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Bob Woodward had my quotes for many months. If he thought they were so bad or dangerous, why didn’t he immediately report them in an effort to save lives? Didn’t he have an obligation to do so? No, because he knew they were good and proper answers. Calm, no panic!— Donald J. Trump (@realDonaldTrump) September 10, 2020 327

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

Born in Arizona but transplanted to the coastal city of San Diego, is Goose. "It was brought to the school bus sales lot so we literally picked it up on it's last day of school." It's a school bus turned tiny home in the making and behind it, is local Navy couple, Sydney and Fabrice Gutierrez."People are taking retired school buses and converting them into tiny homes versus standard RV's. It's customized and you could build it into everything you want or need it for," said the couple. A school bus on wheels, they said, was a better bet than the average home on wheels, "They're a lot safer than regular RVs if you think about it. Their whole purpose was carrying kids back and forth year after year, so it's a lot safer," said Sydney.The duo planned to spend more time working on their tiny home, but COVID-19 gave them a detour, "A lot of things we had lined up that we thought were going to help us fell through, and weren't possible."There were on a waiting list to store the bus somewhere to work on it but not as many RV's were leaving their spaces, forcing the couple to work faster and downsize from their Little Italy apartment to their tiny home, sooner."There are stories of people who have gone from 2 to 3 thousand square foot homes to 200 square feet." Not only will it be smaller, but much cheaper than your average home in San Diego. They said the project, running them under ,000, is friendly for their pockets and the environment. "It's really resourceful to use old cars that would probably sit on a lot and rot forever."The couple said the tiny home "bussie" community is getting more popular with so many people able to work from practically anywhere. 1688

BOSTON (AP) — Prosecutors dropped a case Wednesday accusing Kevin Spacey of groping a young man at a resort island bar in 2016, more than a week after the accuser refused to testify about a missing cellphone the defense says contains information that supports the actor's claims of innocence.Spacey was charged with indecent assault and battery last year in the only criminal case that has been brought against the actor since his career collapsed amid a slew of sexual misconduct allegations. The two-time Oscar winner was among the earliest and biggest names to be ensnared in the #MeToo movement against sexual assault and harassment that swept across the entertainment and other industries.Spacey denies groping the man, whose mother first went public with the allegations in 2017.A phone message seeking comment was left with Spacey's lawyer.The actor's accuser was ordered to take the stand earlier this month after he said he lost the cellphone he used the night of the alleged groping. The defense said it needed the phone to recover deleted text messages it says would help Spacey's case.The man denied deleting messages or manipulating screenshots of conversations he provided to investigators. But when he was pressed by the defense about whether he knew that altering evidence is a crime, he invoked his Fifth Amendment right against self-incrimination, and the judge said his testimony would be stricken from the record.The judge then questioned how prosecutors would be able to bring Spacey to trial if the accuser continued to refuse to testify, and prosecutors told the judge they needed time to decide how to proceed.On Wednesday, Cape and Island District Attorney Michael O'Keefe said in court documents that they were dropping the charge "due to an unavailability of the complaining witness."The hearing at which the accuser testified came days after the man abruptly dropped a lawsuit he had just recently filed against the actor that sought damages for "severe and permanent mental distress and emotional injuries." The suit was dismissed "with prejudice," meaning it cannot be refiled.The man did not receive a settlement to drop the civil case, his mother said. His lawyer said he dropped it because he was emotionally overwhelmed and wanted only "one roller coaster ride at a time" and so chose to focus on the criminal case.The man's mother, former Boston TV anchor Heather Unruh, alleged in 2017 that Spacey got her son drunk and sexually assaulted him at the Club Car, a bar on Nantucket where the teen worked as a busboy.The man told police he went over to talk to Spacey after his shift because he wanted to get a picture with the former "House of Cards" star. He said Spacey bought him several drinks and tried to persuade him to come home with him before unzipping the man's pants and groping him for about three minutes.Unruh's son told police he tried to move Spacey's hands, but the groping continued, and he didn't know what to do because he didn't want to get in trouble for drinking because he was underage. The man said he fled when Spacey went to the bathroom.Shortly after Spacey was charged, he posted a video on YouTube in the voice of his "House of Cards" character who was killed off after the sexual misconduct allegations emerged, saying "I'm certainly not going to pay the price for the thing I didn't do."Spacey has faced several other accusations.His first accuser, actor Anthony Rapp, said Spacey climbed on top of him on a bed when Rapp was 14 and Spacey 26. Spacey said he did not remember such an encounter but apologized if the allegations were true.The Associated Press does not typically name people who say they are the victims of sexual assault unless they identify themselves publicly. Rapp has; Unruh's son has not. 3783

