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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

OXON HILL, Md. -- For sisters Nikki Howard and Jaqi Wright, life comes down to a handful of ingredients.”Love, peace and cheesecake,” Wright said.It’s cheesecake that started them off on a new journey, while the two were furloughed during the federal government shutdown two years ago.“We went through the holidays just praying that it would let up,” Wright said. “And it didn't.”“So, for New Year's Eve service, I made sweet potato cheesecakes,” Howard said.Wright continued, “She gave them to me put it in the fridge. I had no idea, until I asked, ‘Who made those?’ And she said, ‘me.’”Howard said her mother and Wright began eating some of it, before her mom declared, “she said, ‘it's so good you can sell it,’ and light bulbs went off.”That is how their small business, called “The Furlough Cheesecake,” came to be. At first, they started by simply selling them online, but it quickly snowballed from there, right into area Walmart stores.“I had no idea that that one cheesecake would change everything,” Wright said.Now, they’re going a step further. At National Harbor near Washington, D.C. they just opened their first physical storefront.“So, we started our business during a furlough and we opened a store during a pandemic,” Wright said. “It makes us sound crazy, honestly, but it just happened this way.”They are fortunate. The pandemic is hitting many small businesses hard and Black-owned businesses especially so. According to data from the U.S. Census, compiled by economists at the University of California - Santa Cruz, between February and April, the number of African-American owned businesses dropped by 41%. Economists now estimate half of all African-American owned businesses may never reopen from their COVID-19 closures.At The Furlough Cheesecake, they know timing is everything.“We just took a leap of faith,” Wright said.Faith that has guided them through two – separate – tough economic times.“There's so many people out there struggling and suffering,” Howard said, “and being a minority-owned business, you know, we feel a responsibility to shed a good light on our community.”It’s all just one part of their unusual recipe for success. 2175

PHILADELPHIA, Pa. – From China to Egypt and beyond, the halls of history span the globe.Yet, it’s been lonesome lately in those halls at some of the 35,000 museums across the country.“We, of course, wanted to reopen as soon as we could and safe a manner as we could,” said Melissa Smith, CEO of the Penn Museum in Philadelphia.It’s one of the few major museums to recently reopen to visitors, after coronavirus restrictions forced them to close their doors for months.“For the most part, it's business as usual with our exhibits,” Smith said.First, though, a task force of 35 museum employees needed to figure out what changes might be needed.“We had to look at a number of things,” Smith said.Among the changes: masks are a must, hand sanitizing stations are now located throughout the museum, clear partitions were installed to protect staff who interact with visitors and benches were marked off, so people can sit socially-distanced.Also, arrows now line the stairs and floors, carefully choreographing how visitors move through the exhibits.“They asked us to follow the arrows and it kind of was a different museum experience, but also I think very helpful, just because there wasn't any confusion,” said museum visitor Soheil Eshghi.There are a few other changes, too: some of the exhibits around the museum have touchscreens, so visitors can dig a little deeper into what’s on display and learn more. The museum is now giving out a disposable stylus to visitors, so they can safely use the touchscreens.Visitors said they don’t mind the changes and are just happy for the chance to come back.“I think that’s one of the things that I've been missing the most since all this shutdown started happening,” said Camille Lawhead, who was visiting the museum.Now, visitors no longer need to be missing it. 1813

Parents everywhere are looking for hot holiday toys — especially online. Unfortunately, so are computerized "Grinch Bots", which buy up huge amounts of the popular toys so they can be resold by scalpers at 3rd party websites with greatly marked-up prices."Grinch Bots" are able to search websites and grab the toys faster than consumers.It is such a concern that U.S. Senator Charles Schumer (D-NY) is pushing Congress to pass the "Stopping Grinch Bots Act of 2018."The proposed legislation would give the FTC authority to track and prosecute scalpers who use "Grinch Bots."Schumer's office found that, last year, "Grinch Bots" contributed to "sold out" status online for several popular toys which then showed up on sites like Ebay with inflated prices: 787

PASCO COUNTY, Fla. — A nursing assistant in Pasco County, Florida was arrested after allegedly molesting a disabled female who she was tasked with caring for.Christina Nappo is charged with lewd and lascivious molestation of an elderly person.She was caring for an elderly and disabled woman described as having serious brain trauma and the mentality of a 10-year-old.She is accused of committing inappropriate acts with a shower head. Deputies say that being a CNA, Nappo reasonably knew the victim either lacked the ability to give consent or failed to give consent.She is also accused of teaching another CNA how to do the same thing.Nappo was arrested without incident and taken to Land O' Lakes detention facility. 742

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