濮阳东方咨询电话濮阳东方医院男科治疗阳痿口碑很好价格低,濮阳东方医院男科治阳痿价格收费合理,濮阳东方医院男科看阳痿收费偏低,濮阳东方医院收费很低,濮阳东方妇科医院做人流口碑很好价格低,濮阳东方医院男科治疗早泄价格低,濮阳东方男科收费低吗

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

Bill Cosby's retrial begins in Pennsylvania on Monday -- the first time the comedian's case returns to court since the #MeToo movement began six months ago.A topless protester charged Cosby yelling "women's live matters," according to video taken at the scene. The demonstrator was taken down by police and taken into custody before she could reach Cosby, according to the Huffington Post.  Cosby, 80, faces three counts of aggravated indecent assault. He has pleaded not guilty to the charges. 517

BEAVERCREEK, Ore. — Warnings of strong winds that could fan the wildfires on the West Coast have added urgency to firefighters' efforts.The alerts stretch from hard-hit southern Oregon to Northern California and last through Monday evening.Authorities say nearly all the dozens of people reported missing after a devastating blaze in southern Oregon have been accounted for, but the fires have killed 35 people from California to Washington state.Across California, Oregon and Washington nearly 100 wildfires have burned 4.5 million acres of forest. The flames have turned homes into rubble, forced tens of thousands to flee and shrouded the region with smoke so thick that air quality was some of the worst in the world.Many residents were forced to flee their homes on a moment's notice."It gives you a feeling of helplessness, and you don't know who to turn to, and where to go and what to take from the home," Allen Dadour, a California resident, told CNN.President Donald Trump is expected to receive a briefing on the ongoing crisis while in the Sacramento area on Monday. Democratic presidential nominee Joe Biden will deliver remarks regarding the fires and his campaign's environmental policy from his home state of Delaware this afternoon. 1257

BREAKING NEWS: @RPMotorsports confirms @BubbaWallace will not return to the No. 43 car in 2021. pic.twitter.com/by6SvOzPXg— NASCAR (@NASCAR) September 10, 2020 167

BOSTON (AP) — Actress Lori Loughlin and her fashion designer husband, Mossimo Giannulli, will be able to continue using a law firm that recently represented the University of Southern California, which is an alleged victim in the sweeping college admissions bribery case, a federal judge allowed Tuesday.But Magistrate Judge M. Page Kelley declined to rule on a different potential conflict of interest in the couple's legal representation and said she would decide later, calling it more serious.Giannulli, who created the Mossimo clothing brand, and Loughlin, who starred on TV's "Full House," mostly sat quietly through the brief proceedings in Boston federal court.They spoke up only to answer a series of short answer questions from the judge, acknowledging they each understood the legal risk of retaining the firms and the risks of being represented by the same firm. Neither commented after the hearing.The couple are accused of paying 0,000 to have their two daughters labeled as recruits to the USC crew team, even though neither participated in the sport. They have pleaded not guilty to charges of conspiracy to commit fraud and money laundering.Lawyers for the Los Angeles-based Latham & Watkins law firm, which Loughlin and Giannulli have retained for representation, said Tuesday that it represented USC in an unrelated real estate case that had been handled by different lawyers.Prosecutors had argued that retaining the firm could pose a serious conflict, especially if the firm's lawyers questioned USC officials at trial or gathered information from the university during the case's discovery phase.But in court Tuesday, Assistant U.S. Attorney Eric Rosen acknowledged that USC, as of this month, was no longer a client.Instead, he argued, there is a potentially greater conflict with Giannulli's additional counsel from the firm Donnelly, Conroy & Gelhaar.The firm represents Davina Isackson, who, along with her husband, California real estate developer Bruce Isackson, has pleaded guilty to paying 0,000 in shares of stock to get their daughters into USC and the University of California Los Angeles.They are one of the few parents cooperating with prosecutors."I don't really see how it could work," Rosen said.George Vien, an attorney for the firm, said it is prepared to take steps to prevent conflicts of interest, such as not cross-examining Isackson in the unlikely event she is asked to testify in Giannulli's case.Judge Kelley said she would decide later on that potential conflict, a type that is "typically considered to be the most serious.""This is the situation where judges most often remove lawyers from cases, if they are representing someone who is cooperating against another person," Kelley told Giannulli.At least four other parents have also hired law firms that work for USC, and at least two have chosen lawyers that have done work for Georgetown University, another alleged victim.So far, such arrangements have generally been allowed as long as parents are aware of the potential conflicts.Tuesday's hearing was just the second court appearance for Loughlin and Giannulli following an initial briefing April 3. They join 17 other parents fighting federal charges in the bribery case.Fifteen others have already agreed to plead guilty, including "Desperate Housewives" star Felicity Huffman.A total of 51 people have been charged in the case, which prosecutors say is the biggest admissions scandal ever prosecuted in the U.S. It involves prestigious schools across the country and has also embroiled prominent college coaches.Many of the parents are accused of paying an admissions consultant to bribe coaches in exchange for helping their children get into schools as fake athletic recruits.Some others paid the consultant to bribe exam administrators to allow someone else to take tests for their children, authorities say. 3894