BUFFALO, N.Y. — Newly-released body camera footage shows a New York Supreme Court justice admitting to shoving a police officer, repeatedly stating that he has family ties to the Buffalo police force and even invoking a friendship with Mayor Byron W. Brown as he sought lenient treatment for himself and his wife during an incident in June.The footage was released after Scripps station WKBW in Buffalo reported in June that State Supreme Court Justice Mark J. Grisanti was under police investigation over a street brawl between the justice, his wife and their North Buffalo neighbors. Grisanti and his wife were both handcuffed and placed in the back of police cars, but officials announced in July that they would not be facing charges.In the body camera footage, Grisanti repeatedly states that his daughter and son-in-law are police officers, as does his wife, Maria Grisanti.“Ma'am, if you don't stop yelling, this is gonna be a problem for you,” a Buffalo police officer told Grisanti's wife, Maria, as she was yelling at her neighbors across the street.“I don’t care,” Maria Grisanti yelled back.The officer then crossed the street and attempted to put Maria Grisanti in handcuffs. That's when her husband began shouting at the officer. Video shows Grisanti approach the office him from behind and shove him.“You better get off my f---ing wife,” Mark Grisanti yelled after being told to "keep his hands off cops." “My daughter and my son are both Buffalo police officers...I’ll call them right now.”Buffalo Police spokesman Capt. Jeff Rinaldo said Grisanti was not charged because he "didn’t tackle anyone. He didn’t punch him. He gave him, like, a shoulder shove."Rinaldo said it was the officers' decision not to charge Grisanti for the push to the officer. "The DA did not offer an opinion on that," Rinaldo said. "That was their [the officers'] discretion not to charge him for the push."At another point in the video, Grisanti can be seen shirtless, yelling at officers to remove the handcuffs from his wife, who is in the back of a patrol car.“If you don’t get the cuffs off her right now, you’re gonna have a problem,” Grisanti yelled.WARNING: This video has not been censored and contains adult language. Viewer discretion is advised.“Don’t threaten that,” the officer says to him, before Mark When the officer warns Grisanti about threaten police, the judge told the officer that he is calling the lieutenant who supervises his daughter, Ashley Amoia, and son-in-law David Cole.Grisanti then dropped the name of Deputy Police Commissioner Joseph Gramaglia.“Gramaglia’s...my cousin,” he said.Rinaldo, the police spokesman, said Gramaglia denied that he is related to Grisanti. Moving up the chain of command, the former state senator then invoked the name of Buffalo’s mayor.“Listen, I’m good friends with Byron Brown,” Grisanti said.“It has been, and remains, my policy as Mayor not to interfere in any police investigation," Buffalo Mayor Byron W. Brown said through a spokesperson. "I have not spoken to the Buffalo Police Department, District Attorney Flynn, or Judge Grisanti regarding this matter. I believe that the District Attorney’s office is in the best position to determine the appropriate course of action."Later, the video shows that Officer Richard Hy lost patience with the shirtless State Supreme Court justice; he got in Grisanti’s face and waved his finger“You wanna drop another copper's name? You want to scream about [how] you know Gramaglia or the mayor? Why don't you shut the f--- up,” Hy said. “You want to say I know all these coppers, I know all these things? You want to make us look dirty.? Is that what you want to do?”Hy handcuffed Grisanti and placed him in the back of a police car. Later, Grisanti talked directly with Detective Mark Costantino, who he appears to know on a first-name basis.Law360 reported that Costantino is Grisanti’s first cousin, but Rinaldo did not respond to a question about whether that was the case.“They're saying you pushed an officer,” Costantino said to Grisanti. “You wouldn't do that, would ya?”WARNING: This video has not been censored and contains adult language. Viewer discretion is advised.“I pushed him and I said, ‘Don't friggin tackle her’ and I pushed him,” Grisanti said. “I apologized to him, Mark, right after that because I said, 'Listen, I respect you guys in law enforcement,’ you know I go, 'My daughter's a police officer, my son in law's a police officer, all my family's police officers.’”Costantino then reminded Grisanti that his status as a State Supreme Court judge could be in jeopardy if the incident becomes public.“I mean, I just...the thing that freaks me out is that everything you do is gonna be scrutinized because of your job,” Costantino said.“Well Mark, I never mentioned anything about my job or who I was, you could ask any officer, I never mentioned anything like that,” Grisanti said.“If you get arrested, you know that's gonna be on [the news],” Costantino said.Rinaldo acknowledged that Costantino is indeed Grisanti's cousin. "It appears the detective reached out to the lieutenant on scene and she allowed him to speak with Mr. Grisanti," Rinaldo said when asked why Grisanti was allowed to have a private discussion with the detective.Though Grisanti will face no criminal charges in Erie County, Gina Mele — the neighbor who was involved in the fight with the Grisantis — said she has been contacted by investigators from the New York State Committee on Judicial Conduct, which has the power to sanction or remove judges.“Certainly he's not happy about it,” said attorney Leonard D. Zaccagnino, who is representing Grisanti. “Certainly he wishes the incident never occurred.”Zaccagnino said Grisanti was trying to defend his wife, and he feels his actions are being taken out of context.“And he got angry, and he raised his voice, he put his hand up, and he did make contact with the officer,” Zaccagnino said. “He feels bad about it, OK? He feels bad about the whole incident.”This is not the first time an altercation involving Grisanti and his wife has spilled out into public view.Grisanti was injured in a 2012 scuffle at the Seneca Niagara Casino in Niagara Falls in which he said he and his wife were attacked and beaten during a confrontation with members of the Seneca Nation of Indians. He was a state senator at the time.Grisanti, a Republican, lost his senate seat in 2014 but was appointed to a Court of Claims judgeship by Gov. Andrew Cuomo in 2015. While a senator, Grisanti provided Cuomo with a key ‘yes’ vote on Cuomo’s marriage equality legislation, and the governor wrote about Grisanti’s role in his recent biography.The judicial post came with a salary of 4,000.This story was originally published by Charlie Specht on WKBW in Buffalo. 6796

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