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BETHEL, Ohio — Love is in the air at a small local farm that focuses on selling quail eggs and other tasty farm creations like their bourbon-based caramel.Woodbottom Quail Farms even has a saying: "Loving the Farm and Farming the Love.""Maybe be able to give someone something they might not have been able to have as nice otherwise," said farm co-owner Tom Segrist.Segrist is an Army veteran, having served as a Scout from 1986 to 1990.He and his wife, who goes by "M," both decided early in 2020 to offer up something special."I posted on Facebook, and then it was just announced that we're doing the weddings, you know, it's all-inclusive, everything's free," M Segrist said.She said the response was incredible, with well over 100 couples writing their love story and submitting their application. The main qualifying point to receive the free, all-inclusive wedding inside their quaint farm barn: one person in the couple must be a military veteran."We collected new and gently used wedding dresses," M Segrist said. "There's a consignment shop offering bridesmaids dresses. There's full salon, mani-pedi, facials, seamstress, floral photography for engagement and the ceremony. There's tons of gifts."Those gifts have come from veteran-based businesses across the United States who wanted to make the six couples' big days even more special. Some wedding gifts came from as far away as Alaska and Hawaii.M Segrist said it was a challenge to whittle the stack of applicants down, but they chose each of the couples for specific reasons. She explains the reason for one of their choices."Jessica and David. They both have been married, they have kids, and then they come together later in life. And they're a very happy couple. It's like you can just look at them and see the love between them," she said.David Neiheisel was an Army Combat Engineer and surprised his girlfriend, Jessica Rieck, with the engagement ring last Thanksgiving. He had his daughter do the honor."I had my youngest, Sadie, actually hand her the ring," Neiheisel said. "She said, 'Here, Daddy got you something.'"Rieck said it was the last thing she expected."Well, my initial reaction was, I said, 'You put that back and go, go over there. I am not looking at that,'" Rieck said. "I looked at him, I said, 'I have to sit down for a minute.'"She eventually realized the next step for their blended families meant walking down the aisle again.After M posted about the free weddings for veterans, Jessica and David had several people give them a heads-up about the contest. After a couple of days they compiled their story and submitted it. Once they were contacted and told they were chosen as one of the couples, Jessica didn't believe it."We are those people that you never win anything, you never get picked," Rieck said. "And when we got notified — oh, this is real."M Segrist plans to officiate a number of the ceremonies herself.For Tom Segrist, it's a chance to help share what they have with others."Even if I'm not a part of their memory, they have the memory. I made it possible for or played a part in making it possible for them to have a memory," Segrist said.This story was originally published by Craig McKee on WCPO in Cincinnati. 3231

Bears’ legend and Hall-of-Fame running back Gale Sayers died Wednesday, the Hall of Fame confirmed. He was 77. pic.twitter.com/hfKAptZPyx— Adam Schefter (@AdamSchefter) September 23, 2020 195

BARRIO LOGAN, Calif. (KGTV) -- Business owners in Barrio Logan are unhappy with the San Diego City Council's decision to fund the three temporary homeless tents opening on December 1st. The council voted 8-1 on Tuesday in favor of the funding. Council-member Alvarez was the only one to vote no, saying the city missed a chance to really solve the problem. The owners of Ryan Bros Coffee say their shop already deals with homeless on a regular basis. Their shop is less than half a mile away from one of the tents schedule to go up on 16th and Newton. Co-owner Tom Ryan says they’ve had people overdose in the bathroom or collapse, sick on the ground inside the store. Ryan’s staff is getting ready to see the number of homeless go up during the winter. The other two tents are in the Midway District and the East Village.  856

Banking since COVID-19 has taken on a different form. From wearing a mask to not being able to talk with a teller, several changes have been implemented in recent months.At Michigan Legacy Credit Union, a cashless transaction requiring the help of a teller can now be handled from home, from the mall, or by the lake. They launched the virtual teller app in early July."As long as you don't need a cash transaction, you can open up a membership, you can apply for a loan or a mortgage," Teller Michael Castano said. "There's so many different member service opportunities you can have just from the comfort of your home.""Only 7 percent of our transactions are done by members in our lobby with a teller. Everything else is electronic format," CEO Carma Peters added.Peters said declining transactions in brick-and-mortar branches has fueled the credit unions to push to mobile banking, and since COVID-19, there's been a massive increase in mobile banking."We let members call us, text us, chat us, use our mobile website. Our mobile logins went up in the month of April by 50,000," Peters said.She said the plan was to equip branches with virtual tellers before launching the app. That comes next.Banking in-person has also taken on a different look. Wearing a mask during a visit prior to COVID-19 might raise suspicion. Now, it's encouraged at all credit unions.For banks that remain open, the American Banking Association has also called on all banks to adopt a face mask policy.This story was first reported by WXYZ in Detroit, Michigan. 1551

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

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