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Believe it or not, some people working from home are starting to miss their morning commute, so much so that they’ve started “fake commutes” and experts are applauding the decision.“At first I didn’t miss it. I thought ‘oh well my workday starts as soon as I wake up,’ which was nice at the time,” said Joshua Chickasawa.Chikasawa is an accountant who went from an hour long, 10-mile, bike ride to work each day, to work at his fingertips within minutes. However, after a few weeks that got old.“Even though I don’t have to bike to an actual destination or anything like that, I have been going on a bike ride for an hour or so,” said Chikasawa. “Sometimes, I’ll bike by the office I am supposed to be at.”He’s now getting up again at 5 a.m. and does, his “fake commute.”“It is just forcing myself to get out of bed, so I am actually going outside and having a real start to my day like I used to,” he added, “instead of just rolling to my laptop and starting the work day without having any real distance between my personal life and work.”You might be surprised how normal these fake commutes are becoming.“I have actually heard this from some of my friends and colleagues,” said Jon Jachimowicz.Jachimowicz is a professor at Harvard University.“There is this tension that we are experiencing right now where we are actually beginning to understand that even though we hate the commute in yester-year time when we actually went to the office, there was also something valuable about it,” said Jachimowicz.The professor recently published research showing one of the biggest benefits was the time the commute gave us to transition between personal life and work. Also, that the transition period in this new normal can effectively be replicated with a fake commute or new before and after work ritual.“I don’t think it actually matters what exactly it is,” said Jachimowicz. “It can be something as easy as putting on work clothes, which is what I do.”Companies are even starting to see the need for this. Microsoft recently announced it’s adding a virtual commute feature to its Teams platform to help workers transition in and out of work mode. Although, the company has not fully outlined what that will actually look like. 2235

BREAKING - Ronna McDaniel, the RNC chairwoman, tested positive for the coronavirus on Wednesday, multiple sources say. She has mild symptoms. She was last with POTUS last Friday and has been in Michigan since then.— Maggie Haberman (@maggieNYT) October 2, 2020 268

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

Brewster police in Stark County, Ohio are looking for thieves who broke into a church Sunday morning and stole money.The suspects broke into Brewster Friends Church at 139 W. Main Street and took an undisclosed amount of money.Police say the suspects got into the church by prying open a back door and then prying open several more doors inside.The suspects are unknown at this time.  402

BORREGO SPRINGS (CNS) - San Diego Gas & Electric will use a .5 million federal grant to upgrade the Borrego Springs microgrid with new technology so it can operate on completely clean energy, the utility announced Friday.The grant, from the U.S. Department of Energy's Solar Energy Technologies Office, will provide funds to purchase smart power inverters, controls and an energy management system. The new devices will improve energy reliability, stabilize the microgrid and help it become 100% renewable.A microgrid is a mini power grid and may include a power source like solar energy, an energy storage component and controls and switches that allow it to operate independent of or parallel to the larger grid. The Borrego Springs microgrid is the first such utility-owned grid in the nation."This grant award comes at a pivotal time for our customers, our company and the next evolution of microgrid technology," said Will Speer, vice president of electric engineering and construction for SDG&E. "Microgrids are one of the tools to enhance community resiliency and maintain energy service during emergencies. With the smart grid technology that we will incorporate into the microgrid, we are confident that this facility can become a model for future clean energy microgrids."The Borrego Springs microgrid began operations in 2013 after SDG&E saw an opportunity to improve energy resiliency for the approximately 2,800 people in Borrego Springs -- a remote desert town subject to extreme heat and monsoonal weather. Until then, the town relied on a single transmission line and distribution circuit for its power. The microgrid is connected to a local 26-megawatt solar field -- owned by a third party -- two battery storage systems, two generators and an ultracapacitor to keep power flowing to the town during emergencies and planned outages on the larger grid."This is great news for Borrego Springs, especially during emergencies like severe weather," said County Supervisor Jim Desmond. "It's important for San Diego County that we continue to move towards a healthier and more sustainable future."Due to unstable voltage conditions and solar energy output fluctuations, it is challenging to operate the microgrid using 100% clean energy. The new inverter, controls and energy management system will help address these challenges and transition the microgrid to a true 100% clean energy facility.SDG&E operates two microgrids -- including the Borrego Springs location -- within San Diego and southern Orange counties. The company is currently constructing four additional microgrids set to be completed in 2020 and 2021 as part of its Wildfire Mitigation Plan. 2697