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People who aren’t rich or famous typically don’t have prenuptial agreements, which are legal documents detailing who gets what in a divorce. Even ordinary folks without prenups, though, should think about how to protect their money if something goes wrong.Planning for divorce may be cynical, but it’s also smart, San Diego certified financial planner Ginita Wall says.“It’s cynical to put on a seat belt when you pull out of your garage, because you’re planning for an accident,” says Wall, who is also a certified public accountant and the author of several books including “The ABCs of Divorce for Women.” “You want to be safe if that happens, God forbid.”Marital breakups aren’t the only concern. Creditors can come after joint accounts and property if a spouse has unpaid debts or gets sued, says Carl Soranno, a family law attorney in Roseland, New Jersey.“Even if your marriage is strong, or you think it’s strong, there are events that can put pressure on it,” Soranno says.Estate planning also can be easier when at least some assets are kept as separate property. You might trust your spouse to do right by the kids after you’re gone, for example, but can you trust your spouse’s next spouse? Separate property can allow you to better control who inherits after your death.“Separate property,” by the way, is the legal term for assets such as cash, investments and real estate that you owned before you married. It also applies to any gifts or inheritances you receive during marriage.But there are plenty of ways separate property can become marital property if you’re not careful. Depositing an inheritance into a joint account can do it. So can using money from a joint account to pay taxes on separately owned investments or property. State laws vary enormously, so it can be worth consulting an experienced attorney or financial planner to find out the rules that apply in yours, says CFP Shelly-Ann Eweka, a wealth management director with TIAA in Denver.“You want someone familiar with your state laws and your situation to give you advice,” Eweka says.Here are some moves that typically help to protect what you own:Have ‘mine’ and ‘ours’ accounts 2178

PALM CITY, Calif. (KGTV) — An auto theft suspect barricaded himself in an SUV at a South Bay motel, prompting a seven-hour SWAT standoff Thursday.SWAT officers surrounded the SUV in the E-Z 8 Motel on Outer Rd. at around 9 a.m. in the Palm City neighborhood, near Otay Mesa West.About 4 p.m., the suspect surrendered with his hands up.The suspect, identified as a man in his late 20s or early 30s, was the suspect of auto thefts in the South Bay and has a criminal history in the National City area, according to San Diego Police. Police had previously told 10News the man was a hit-and-run suspect.National City Police responded to the motel Thursday morning waiting for the suspect to exit, according to SDPD. The suspect and his girlfriend got into the parked SUV. When police surrounded the pair, the woman surrendered but the suspect did not. She was not arrested, police told 10News.Police initially believed the suspect was armed, they're continuing to search his motel room and vehicle for the gun. 1015

