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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

Paul Rudd put his money where his mouth is when it comes to thanking people for voting. Well, he put cookies in voters’ mouths, at least.The actor was at a Brooklyn area early voting location handing out baked goods to people waiting in line to vote in the rain.Brian Rosenworcel is a drummer for the band Guster and happened to be at the polling location when Rudd approached him. 389

Parents are considering different options when it comes to school as they manage the pressure of the COVID-19 pandemic.One option is called micro-schooling, which is basically a small school. It could have regular classroom space or operate out of someone's home, using remote curriculums.“Usually there's a theme attached to it, or a certain population they're serving, or they're trying to accomplish something that perhaps isn't getting accomplished in larger schools,” said Dr. Maureen O'Shaughnessy, Executive Director of the Micro-School Coalition.O'Shaughnessy started the Micro-School Coalition. She hopes micro-schools can help ease drop-out rates, making sure no kid falls through the cracks.She says they also allow teachers to build relationships with each student and focus on their passions.“We all thrive when we're seen and heard and valued, and that can't always happen if a teacher has 149 other kids to teach that day,” said O'Shaughnessy.She says parents in the Seattle area have turned to social media with questions about logistics or inclusion. That's also true for a mom in Boston who has created a Facebook group for parents and educators interested in micro-schooling."We want to utilize curriculum that our school system is working very hard to create,” said Jennifer Quadrozzi, who started the Massachusetts "Micro-Schooling" Resource Group. “We by no means are saying that's not good enough for us. We wish, in the perfect world, we could send them back to school and learn what teachers have to learn, but, for various reasons, we are uncomfortable doing that."The Micro-School Coalition offers free information sessions and podcasts if you want to learn more.O'Shaughnessy hopes the conversation on micro-schooling will increase scrutiny of our current system, which she calls outdated. 1825

Our personality affects the decisions we make, including how we shop. And as we know, Black Friday is going to be different this year. Those changes, along with having certain types of personalities, may not help our wallets.Being impulsive can lead people to make quick decisions and buy things without really thinking about it. And now that a lot of these Black Friday deals are online, it can trigger that impulsiveness, partly because we're not physically handing money over to someone.“When there’s no cash involved and there’s no real exchange like that, it’s just kind of like this single swipe, that really makes it a lot of harder to engage that part of our brain that help us make that decision in the best way for us,” said Dr. Michael Vilensky, a psychologist at Ohio State University’s Wexler Medical Center.The stress we're all feeling this year can also be a trigger. You might have family members who are sick, maybe you lost your job, and maybe you're stressed just because you haven't seen your family in a while and won't be able to during the holidays.Psychologists say we may resort to shopping to feel like we have some kind of control.“If it does feel like shopping is a way to manage difficult emotions, think of some other strategies that may be a way to do that. If it’s talking to a friend. If it’s doing some other kind of relaxing activities or stress reduction activities,” said Vilensky.In addition to this, one thing we can do to control our shopping is getting rid of apps that have a single swipe or single tap payment option.If you know you'll be shopping online, give yourself 24 hours to think about a purchase before you pay for it. That'll help you think about whether you really need or want it. 1743