I'd seen," said bride Karissa Alexander, who said she thought it was hilarious."I sent it to him as a joke.""She kind of sent it to me laughing, you know. So I sent it back, 'do it,'" said then, fiance Tyler Alexander.He was kidding, of course.But it was too late.Just 24 hours later, Karissa's bridal suite was buzzing."It was actually setup for September of last year and we postponed it for this year."Reflecting on a trying year that left her handcrafted wedding dress sitting in her mother's closet waiting indefinitely for the day Tyler could finally see it.The moment, was unforgettable."Everything that's happened has been, I just feel like it's a God thing," Ferren said.Everything coming together for the anniversary date that chose them.The day, planned in a day, is one they'll never forget.Karissa and Tyler said they're extremely grateful to every vendor and professional that dedicated their talents for free to their special day: Willow Creek Mansion (Venue), Poppy's Garden (Florist), Tracie Carlton Event Planning & Design (Officiant husband Matt), Katrina Wheeler Photography (photographer), Laurannae Baking Co. (Cakes) and Mr. Letney who gave a Unity Cross.  2316

BRISTOL, Wis. -- For a fruit farmer who knew little about growing flowers, the pandemic was the perfect nudge to try something new. So, he plowed over his strawberry fields to plant a patch of sunshine and it’s grown beyond his wildest dreams.Scott Thompson’s family has been farming strawberries in Bristol, Wisconsin, for generations.“We've been around for a just about 100 years.”As the general manager of Thompson Strawberry Farms, he says they’ve adapted over time starting with apples and strawberries at first.“We've kind of morphed over the years where we have raspberries and pumpkins as well.”But this year, the pick-your-own farm traded the sweet fruits for something more picturesque.“This year is our first crack at pick your own sunflowers,” said Thompson.Even though Thompson knew very little about the bright yellow flower, he started out slow, until the pandemic hit and then had a thought.“This might be something that people might be really interested in. And so, I started planting. I did a small four-acre field then another four acres, then 10 acres. So, it just kind of grew, grew, grew.”He ended up planting not hundreds or thousands, but 2.2 million sunflower seeds across 22 acres of fields.“Having sunflowers is cool, but having a lot of sunflowers, that's really cool,” he said.For visitors like Sarah Akers and her 2-year-old son Xavier, it’s an eye-popping treat.“When they said how big it was, this is not what I was expecting,” said Akers. “It definitely is more impressive than what it sounds like when you just read about it.”It’s also a paradise for pollinators. Bees buzz from flower to flower. And with 15 fields, Thompson says it’s a great outing during the pandemic.“It's a perfectly natural social distancing activity,” said Thompson.The massive blooms have attracted visitors from all over the country. Debbie Berdinski, visiting from Alabama, was enthralled.“I love it. I think it's beautiful,” she said.And the decision to swap out strawberries for sunflowers has unexpectedly turned Thompson’s farm into his very own golden field of dreams.“You could really just go out and have a fun time and kind of forget about reality for a little bit,” he said. “Just enjoy being out here in this sea of yellow flowers.”And in a year like 2020, a little sunshine goes a long way. 2320

BLOOMINGTON, Ind. -- A Bloomington, Ind. man is accused of holding a toddler under hot water as a punishment after the child soiled his diaper, causing severe burns.The investigation began on November 24, after the 2-year-old boy was transported to Riley Hospital for Children to be treated for multiple severe burns and other injuries.According to court documents, Dennis Tannen, 29, was watching his girlfriend’s son while she was at work when the child was burned.Tannen initially told police that he had put the child in the bathtub and left him for “10 seconds” and when he came back the child had turned on the hot water, burning himself.The child's mother said Tannen called her and she rushed home and found him “outside smoking a cigarette.” She told police that her son had large burn marks on his face that looked like his skin was falling off when she first saw him. They took the child to IU Bloomington Hospital where he was later transported to Riley Hospital for Children.The child was treated for severe burns on his face, lips, buttocks, and genitals. Riley doctors told police that the child also had suspicious bruising on his chest and face and that the child’s injuries did not match up the couple's story. After multiple rounds of questioning, Tannen eventually admitted to police that he was waiting for a phone call when the toddler had a bowel movement in his diaper. He said he became agitated and went to wash the child off in the bathtub, turning the water on “full hot” and holding him under it to wash him off.Tannen told police he also put the child’s face under the same hot water to wash and that the child had slipped when he was holding him and he grabbed him, which caused the bruises on the child’s chest.Tannen was arrested and charged with felony neglect of a dependent. 1833

Biden: “I’m not going to make any news today. I’m not going to talk about anything other than 9/11. We took all our advertising down. It’s a solemn day. That’s how we’re going to keep it, OK? You can determine whether I make news but I’m not going to be holding any press confs.” pic.twitter.com/svpTXi6O3J— Jennifer Epstein (@jeneps) September 11, 2020 361