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Bill Gates is sorry that he made it so annoying to log in to your computer.The billionaire Microsoft co-founder admitted Wednesday that the Control-Alt-Delete function used to start up Windows computers is an awkward maneuver."If I could make one small edit, I'd make that a single key," Gates said Wednesday on a panel at the Bloomberg Global Business Forum in New York City.It's a confession Gates has made before. In 2013, he blamed IBM for the issue. 467

BALTIMORE — Social media ads are designed to sell consumers on products they're already interested in, but be careful about ordering from unfamiliar websites.Queen Shaydonna Haynesworth was served up an ad for a rainbow Christmas tree on Instagram, and she jumped at it. A few weeks later, her package arrived.In a video she recorded while opening the package, Haynesworth was baffled when she realized the tree she got in the mail looked nothing like the ad she was served."Like seriously? Who is responsible for this?" she said.Haynesworth ordered the tree from a website called Iridescent To You, but the payment was processed by Yokawa Network Limited."So I love rainbow everything, and so I'm like okay, a rainbow Christmas tree, why not? This should be fun," Haynesworth said.That is, until a feather duster lookalike arrived in the mail."Yo! It's missing a leg!" Haynesworth said in her unboxing video. "The worst thing I've ever seen in my whole life."She didn't try contacting the company or returning the item — she figured it was a lesson learned.Angie Barnett, president and CEO of the Better Business Bureau in greater Maryland, said that's what creators of fake websites hope will happen."The scammer or the schemer clearly made a profit. Most of these items are made overseas, so to return the item you'd actually have to ship to China or ship to an outside country and the cost is going to be phenomenal," Barnett said.Before ordering anything from social media ads or unfamiliar sites, look at the contact page. If there is no business address listed, that's a red flag. If there is an address, Google the address to see if it exists. Call the phone number to see if it works. Send an email and wait for a response. And use a credit card when shopping online.While it's nothing close to what she ordered, Haynesworth said she's keeping the tree."I'm determined now," she said. "Like, it's mine. I might as well. I'm going to get the ornaments I was going to put on it. Now, I'm defiant. I'm getting that tree up."This story was originally published by Mallory Sofastaii on WMAR in Baltimore. 2120

Bottles of water, bags of clothes and foldout tables are set up and ready at a Phoenix church awaiting the next busload of asylum-seeking families released by ICE.Pastor Angel Campos at Monte Vista Cross-Cultural Church confirms his church is temporarily housing families upon their release from ICE. "They leave their homes; they leave everything," Campos said. "They say that their belongings mean nothing without their lives."Back in October, ICE officials announced they were releasing an increased number of families amid a surge of them showing up at the border and a limit to how long they can detain families. "You hear the stories; you hear the pain," Campos said. An unknown number of Phoenix-area churches are temporarily taking in the families upon their release from ICE as they work to connect with other relatives across the country. The families are equipped with ankle monitors and still have to go through the immigration court process.Statistics show the number of "family units" that are apprehended along the Southwest border has surged in recent months. Campos says he reached out to ICE to offer up his church to help with this process. He says he is surprised by how many people have shown up in buses, estimating more than 800 people have come through his church since early October, with the most recent group of people arriving this past Thursday. Campos said nearly everyone from that group has since left the church. "We have to be strong, not to fall in love with them so much that it hurts you when they leave," Campos said. Campos said donations, including clothes and bottled water, are welcome.  1692

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

BREAKING: Devaunte L. Hill, 21, is in custody for the murder of Nashville nurse Caitlyn Kaufman. MNPD SWAT members arrested him at 6:15 a.m. at his East Nashville apartment. He is being charged with criminal homicide. pic.twitter.com/lJ6LMHy8v7— Metro Nashville PD (@MNPDNashville) December 11, 2020 313