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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

Before your food makes it to your table, or even to the grocery store, it starts here in farms across America. It's planted, grown, and picked by farmworkers."We would typically work from 5 [a.m.] to anywhere like 10, 10:30 at night, Monday through Sunday," said former farm worker Monse Gonzalez.Gonzalez grew up near the farm where she worked in northern Colorado. But, many of her former co-workers are migrant workers from Mexico on H-2A visas for the growing season, usually April through October."I don’t think they really realize how important they are to everybody else," said Gonzalez.Which is why it’s vital they stay healthy.Deb Salazar runs a mobile health unit through Salud Health Systems. Three days a week, the unit travels to different farms in the north Denver area."Without us, a lot of these folks wouldn’t have the opportunities to see anybody who’s medical. And also, because we go to them, they don’t have to miss work," said Salazar.The mobile unit provides a place for the migrant workers to get screened for diabetes, high or low blood pressure, get lab work done, and even see a medical provider for free through a federal grant."If one of their workers gets sick, it’s going to spread super quick, because they work in such close contact. And if they’re out, we’re not going to have any food," said Gonzalez."I don’t think most people realize that agriculture is the backbone of this country," said Salazar. "If we didn’t have a program to take care of the workers, then agriculture would fall, and the country would fall as well."The workers labor from sun up to sundown, making sure our food gets from the ground to the grocery store."I feel like to them, it’s the job that puts food on their family’s table," said Gonzalez.And, the tables of families all across America. 1809

BALTIMORE, Md. -- On Thursday, Maryland will become the first state in the country to ban foam containers for all schools and restaurants in the state.Some counties throughout the Baltimore area have already made the move to ban Styrofoam. Baltimore County is not one of them, but some restaurants have already taken the initiative to go green.More eco-friendly to-go options at restaurants tend to be a little more expensive, but Styrofoam can't be recycled and doesn't break down, so it's considered an environmental issue.There is already a foam ban in Baltimore City, as well as Montgomery, Prince George's and Anne Arundel counties.In addition to the foam ban on Thursday, Howard County is charging five cents for plastic bags in another effort to be sustainable.It's a lot less than the 0 fine that restaurants could face for violating the foam ban.The foam ban was originally planned for July, but because of the pandemic, state officials pushed it back to October to give restaurants a little more time to adapt.This story was originally published by Erin MacPherson at WMAR. 1094

BOULDER COUNTY, Colo. — A large area of Boulder County, including the towns of Jamestown and Ward, are under a mandatory evacuation order after two new wildfires sparked over the weekend.The 8,788-acre Calwood Fire started Saturday and is burning near the Cal-Wood Education Center in the Jamestown area. Officials Sunday night confirmed that 26 homes were lost to the fire, so far, mostly on the eastern side of the fire along Mountain Ridge Drive and Foothills Ranch Drive. No injuries were reported.The Calwood Fire was about 15% contained as of Sunday night. The most concerning area of the fire was the northern ridge of the fire area, due to the steep, rocky terrain and dry fuels, officials said.On Sunday, a new wildfire, dubbed the Lefthand Canyon Fire, started in the 14000 block of Lefthand Canyon Drive near the town of Ward. It has charred 312 acres as of Sunday night. Crews were still battling the fire Sunday but had contained the blaze north of Lefthand Canyon Drive.Smoke from both fires can be seen throughout most of Boulder and the surrounding area.The Boulder County fires prompted authorities to send out pre-evacuation notices to thousands of residents nearby, including people in the town of Lyons. In the Calwood Fire, there are 1,600 homes and 2,600 structures total in the evacuation area, and around 3,000 people impacted.Several roads are closed, including County Road 87, and officials evacuated Hall Ranch and Heil Valley trails.The map below shows the areas under an evacuation or pre-evacuation order:There is an evacuation check-in point for the Calwood Fire set up at 3460 N. Broadway where evacuees and pets can go to check-in and receive further information.The evacuation point for the Lefthand Canyon Fire is the Nederland Community Center, 750 Peak to Peak Hwy.Boulder County Sheriff Division Chief Mark Wagner said the number of homes lost or damaged in the fire is likely "very large."Wagner said a massive air attack Saturday helped contain the Calwood Fire. However, unfavorable weather conditions Sunday grounded aircraft. At least 250 firefighters are on the ground fighting the blaze.The Calwood Fire has become Boulder County's largest wildfire on record.County and Forest Service investigators are investigating the cause of the Calwood Fire. Wagner said there was no lightning strike data in the area which could rule out a natural cause for the fire.This story was originally published by Robert Garrison on KMGH in Denver. 2483

Both Twitter and Square are making #Juneteenth (June 19th) a company holiday in the US, forevermore. A day for celebration, education, and connection.https://t.co/xmR3fWMiRs— jack (@jack) June 9, 2020 208