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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

BROOKSVILLE, Fla. -- A Brooksville, Florida elementary school gave all of its teachers pink slips on Friday, the school district said it's an effort to make the school better."It should’ve came from the school. Not have to hear the news through Facebook," said father Andrew Beck. Facebook is how he found out that all the teachers at his children’s school were given pink slips. The school, Moton Elementary, which is a "Double D" school and the lowest performing school in Hernando County.During a faculty meeting on Friday teachers were notified they would be done working at Moton after the school year. Tenured teachers are to be reassigned.The district says they made the announcement before the end of the school year to give non-tenured teachers time to look for other jobs.  "To see what many of them are going through right now, its heartbreaking," said Megan Oates, a former Moton teacher. Megan Oates and Bridie Jones both taught at Moton for more than 10 years before quitting last year."I no longer felt like I had the support that I needed to do my job," said Jones. Bridie Jones owns Lake Lindsey Mall and Deli where both teachers now work.They say they’re much happier without the stress and pressure they faced from the constant critiquing of teaching at Moton."It was a lot of stress. Every day you had a different administrator walk into your room. They were looking for a reason that Moton was a "D" school and they came in and picked us apart every single day," said Jones.But they say it isn’t the teacher’s fault. Jones says Moton needed help and more staff but the school district didn’t listen."As a teacher you're told, you don’t punish the whole class if something’s not working because it’s not fair to the ones who weren’t a part of that," said Oates.    The school district sent a letter home to parents on Monday explaining that the decision was made because the school was facing closure or state takeover. The letter states in short:“With a fresh cadre of teachers coming on board, Moton is positioned to return to a high performing school.”As for parents, they say they're concerned about the decision and just want what is best for their kids."I think it's bad for their education. I think they deserve better," said Beck.   2328

Boeing has unveiled its newest line of business jets, which the company says will allow VIP travelers to fly nonstop between "any two cities on Earth."The BBJ 777X planes will have a range of 11,645 nautical miles (21,570 km), enabling them to offer the longest commercial flight in the world.Depending on which routes the jets are used on, the new models mean Boeing could wrestle the crown for farthest nonstop travel away from Airbus.Earlier this year, Singapore Airlines resumed its 17-hour flights between London and Singapore on Airbus A350-900 ULR (Ultra-Long Range) jets.But the distance traveled on the record-breaking flights is a mere 9,000 nautical miles (16,700 kilometers), putting it below the range Boeing's new jets are capable of.The planes "can fly more than halfway around the world without stopping, farther than any business jet ever built," the company said in a statement."Our most exclusive customers want to travel with the best space and comfort and fly directly to their destination. The new BBJ 777X will be able to do this like no other airplane before it, redefining ultra-long range VIP travel," Greg Laxton, head of Boeing Business Jets, added at the Middle East Business Aviation Association Show (MEBAA).The jets could be used to connect New York City with Perth in Western Australia, a journey which currently requires a connection and takes more than a day to make.Two versions of the jets have been made, the BBJ 777-8 and 777-9, with the latter offering a slightly shorter range of 11,000 nautical miles (20,370 kilometers) but boasting a larger cabin.The company has released renderings of the plane's interior, although it has not sold any of the planes yet.Other business jets produced by Boeing include the BBJ MAX and high-performance versions of its 787 Dreamliner.Since forming in 1996, Boeing Business Jets has delivered 234 jets on 261 orders. 1909

BARNEGAT LIGHTHOUSE STATE PARK, N.J. — A dead whale is sitting on a New Jersey state park beach after a Christmas storm blew through the northeast.The humpback whale is near Barnegat Lighthouse State Park in Ocean County. It is unclear at this time how the roughly 20-foot-long whale died, according to the Marine Mammal Stranding Center, a marine animal focused organization that responded to the whale Saturday. They said it could have been hit by a boat or something else during the storm, or died from contracting a disease. In addition to coming ashore on a holiday weekend, when few state employees are working, the below-freezing temperatures are also delaying the whale’s removal.“The whale’s too frozen,” Bob Schoelkopf, the director of the Marine Mammal Stranding Center said. “We can’t even cut into the blubber, it’s too thick and frozen.”Schoelkopf believes the dead whale was washed ashore on Christmas Eve, then taken back out to sea on Christmas as a large storm came through, and then came back ashore Saturday.Anyone visiting the area should stay clear, Schoelkopf said, because of the possibility for diseases to be in the carcass.Whale watching boats had spotted the whale alive earlier this year in Sandy Hook bay, where it had been photographed feeding, Schoelkopf said.In September, a different humpback whale was found dead off the Jersey Shore after being entangled. Another dead humpback whale was found floating off Cape May in November.The National Oceanic and Atmospheric Administration declared an “unusual mortality event” for humpback whales in 2017, after high numbers of whales were found dead from Maine to North Carolina. NOAA said the issue began in 2016 and continues to persist; the cause is still under investigation. 1765

Black people from all walks of life are sharing their experiences of racism, why they’re hopeful about the current movement and how we can heal as a country.Evangelical leader Tony Evans is one of the most respected Christian pastors in the country. He shared his thoughts on how the church played a role in racism and how it can lead in the solution.“As a boy growing up in Baltimore, Maryland, I had to deal with my father explaining to me why we couldn’t go into certain restaurants due to segregation,” said Evans.As a 70-year-old black man, Evans says he has experienced his fair share of racism and discrimination.“I’ve gotten pulled over by police because I was in the wrong neighborhood,” he said. “’Why are you driving in this neighborhood?’ In college I went to a white church and the church told me that I was not welcome there.”Segregation nearly kept Evans from becoming the first African American to earn a Doctor of Theology from Dallas Theological Seminary. “If I would have applied a few years earlier, they would not have let me in, because that was part of a whole history of segregation, that was even in the theological religious realm,” he said.Early in his preaching, Evans says radio stations told him a black speaker might offend too many white listeners.“Circumstance after circumstance like that where I have in my sphere, both secular and sacred, where I have seen unrighteous decisions made on the basis of race and it contradicted the theology I was learning,” he said.Evans says the church was also a major contributor to racism today.“If it had never endorsed the unrighteous system of slavery in America, if it never gave theological validation for it, if it never supported the social construct of it, then we would not have it, because it would have trained its people to infiltrate the culture with a righteous and just world view,” he said.Evans, who wrote a book on race called “Oneness Embraced,” says churches need to lead in the solution through service.“Black Christians and white Christians crossing racial lines to serve other people in need,” said Evans. “When we decide we are going to cross the line to adopt public schools, to adopt the local police precinct, to adopt the central services in the community, to handle the homelessness in the community. We could turn this thing around in a very short period of time because they would see us leading the way, not merely reacting to what people are doing at either extreme in the culture.”Evans laid out a more detailed national three-point plan for how churches can respond to racism.“This is where God must be brought into play. And I must say, if he is left out, there will be no solution because he's the one who is ticked off about it.” 2746