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BEVERLY HILLS, Calif. — A restaurant in Beverly Hills is facing criticism for trying to plan a “discreet” New Year’s Eve dinner violating California’s coronavirus restrictions.Indoor and outdoor dining have been banned in the Southern California region after the area reached ICU bed capacity earlier this month according to the state’s health department.A journalist in the Los Angeles area tweeted an image of the invitation, which allegedly were inserted into to-go bags from La Scala. The dinner was supposed to have a 1920s prohibition/speakeasy theme. 565

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

Boeing will cut more jobs as it continues to lose money and revenue during a pandemic that has smothered demand for new airline planes. The company said Wednesday that it expects to cut its workforce to about 130,000 employees by the end of next year, down 30,000 from the start of this year. That is far deeper than the 19,000 reductions that the company announced three months ago."The global pandemic continued to add pressure to our business this quarter, and we're aligning to this new reality by closely managing our liquidity and transforming our enterprise to be sharper, more resilient, and more sustainable for the long term," said Boeing President and Chief Executive Officer Dave Calhoun in a news release.Boeing is updating its plans for jobs on the same day it's reporting a 9 million loss for the third quarter, a swing from the .17 billion it earned in the same period last year. Calhoun added that revenue in the third quarter for commercial airplanes was decreased to .6 billion due to COVID-19 lowering delivery volume.According to CNN, Boeing's shares dropped about 2% on Wednesday.The loss was narrower than analysts expected, however. Revenue tumbled 29% to .14 billion. 1210

BLACKSTONE, Va. — The Jones family has had to adapt to survive and maintain their longstanding farm in Blackstone, Virginia, especially amid the pandemic.“This is a relationship that you’ve been in all your life and to try and figure out how to live without it is just, I mean you hear stories about people who sold the farm and didn’t get off their sofa for the next few years. It’s just soul crushing,” said TR Jones.The farm has been in Jones’ family for 270 years. That’s 270 years of his family’s blood, sweat and tears in the soil. It’s not just his job, it’s his family legacy“Nobody wants to be the one to lose the farm,” said Jones.Farming has never been an easy business and it certainly hasn’t the last few years. The Jones family has had to adapt. It started growing tobacco in the 1700s and then switched to dairy in the 1950s.That means milking over 200 cows at 3 a.m. and then again in the afternoon.“We milk them in five and five sections and in the entire parlor, we can actually milk 20 cows at a time,” said Brittany Jones.A little over a year ago, they decided to bet on themselves again and become a creamery, processing their own milk and making a little ice cream. That’s when Richlands Creamery was born.TR runs the farm with his wife Brittany and his dad, while his sister runs the creamery. But to build the creamery, they had to mortgage the family’s legacy for their future.“We basically put up that whole 270 years against that loan, saying we believe this is going to work,” said Jones.That was before the pandemic. The creamery has been treading water, but they’ve been hit hard just like everyone.“We were kind of getting revved up. We had just gotten ourselves into some Food Lions. All our retail stores, that wholesale purchase from us, were lined up to start buying ice cream, our restaurants were lined up to buy milk and cream, coffee shops, all those things. Then COVID started, which oddly enough was not in any of those feasibility studies,” said Jones.The Jones family is in a tough situation, a situation a lot of families in America are in. Everything they have in this world is threatened by the pandemic.“It’s been difficult because we lost those wholesale accounts to those coffee shops, restaurants, donut shops, ice cream shops that should have all been open this past summer, and they weren’t,” said Jones.But just like millions of Americans, they might be down, but don’t count the Jones family out.“To say that I can just move on to the next job, walk away, do something else, you don’t just walk away from that and say, didn't work out, on to the next job," said Jones.The Jones family is going to keep doing what they've been doing for almost 300 years and for the last year, keep working hard, taking care of their cows and making milk and ice cream for their community.They're going to keep fighting, like so many other American farmers.“You have this group of people who should be run through the mud, but when you sit down and talk to them, they’re so happy to talk to you, they’re so optimistic that tomorrow is going to bring better things and that the journey behind is essentially forged them for the road ahead. And I don’t know that there’s a group of people like that anywhere else in the world,” said Jones. 3281

BALTIMORE, Md. - A picture is worth a thousand words. It's a cliche saying but it's true.Many times when you look at a picture, it takes you back to that exact moment in time. That's what a local artist focuses on doing for people to capture their memories.Shawn Parsons has been painting his entire life and sells his work but sometimes he gives away a piece of his artwork.Over the winter, he painted a picture of a pet after his coworker's dog died."The overwhelming joy was so huge for me when I left there I thought maybe there’s something about painting someone else’s memories," said Parsons. "It was such a cool feeling for me to give something to someone where the emotion was so high I continued to do it."So he painted a few more and gave them away.This pandemic put a different twist on things for Parsons. His friend, Erin Millon, asked if he would paint a picture for her son's birthday. It was just another project that turned into a movement.Parsons painted a picture for her son, McCabe, of him playing lacrosse. McCabe made the varsity lacrosse team at McDonogh High School as a freshman but his season was canceled."We were able to play two games and then everything shut down," said McCabe. "It hurt a lot, still does. One of the worst parts about it was seeing how much the seniors lost and knowing how much they care and how much they’ve been working all fall, all winter."McCabe was blown away by Parsons' painting, he wanted others to feel what he did. So Parsons painted a picture for Scott Cole, a senior who helped McCabe even before high school.Now, 25 student-athletes have been part of this pay it forward movement."It’s special for me to know other seniors who lost their seasons are now getting that same moment I got to see Scott have in their own way," said McCabe.If you're interested in being part of the movement go to honoryourstudentathlete.com or majorleaguecreative.com."If they can’t play can you just give me a memory of a time when I did play," said Parsons. "I paint a picture for you and for no additional cost I paint one for someone else."This story was first reported by Erin MacPherson at WMAR in Baltimore, Maryland. 2175

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