PARADISE, Calif. (AP) — A powerful wildfire in Northern California incinerated most of a town of about 30,000 people with flames that moved so fast there was nothing firefighters could do, authorities said Friday. Nine people died, including five who were found in their burned-out vehicles.Only a day after it began, the blaze near the town of Paradise had grown to nearly 110 square miles (280 square kilometers) and was burning completely out of control."There was really no firefight involved," Capt. Scott McLean of the California Department of Forestry and Fire Protection said, explaining that crews gave up attacking the flames and instead helped people get out alive. "These firefighters were in the rescue mode all day yesterday."Officials did not say how the nine people died.With fires also burning in Southern California , state officials put the total number of people forced from their homes at 157,000. Evacuation orders included the entire city of Malibu, which is home to 13,000, among them some of Hollywood's biggest stars.President Donald Trump issued an emergency declaration providing federal funds for Butte, Ventura and Los Angeles counties.When Paradise was evacuated, the order set off a desperate exodus in which many motorists got stuck in gridlocked traffic and abandoned their vehicles to flee on foot. People reported seeing much of the community go up in flames, including homes, supermarkets, businesses, restaurants, schools and a retirement center.Rural areas fared little better. Many homes have propane tanks that were exploding amid the flames. "They were going off like bombs," said Karen Auday, who escaped to a nearby town.McLean estimated that the lost buildings numbered in the thousands in Paradise, about 180 miles (290 kilometers) northeast of San Francisco."Pretty much the community of Paradise is destroyed. It's that kind of devastation," he said.While the cause of the fire wasn't known, Pacific Gas & Electric Company told state regulators it experienced an outage on an electrical transmission line near Paradise about 15 minutes before the blaze broke out. The company said it later noticed damage to a transmission tower near the town. The utility's filing was first reported by KQED News.The massive blaze spread north Friday, prompting officials to order the evacuation of Stirling City and Inskip, two communities north of Paradise along the Sierra Nevada foothills.The wind-driven flames also spread to the west and reached Chico, a city of 90,000 people. Firefighters were able to stop the fire at the edge of the city, Cal Fire Cpt. Bill Murphy said.There were no signs of life Friday on the road to Paradise except for the occasional bird chirp. A thick, yellow haze from the fire hung in the air and gave the appearance of twilight in the middle of the day.Strong winds had blown the blackened needles on some evergreens straight to one side. A scorched car with its doors open sat on the shoulder.At one burned-out house, flames still smoldered inside what appeared to be a weight room. The rubble included a pair of dumbbells with the rubber melted off and the skeletons of a metal pullup bar and other exercise equipment. The grass and elaborate landscaping all around the brick and stucco home remained an emerald green. Red pool umbrellas were furled near lounge chairs and showed not a singe on them.Evacuees from Paradise sat in stunned silence Friday outside a Chico church where they took refuge the night before. They all had harrowing tales of a slow-motion escape from a fire so close they could feel the heat inside their vehicles as they sat stuck in a terrifying traffic jam.When the order came to evacuate, it was like the entire town of 27,000 residents decided to leave at once, they said. Fire surrounded the evacuation route, and drivers panicked. Some crashed and others left their vehicles by the roadside."It was just a wall of fire on each side of us, and we could hardly see the road in front of us," police officer Mark Bass said.A nurse called Rita Miller on Thursday morning, telling her she had to get her disabled mother, who lives a few blocks away, and flee Paradise immediately. Miller jumped in her boyfriend's rickety pickup truck, which was low on gas and equipped with a bad transmission. She instantly found herself stuck in gridlock."I was frantic," she said. After an hour of no movement, she abandoned the truck and decided to try her luck on foot. While walking, a stranger in the traffic jam rolled down her window and asked Miller if she needed help. Miller at first scoffed at the notion of getting back in a vehicle. Then she reconsidered, thinking: "I'm really scared. This is terrifying. I can't breathe. I can't see, and maybe I should humble myself and get in this woman's car."The stranger helped Miller pack up her mother and took them to safety in Chico. It took three hours to travel the 14 miles.Concerned friends and family posted anxious messages on Twitter and other sites, saying they were looking for loved ones, particularly seniors who lived at retirement homes or alone.About 20 of the same deputies who were helping to find and rescue people lost their own homes, Sheriff Kory Honea said."There are times when you have such rapid-moving fires ... no amount of planning is going to result in a perfect scenario, and that's what we had to deal with here," Honea told the Action News Network.Kelly Lee called shelters looking for her husband's 93-year-old grandmother, Dorothy Herrera, who was last heard from Thursday morning. Herrera, who lives in Paradise with her 88-year-old husband, Lou, left a frantic voicemail around 9:30 a.m. saying they needed to get out."We never heard from them again," Lee said. "We're worried sick. ... They do have a car, but they both are older and can be confused at times."For one desperate day, Dawn Johnson anxiously waited for news of her father Richard Wayne Wilson and his wife, Suzanne, who lived in an RV park in Paradise that burned. The couple moved from Texas to the California foothill town about a year ago and was probably not prepared for wildfires.They lived in an RV park in the California foothill town and were unlikely equipped to evacuate. He has late-stage cancer and she is mostly confined to her bed, she said.Johnson, of Independence, Oregon, relied on fellow members of the couple's Jehovah's Witnesses congregation to check local shelters. By Friday afternoon, she learned they had been found in nearby Chico."They are fine," she said. 6569

PARIS (AP) — Oscar winner Olivia de Havilland, best known as the kindly Melanie in “Gone With the Wind,” has died. She was 104.Publicist Lisa Goldberg said the actress died peacefully of natural causes on Sunday at her home in Paris.The doe-eyed brunette was among the last of the great stars from the studio age and was the last surviving major performer from “Gone With the Wind.”The star won the Academy Award for Best Actress in a Leading Role for her role in 1946's “To Each His Own,” and won it again for her work in 1949's “The Heiress.”The sister of actress Joan Fontaine, de Havilland also appeared with Errol Flynn in several movies, including “The Adventures of Robin Hood.” 693

PINE VALLEY, Calif. (KGTV) - A man suspected of smuggling drugs along Interstate 8 with his teenage son in the car was arrested Friday by U.S. Border Patrol agents in Pine Valley. The 62-year-old unidentified man drove a Honda Accord through the I-8 immigration checkpoint and triggered a Border Patrol canine response, agents said. A secondary inspection turned up anomalies with the car’s battery.Agents said they found four vaccuum-sealed bags that tested positive for characteristics of cocaine. The packages weighed 10 pounds and had a street value of more than 0,000, according to the Border Patrol. The man, a U.S. citizen, was taken into the custody of the Drug Enforcement Administration. His 15-year-old son was turned over to the custody of his aunt. 773

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