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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

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

PENSACOLA, Fla. (AP) — The Saudi student who fatally shot three people at a U.S. naval base in Florida hosted a dinner party earlier in the week where he and three others watched videos of mass shootings, a U.S. official told The Associated Press on Saturday.One of the three students who attended the dinner party videotaped outside the building while the shooting was taking place at Naval Air Station Pensacola on Friday, said the U.S. official, who spoke on condition of anonymity after being briefed by federal authorities. Two other Saudi students watched from a car, the official said.The official said 10 Saudi students were being held on the base Saturday while several others were unaccounted for.U.S. officials had previously told the AP they were investigating possible links to terrorism.The student opened fire in a classroom at the base Friday morning, killing three people.A U.S. official who spoke to The Associated Press on condition of anonymity on Friday identified the shooter as Mohammed Saeed Alshamrani. The official wasn’t authorized to discuss the matter publicly. The official also said the FBI was examining social media posts and investigating whether he acted alone or was connected to any broader group.The assault, which prompted a massive law enforcement response and base lockdown, ended when a sheriff’s deputy killed the attacker. Eight people were hurt in the attack, including the deputy and a second deputy who was with him.Family members on Saturday identified one of the victims as a 23-year-old recent graduate of the U.S. Naval Academy who alerted first responders to where the shooter was even after he had been shot several times.“Joshua Kaleb Watson saved countless lives today with his own,” Adam Watson wrote on Facebook. “He died a hero and we are beyond proud but there is a hole in our hearts that can never be filled.”Florida U.S. Sen. Rick Scott issued a scathing statement calling the shooting — the second on a U.S. Naval base this week — an act of terrorism “whether this individual was motivated by radical Islam or was simply mentally unstable.”During a news conference Friday night, the FBI declined to release the shooter’s identity and wouldn’t comment on his possible motivations.“There are many reports circulating, but the FBI deals only in facts,” said Rachel L. Rojas, the FBI’s special agent in charge of the Jacksonville Field Office.Earlier Friday, two U.S. officials identified the student as a second lieutenant in the Saudi Air Force, and said authorities were investigating whether the attack was terrorism-related. They spoke on condition of anonymity to disclose information that had not yet been made public.President Donald Trump declined to say whether the shooting was terrorism-related. Trump tweeted his condolences to the families of the victims and noted that he had received a phone call from Saudi King Salman.He said the king told him that “this person in no way shape or form represents the feelings of the Saudi people.”The Saudi government offered condolences to the victims and their families and said it would provide “full support” to U.S. authorities.The U.S. has long had a robust training program for Saudis, providing assistance in the U.S. and in the kingdom. The shooting, however, shined a spotlight on the two countries’ sometimes rocky relationship.The kingdom is still trying to recover from the killing last year of Washington Post columnist Jamal Khashoggi at the Saudi Consulate in Istanbul. Saudi intelligence officials and a forensic doctor killed and dismembered Khashoggi on Oct. 2, 2018, just as his fiancée waited outside the diplomatic mission.One of the Navy’s most historic and storied bases, Naval Air Station Pensacola sprawls along the waterfront southwest of the city’s downtown and dominates the economy of the surrounding area.Part of the base resembles a college campus, with buildings where 60,000 members of the Navy, Marines, Air Force and Coast Guard train each year in multiple fields of aviation. A couple hundred students from countries outside the U.S. are also enrolled in training, said Base commander Capt. Tim Kinsella.All of the shooting took place in one classroom and the shooter used a handgun, authorities said. Weapons are not allowed on the base, which Kinsella said would remain closed until further notice.Adam Watson said his little brother was able to make it outside the classroom building to tell authorities where the shooter was after being shot “multiple” times. “Those details were invaluable,” he wrote on his Facebook page.Watson’s father, Benjamin Watson, was quoted by the Pensacola News Journal as saying that his son was a recent graduate of the U.S. Naval Academy who dreamed of becoming a Navy pilot. He said he had reported to Pensacola two weeks ago to begin flight training. “He died serving his country,” Benjamin Watson said.The shooting is the second at a U.S. naval base this week. A sailor whose submarine was docked at Pearl Harbor, Hawaii, opened fire on three civilian employees Wednesday, killing two before taking his own life. 5106

PAWTUCKET, R.I. (AP) — A Trolls doll is being pulled off store shelves amid complaints it promotes child abuse. Toymaker Hasbro said Wednesday that it's in the process of removing the "Trolls World Tour Giggle and Sing Poppy" from the market and will be offering customers a replacement doll of the popular female character. The doll had been designed to giggle when placed in a sitting position, but some parents complain the sound activation button is inappropriately placed between the doll's legs. In a statement to the Providence Journal, Hasbro spokeswoman Julie Duffy said that the placement of the sensor wasn't intentional. An online petition suggests the doll is "conditioning our children to think pedophilia is OK." 735

PLAYA DEL CARMEN, Mexico -- An explosion that tore through a ferry in Playa del Carmen injured 25 people Wednesday, according to KABC. None of the injuries appeared to be life-threatening in the explosion that took place as passengers were unloading.Local officials said 20 Mexicans, three Canadians and two Americans were all reportedly in good condition.The municipal government said victims sustained minor cuts and were treated at a local hospital. The explosion left a hole in the vessel’s starboard side beside a passenger seating area.The cause of the explosion is unknown at this time. 611

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