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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

Pilots coming into LAX airport in the Los Angeles area on Sunday reported something that sounded right out of a movie from nearby Hollywood. A person flying in a jetpack.Audio from LiveATC.net and shared by several local media show crews on both Southwest Airlines and American Airlines flights saw the person.Pilot: “Tower, American 1997, we just passed a guy in a jetpack”Tower: “American 1997, OK, thank you, were they to your left side or right side?”Pilot: “Off the left side at ah maybe 300-ah-300 yards or so, about our altitude”Tower: “OK American 1997”--Tower: “Southwest 6046”Southwest Pilot: “Tower, we just saw the guy pass by us”--Tower: “JetBlue 23 please caution a person with a jetpack reported 300 yards south of the LA final at about 3000 feet”Pilot: “JetBlue 23 we heard and are definitely looking”Tower: “Only in LA”--For reference, the tallest building in the US, One World Trade Center in New York, is 1,776 feet tall. The average altitude for skydiving in this country is about 10,000 feet in the air. The pilots claim the person with a jetpack was flying at about 3,000 feet in the air.Local law enforcement is investigating the reports. 1169

Police said a two-year old boy died after ingesting medication at his grandmother’s house in Henrico County, Virginia Friday afternoon, according to WTVR-TV.Lt. Richard Brown with Henrico Police said the two-year-old swallowed up to 12 adult-dosage pills before he was transported to VCU Medical Center where he died.Officials said his body has been transported to the medical examiner’s office to determine his exact cause of death.When reporters arrived at the home Saturday, social services workers were inside investigating.The family’s spokesperson, Ricky Johnson, said he could not provide additional information since Kejon Edwards’ death is still under investigation.“We suffered a loss and we are just asking that you pray for this family and pray for this community,” said Johnson with the Ricky Johnson and Friends Foundation. “The family is asking for privacy right now, while we try to figure this out. We’re just lost for words right now.”?Neighbors said the victim has two siblings.“It’s a tragedy and I’m going to miss him,” one neighbor said.Officers said the incident remains under investigation. There has been no word if anyone will face charges in connection with Kejon’s death. 1212

Our nation’s veterans and Gold Star families will receive free access for life to any national park, national wildlife refuge, and other federal lands.Beginning Veterans Day, which is Wednesday, the Department of Interior said they would permanently waive the entrance fees for them.“The Trump Administration is committed to honoring American patriots – the men and women who have served in our armed forces,” said Secretary Bernhardt in a press release. “With the utmost respect and gratitude, we are granting veterans and Gold Star Families free access to the iconic and treasured lands they fought to protect starting this Veterans Day and every single day thereafter.”To get the free pass, which is called America the Beautiful, veterans must provide a form of identification that would show they served in the armed forces or in the United States National Guard and Reserves.Gold star families are next of kin of a member of the United States Armed Forces who lost his or her life in a war, an international terrorist attack, or a military operation outside of the US while serving in the armed forces, the department said.With the pass, 2,000 federal recreation sites on more than 400 million acres of public lands, including Yosemite, Grand Canyon, Arches, and Mount Rushmore National Memorial, will be accessed.The department already waives fees for active-duty military service members. 1403

PALM BEACH GARDENS, Florida — A heroic act caught on video.A baby nearly choked to death at a Florida mall but quick-thinking officers who just happened to be nearby stepped up to save her life. The incident unfolded nearly two weeks ago. One-year old Lucia Graham was rescued by two Palm Beach Gardens, Florida officers who happened to be eating lunch nearby when she started choking."They were there for a reason and that reason was to save her life," said Ana Jaramillo de Graham, Lucia's mother.In the surveillance video, Jaramillo de Graham can be seen with her two kids, including Lucia's toddler brother, enjoying Kid's Day at Palm Beach Gardens Mall."We got hungry, and like we always do, we went to Chick-fil-A," she said.Lucia then started choking on a chicken nugget."She looked at me with her eyes wide open. She tried to do something with her mouth — she couldn't cough, couldn't do anything," said Jaramillo de Graham.The mother tried a technique taught to her by her pediatrician, which involved sharp blows to the baby's back to dislodge the object. She said in a panic she must not have been performing the technique hard enough, so she started screaming for help.Officer Robert Ayala and Officer Rafael Guadelupe rushed over right away."Officer Ayala stepped in, I handed her to him. He sat down and so quickly started performing what he needed to do to make sure she was OK. And I sat on the floor panicked. I just wanted to make sure she was OK," she said.Finally, the chicken was removed and Lucia was able to breathe again."They're our heroes. They are the best, best angels we could've had that day at the mall," Jaramillo de Graham said.Lucia was immediately checked by EMT staff at the mall. Despite the close call, baby Lucia is 100 percent healthy."They knew exactly what to do to save her life," Lucia's mother said. "So, thank you so much officers because if it wasn't for you guys, we probably, definitely wouldn't be here with our Lucia."Jaramillo de Graham recommends all parents take classes so they can properly administer CPR or life saving techniques to children if they are choking.On Thursday night, those officers were honored by city council and Lucia's parents. 2260