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People who aren’t rich or famous typically don’t have prenuptial agreements, which are legal documents detailing who gets what in a divorce. Even ordinary folks without prenups, though, should think about how to protect their money if something goes wrong.Planning for divorce may be cynical, but it’s also smart, San Diego certified financial planner Ginita Wall says.“It’s cynical to put on a seat belt when you pull out of your garage, because you’re planning for an accident,” says Wall, who is also a certified public accountant and the author of several books including “The ABCs of Divorce for Women.” “You want to be safe if that happens, God forbid.”Marital breakups aren’t the only concern. Creditors can come after joint accounts and property if a spouse has unpaid debts or gets sued, says Carl Soranno, a family law attorney in Roseland, New Jersey.“Even if your marriage is strong, or you think it’s strong, there are events that can put pressure on it,” Soranno says.Estate planning also can be easier when at least some assets are kept as separate property. You might trust your spouse to do right by the kids after you’re gone, for example, but can you trust your spouse’s next spouse? Separate property can allow you to better control who inherits after your death.“Separate property,” by the way, is the legal term for assets such as cash, investments and real estate that you owned before you married. It also applies to any gifts or inheritances you receive during marriage.But there are plenty of ways separate property can become marital property if you’re not careful. Depositing an inheritance into a joint account can do it. So can using money from a joint account to pay taxes on separately owned investments or property. State laws vary enormously, so it can be worth consulting an experienced attorney or financial planner to find out the rules that apply in yours, says CFP Shelly-Ann Eweka, a wealth management director with TIAA in Denver.“You want someone familiar with your state laws and your situation to give you advice,” Eweka says.Here are some moves that typically help to protect what you own:Have ‘mine’ and ‘ours’ accounts 2178

PICO RIVERA, Calif. -- Firefighters responded after a large apartment complex burst into flames outside of Los Angeles Thursday afternoon.One person was taken to the hospital after the fire. The extent of their injuries is unknown. The fire erupted in Pico Rivera. Firefighters said portions of the roof have collapsed as a result of the fire.The entire apartment complex has been ordered to evacuate. According to firefighters, the fire started in the center of the building and spread quickly.Watch a Facebook live of the fire in the player below:  568

PALA MESA, Calif. (KGTV) -- A 5-year-old boy critically injured in Saturday’s deadly bus crash was airlifted to a Riverside County hospital Sunday, authorities said. The young boy was airlifted from Inland Valley Medical Center to the Riverside University Health System Medical Center in Moreno Valley to be treated for a head injury, California Highway Patrol Officer Mark Latulippe said. The boy was among 21 passengers on a charter bus traveling to Tijuana from El Monte. The crash happened on Interstate 15 south of State Route 76. Three women were killed in the crash that left 18 others hospitalized. Five of those injured were taken to Palomar Medical Center in Escondido, five to Inland Valley Medical Center in Wildomar and eight to Temecula Valley Hospital, Latulippe said. RELATED: At least three dead, 18 injured in bus rollover on Interstate 15Three passengers suffered major injuries, Latulippe said, and officials were determining the other injured patients' conditions Sunday morning.The crash happened around 10:30 a.m. Saturday when the charter bus owned by Executive Lines Inc. slid off the 15 during heavy rain. The bus then continued down an embankment before landing on its roof, ejecting several passengers. A vehicle inspection report dated November 5, 2019, shows that, as of that date, the windshield wipers were either inoperative or defective. The same report shows that the vehicle had no spare fuses “as required.” A second report of the bus line revealed that 48 percent of vehicles in that particular safety group have better on-road performance. The review also showed no “acute/critical violations discovered.”City News Service contributed to this report. 1698

