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BERLIN (AP) — The alarming surge in coronavirus cases in Europe and the U.S. is wiping out months of progress against the scourge on two continents, prompting new business restrictions, raising the threat of another round of large-scale lockdowns and sending a shudder through financial markets.“We are deep in the second wave,” European Commission President Ursula von der Leyen said Wednesday. “I think that this year’s Christmas will be a different Christmas.”Chancellor Angela Merkel says German officials have agreed to a four-week shutdown of restaurants, bars, cinemas, theaters and other leisure facilities in a bid to curb a sharp rise in coronavirus infections. Merkel and the country’s 16 state governors agreed on the partial lockdown in a videoconference on Wednesday. It is set to take effect on Monday and last until the end of November. Merkel said, “We must act, and now, to avoid an acute national health emergency.” Shops and schools are to remain open, unlike during Germany’s shutdown during the first phase of the pandemic in March and April. Restaurants will be able to provide take-out food.French President Emmanuel Macron announced a nationwide lockdown in a televised address Wednesday, with 58% of the country’s intensive care units now occupied by COVID-19 patients.The lockdown in France will begin Friday, however Macron said schools will remain open.French military and commercial planes are ferrying critically ill virus patients to other regions as hospitals fill up and French doctors have called on the government to impose a new nationwide lockdown.France reported 288 new virus-related deaths in hospitals in 24 hours Tuesday and 235 deaths in nursing homes over the previous four days. Both figures marked the biggest such rise since May.“(France has been) overpowered by a second wave,” Macron said in a national televised address Wednesday.“Nothing is more important than human life,” he added, noting that France has one of the biggest coronavirus rates in Europe currently.Countries such as Switzerland, Italy, Bulgaria and Greece have closed or otherwise clamped down again on bars and restaurants and imposed other restrictions such as curfews and mandatory mask-wearing.The setback is especially dispiriting in Europe, which after a devastatingly lethal spring seemed to have beaten back the virus over the summer and was seen as an example of what the U.S. could accomplish.The virus is blamed for more than 250,000 deaths in Europe and about 227,000 in the U.S., according to the count kept by Johns Hopkins University.More than 2 million new confirmed coronavirus cases have been reported globally in the past week, the World Health Organization said. That is the shortest time ever for such an increase. Forty-six percent of the new cases were reported in Europe. 2821

BODEGA BAY, Calif. (AP) — Coast Guard crews have rescued three people and are searching for a man who went missing after a fishing boat capsized off Northern California.The Coast Guard said it received a distress call from the 54-foot vessel named Miss Hailee around 5:30 p.m. Saturday.When a helicopter crew reached an area about 30 miles north of Bodega Bay, they located two men and a woman in the water and hoisted them aboard the aircraft.RELATED: Coast Guard rescues man having stroke on cruise ship off San Diego CoastCrews were told a fourth man believed to be wearing a life jacket was missing. They stayed in the area searching for him and received assistance from good Samaritans aboard a tugboat named Cochise. 730

BELLEAIR, Fla. (AP/KGTV) — Haley Moore is a 22-year-old LPGA Tour rookie. The San Pasqual High School graduate made the winning putt in a playoff to clinch the 2018 NCAA championship for Arizona and qualified for the inaugural Augusta National Women’s Amateur last year. She also has struggled with weight issues and self-esteem for much of her life. Bullies would call her fat, take her belongings, damage her personal property. Moore doesn’t hide from those moments or the pain they caused — or still cause. Instead, she talks about her story openly, sharing what she went through and how it didn’t stop her from achieving the goal of playing on the LPGA Tour."I think it was more of a motivation when I was bullied, at first it was very hard," Moore told ABC 10News in 2019. "I didn't want to play this game anymore. I was depressed."With support from her family — and golf family — Moore told ABC 10News she focused on her dream and past any negativity."Don't let them control your life, with me, just putting it aside and focusing on what my main goal was to get on the pro tour, really, helped me, motivated me from it," Moore said.That focus rewarded with the title of "pro golfer" now in front of her name."If you want to be a professional golfer, it takes a lot of hard work, and you just have to be patient out there, you're not always going to have the best days," Moore said. 1395

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

BEND, Ore. -- It’s a crisp September morning. A good time to go for a hike. For 21-year-old Isaac Shannon, that means strapping into the AdvenChair.“I’m in a wheelchair because I have a mitochondrial disease, which is a progressive genetic disorder that affects pretty much everything in my body and makes me extremely tired and fatigued easily,” Shannon said.For the majority of his life, Shannon hasn’t been able to go on hikes. This is now his fourth time using the AdvenChair.“It’s rejuvenating to be outside, especially as a person with a disability because these resources are not exactly the most accessible,” Shannon said. “So when there is a tool that allows a person to be able to experience life in the most average way possible, I think it’s healing, and it’s nice to be out in nature where you’re not around people.”The AdvenChair is an adaptive, human-powered wheelchair designed to help people with physical disabilities get outside. Jack Arnold is the engineer who helped develop the chair.“It’s an all-terrain wheelchair. With a small team of people, you can go backpacking,” Arnold said.One person pushes from behind, and another – adequately referred to as a mule -- pulls from the front. Up to five people can help remove the chair with nylon straps and carabiners on more challenging trails.“There are so many people with physical challenges out there in the world,” Arnold said. “We take it for granted; we can get up and go for a hike. And everybody with physical challenges, they don’t want to be stuck indoors either. They want to get out.”The man who inspired and created the idea of the AdvenChair, Geoff Babb, was supposed to be on the trail with us, but a medical emergency rushed him to the hospital instead. Geoff is no stranger to the hospital. This visit is due to a complication with a pump in his abdomen that helps control muscle spasms. But as he puts it, it’s not his first rodeo.“I had my first stroke on November 10th, 2005,” Geoff said.Twelve years later, on the same date, Geoff had a second stroke. Now he lives with quadriparesis, which means he experiences weakness in all four limbs. His favorite medicine is nature.“For me, to start to heal, I had to be in my place of comfort and strength, which was being outside,” Geoff said.Outside is where he met his wife, Yvonne.“I mean, we weren’t born outside, but we’re just outdoorsy people,” Yvonne said with a laugh.Both worked as plant resource specialists. Geoff used to be a fire incident commander. As his primary caretaker, Yvonne’s life has been influenced by the AdvenChair as much as Geoff’s has.“To me, it’s a safe way to go out to the woods with Jeff and continue our life in an adventurous way,” Yvonne said.They can go on trips to the beach, or in the snow and trek through somewhat tricky trails.“Takes five or six people we’re like ‘ohhh we can do this,’” Yvonne said.Yvonne says Geoff is the most driven person she’s ever known. Geoff says his motivation is his desire to contribute to the world positively.“I have a purpose when I get up, and that purpose is to help people experience wild places eventually,” Geoff said.It’s a goal he’s already achieved on a small scale with other friends in Oregon.“I think this is one of the coolest things that I’ve gotten to experience in my life because I’ve been able to hike again without feeling tired or having any pain,” Shannon said.Geoff hopes to continue his legacy allowing more people to hike outside.“I want to be able to see other people in his chair… on the Camino, or climbing the Great Wall of China,” Yvonne said.No matter what life throws at him, Geoff says he will continue rolling boldly off the beaten path. 3684