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BOCA RATON, Fla. - Three sisters in Boca Raton do not remember much about their mom, but as Mother’s Day approaches, they are reminded those are the only memories of her they will ever have. “One memory about my mom is that she would always take me places and let me play with my things,” said 9-year-old Brady Gemstone.“I remember mommy’s pointy nose, and that she dyed her hair,” 5-year-old Blain Gemstone said.“She was very understanding and nice,” said 11-year-old Bryce Gemstone, “and she was always there.”But one day, Gemma Burlakoff wasn’t there anymore for her three girls. That memory stings the most.“I’m happy because I still have someone to do [Mother’s Day] with, but I’m sad because I don’t have my real mom to do it with,” the youngest, Blain said, clutching a doll as she spoke.“Sometimes if I think about my mom, I think about my dad, and it makes me think about what happened,” said Brady, who remembers the most about the night her mother was killed, The Gemstone sister did not just lose their mother. They lost their father too.One fight, five years agoOn the outside, Gemma and Ian Burlakoff looked like the picture-perfect Boca Raton couple: a successful business, a large home, society and community involvement, designer outfits and cars, and their three beautiful daughters enjoyed an education at an expensive private school.  1372

BORREGO SPRINGS, Calif. (KGTV) - Authorities are investigating reports of a down airplane in Borrego Springs Thursday.San Diego Sheriff's Department deputies received reports of the downed ultralight plane around 10:30 a.m. on airfield property. It wasn't clear if the plane was down on the airfield runway.The pilot of the aircraft received minor injuries, according to SDSO. 389

BONITA, Calif. (KGTV) — Local officials will break ground on the county's first "bike skills" park at Sweetwater Summit Regional Park Thursday.Officials said the park will feature a bike jump track with four lines for beginners to experts, a kids' pump track, and a skills zone for riders to test themselves."There's a very strong biking community and it really fits right in with what we're trying to do at the County of San Diego to encourage people to live well and thrive," County Supervisor Greg Cox said. RELATED:New park includes San Diego's first public parkour space, bike pump trackSan Diego kids take part in National Bike to School DayThe .9 million, 4.2 acre park is set to open in Bonita later this year for riders of all ages. 752

BALTIMORE (KGTV) - A former television producer for “The Jerry Springer Show” was arrested in Maryland Thursday for the death of her sister in Los Angeles.Baltimore Police took Jill Blackstone into custody on suspicion of murder and animal cruelty at Johns Hopkins Hospital. Police did not reveal if Blackstone was a patient.According to Los Angeles Police, Blackstone put her sister Wendy, 49, and two dogs in a garage in Los Angeles and set the building on fire in March 2015. LAPD investigators said Blackstone wanted to make Wendy’s death look like an accident.Blackstone was motivated by the emotional and financial hardship of taking care of her sister, who was deaf and partially blind, investigators said.Baltimore Police said Blackstone will be sent back to Los Angeles to face charges.Blackstone worked as a producer on programs including “Family Court with Judge Penny”, the Daily News reported.The Associated Press contributed to this report. 962

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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