濮阳东方医院治早泄价格标准濮阳东方几路车,濮阳东方医院男科治疗阳痿技术值得放心,濮阳东方医院男科治疗早泄收费非常低,濮阳东方医院妇科咨询电话,濮阳东方医院妇科做人流手术技术,濮阳东方医院治早泄可靠,濮阳东方男科医院附近站牌

BROWARD COUNTY, Fla. - Two brothers who share the same last name, now share a rap sheet in Broward County for crimes committed on the same high school campus.FULL COVERAGE: Parkland school shootingZachary Cruz, 18, who currently lives in Palm Beach County, was arrested by deputies on Monday for trespassing on Marjory Stoneman Douglas High School’s campus. Cruz is the younger brother of the accused Stoneman Douglas gunman, Nikolas Cruz, who was charged with 17 counts of murder after allegedly shooting and killing staff and students on Valentine’s Day. 564

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

BELDING, Mich. — We’ve all likely experienced delays with the post office, but probably not like this. A Belding, Michigan, woman says she just got a postcard on Tuesday that was postmarked 100 years ago.“Yea, that’s a little too slow,” Brittany Keech said about a potential USPS delay in delivering a postcard.When she walked to her mail on Tuesday, she had no idea what she was about to find.“It was sitting right on top of the mail,” she said.It was an old Halloween postcard that was possibly lost in the mail.“I start looking at it and I’m like, ‘Okay, it’s been through some wear and tear,'" she said.You can see just how old it is. There’s a George Washington one-cent stamp in the corner, and a postmark of October 29, 1920.Keech talked about the front of the card that fits with this time of year.“It shows a witch with a cat and and a goose and an owl and says, ‘Halloween greetings. Which would you rather be? A goose or a pumpkin head?’" Keech said.The writing is old and in cursive and addressed to a Roy McQueen on Division Street.The note says:Dear Cousins,Hope this will find you all well. We are quite well but mother has awful lame knees. It is awful cold here. I just finished my history lesson and am going to bed pretty soon. My father is shaving and my mother is telling me your address. I will have to close for a night. Hope grandma and grandpa are well. Don’t forget to write us - Roy get his pants fixed yet.Flossie BurgessKeech posted the letter on the “Positively Belding” page on Facebook and it already has more than 100 comments and dozens of shares.She hopes out of all those views someone can put her in touch with a relative to get it to the family.“This might be something that their parents can say, ‘Yeah, I remember when your great-great grandma would tell me stories.’”KeechKeech says if she can’t find the family, she’s going to try and get it put into the museum in Belding.A USPS spokesperson said, “In most cases these incidents do not involve mail that had been lost in our network and later found. What we typically find is that old letters and postcards – sometimes purchased at flea markets, antique shops and even online – are re-entered into our system. The end result is what we do best – as long as there is a deliverable address and postage, the card or letter gets delivered.”This article was written by Ryan Cummings for WXMI. 2388

BROWARD COUNTY, Fla. — For three days, Andrew Bryant said he watched the Parkland shooting suspect inside his jail cell. Bryant, an inmate at the Broward County Jail, said he saw Nikolas Cruz pacing and staring at the ceiling inside his individual cell in the infirmary wing.“I don't think he was looking at anyone, just laying down looking at the roof,” Bryant told Scripps station WPTV in West Palm Beach, Florida. Jail records confirm Bryant spent time in the same wing of the jail as Cruz while incarcerated on drug-related charges.Inmate observation logs of Cruz released by the Broward County Sheriff’s Office reveal more insight into the accused killer’s behavior. Bryant said it’s that behavior he saw that made him want to reach out and speak to WPTV. “He was just lost in his mind,” Bryant said.Bryant could hear Cruz, see Cruz, and form his own opinion of Cruz. “I just hope he doesn't plead insanity or he gets off or anything because, in my opinion, I don't think he's crazy and deserves everything coming to him.”Bryant said everyone in the jail, from the deputies to the inmates, were talking about Cruz.“I think he felt intimidated being in jail,” said Bryant. “Everyone had a problem with him.”Bryant’s observations matched those recorded by deputies. A deputy is required to check on Cruz every 15 minutes and record their observations of him. They reported Cruz sleeping most of the day and eating infrequently.Cruz made little eye contact with anyone, deputies wrote in the reports. He often sat with a blank stare and appeared to be in thought. He was not allowed to interact with other inmates.“I’ve got kids so I feel strongly about this situation,” Bryant said. “If he was out of his jail, somebody probably would’ve hurt him, to be honest.”Deputies wrote Cruz is cooperative, logical, and coherent. One night, he requested a Bible to read.On one occasion when he met with his attorney, deputies said Cruz was “responsive to interview, shaking his head, nodding and agreeing, forward and engaging in the conversation.”Jail records show Cruz met with his brother twice last month, as well as with a family friend. He also met with attorneys, psychologists, and investigators.Bryant said the infirmary was on a heightened level of security while Cruz was there. He said inmates were not allowed out of their cells during that time. “When he’s not there, you will get out once or twice a day for an hour or so.”On Fen. 23, Cruz left the infirmary for another floor where he is kept away from other inmates.Bryant was released from the Broward County Jail five days later. 2635

BERLIN — A spacecraft bound for Mercury has swung by Venus, using Earth’s neighbor to adjust its course on the way to the solar system’s smallest and innermost planet. Launched almost two years ago, the European-Japanese probe BepiColombo took a black-and-white snapshot of Venus from a distance of 10,560 miles. The fly-by is the second of nine so-called planetary gravity assists that the spacecraft needs for its seven-year trip to Mercury. BepiColombo will make one more fly-by of Venus and six of Mercury itself to slow down before its arrival in 2025. Researchers hope the BepiColombo mission will help them understand more about Mercury, which is only slightly larger than Earth’s moon and has a massive iron core. 729