PARKER, Colo. — When 22-year-old Hannah McNeill went to sleep one night in August earlier this year, she had no idea her life was going to be dramatically altered. She woke up, couldn't move her legs and eventually was diagnosed with a rare polio-like disease that is now on the rise in Colorado."You never think it would happen to you so you don't prepare for it," she told KMGH. Acute flaccid myelitis is a spinal disease caused by a form of enterovirus. It's extremely rare and usually impacts children, causing loss of feeling and use of the arms or legs. It can leave children with permanent paralysis. "I was trying to move my toes and my feet and nothing would happen," she explained. "I knew what I wanted to do but I couldn’t pull my leg up, couldn’t take a step."Health officials report 14 cases in Colorado so far in 2018. The Colorado Department of Public Health and Environment said of those cases 11 people tested positive for enterovirus A71, one tested positive for enterovirus D68 and two people tested negative for any type of enterovirus."While all the patients were hospitalized, nearly all have fully recovered. There have been no deaths," CDPHE's Shannon Barbare said in a statement. But McNeill still hasn't fully recovered. "I still don't have all my leg strength which is why I'm in a wheelchair," she said."There is no vaccination or specific treatment for enteroviruses. People with mild illness typically need treatment only for symptoms," Barbare said in a statement. "However, some illnesses caused by EV-A71 and EV-D68 can be severe enough to require hospitalization."Colorado has previously had outbreaks of the less-common enterovirus types. Enterovirus D68 sickened 11 people with AFM. Enterovirus A71 caused similar epidemics to this year's in 2003 and 2005, the CDPHE said.The CDC has a web page devoted to AFM. It says that most patients afflicted by the disease are children and that scientists have not yet determined a single pathogen detected in patients’ spinal fluid that causes AFM.But in McNeill's case, she said she's not done getting back to her normal life. She goes to physical therapy three times a week and has been making progress in the weeks since she was released from the hospital. "Two months ago I couldn’t walk, now I can in my walker," she said. "I have to get on my feet. I have a horse to ride. I have hair to do. I have so much life to live so this isn't gonna stop me now." 2545

PINELLAS COUNTY, Fla. — A handful of parents are fuming over a sex ed course being taught in their children’s school and the religious group that's teaching it.Mona Mangat, the mom of an 8th-grader at Thurgood Marshall Middle School in Pinellas County, Florida, said she and other parents are “angry about this, upset about this and trying to figure out how this is possible.”Mangat knew one thing for sure: Her daughter would opt out of a sex ed course being taught Thursday by the Christian faith-based group More2Life.“It’s shocking when you find out that faith-based groups are providing this information in schools. I had no idea. I thought that was not allowed in the United States, but I guess I was wrong," she explained.Mangat said she worries the curriculum is biased especially since the group is linked to a pro-life crisis pregnancy center in Largo called New Life Solutions. The More2Life group focuses on abstinence in their presentation to schools.In one presentation they told students, “Sex is like fire. It's safe in its proper context like a committed marriage, just like it's safe in a fireplace.”In another, while speaking about the high rate of STDs, a leader told students, "Have you ever played duck, duck, goose? Now it's like duck, duck, chlamydia." Scripps station WFTS in Tampa took parents' concerns straight to Jason Dorr, the director of More2Life, who said their program does not discuss religion."Our message is completely a health message,” Dorr explained.Dorr added, in line with Florida rules, they encourage abstaining from sex before marriage. The organization has spent 19 years talking to students about the consequences of STDs and teen pregnancy. “We always make this clear: We are not here to tell you what to do. This is an option for your life and we want to present that to you so you can make your own choices," Dorr added. “We are teaching them to have a healthy life and reach their goals without the consequences that can affect their future, so it's adding to what they're already learning at home.”Dorr also said 95 percent of teachers give them high ratings and highly recommend their program to other classrooms.Mangat is fighting to get the program out of schools and swapped out for one that focuses purely on facts.“The choice to have sex is intensely personal. You have to have complete information to make that decision," Mangat added.The Pinellas County School district said students are able to opt out of the presentations. They are also currently reviewing the More2Life content to make sure it’s appropriate.  2637