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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

PHOENIX, Ariz. – Blanca Ramirez knows how to step past an obstacle.“We’re trying to register people to vote,” said Ramirez. “It’s really important to vote.”Leading up to the October 5 deadline for voters to register in Arizona, Ramirez walked from shopper to shopper in a grocery store parking lot in south Phoenix, making sure people were registered to cast their ballot.“I come at eight in the morning and start talking to people and see if they are registering to vote,” she said.Ramirez’s mission is driven by the obstacles and hurdles she’s overcome. She came to Arizona from Mexico in 1977.“It was really hard,” she said. “We came from poor people, poor family.”Last year, Ramirez became an American citizen and in November will cast a ballot in a presidential election for the first time."It’s like I'm born again, and they say you’re going to start a new life,” said Ramirez.“When we hear folks are upset about the current state of affairs, no matter the issue, you care about that and so voting is one way we can make a change,” said Araceli Villezcas.Villezcas works for the non-partisan organization One Arizona.The group has registered more than 150,000 people to vote in Arizona this year.“I think it’s one of the most powerful ways of creating change,” Villezcas said.Change is something Arizona has seen a lot of.According to the United States Census Bureau, Arizona is one of the fastest growing states in the nation. About 886,000 people have moved to Arizona in the past decade.“Arizona is getting a lot of national attention right now and for good reason,” Villezcas said.Arizona has gone red in every presidential race dating back to 1996. Recent elections have seen a younger, more diverse voter turnout, making Arizona a toss-up in 2020.A New York Times poll released on October 5 shows Democratic candidate Joe Biden leading President Donald Trump by 8% in the state.“I think that’s the main obstacle, just making sure that voter education is accessible to everyone in Arizona, no matter what language they speak no matter their background,” said Villezcas. “That’s something we focus on reaching; communities especially communities of color, communities that have historically that have been left out in the political process."A recent Pew research study shows a quarter of registered Arizona voters are Latino.That includes voters like Ramirez.“We are ready. I think we are the best. There are a lot of Latinos, there is going to be a lot of power,” Ramirez said. 2496

Philonise Floyd, a brother of George Floyd, challenged Congress to "stop the pain" during an appearance at a House Judiciary hearing on policing practices.During his opening statement, Philonise Floyd recalled watching the bystander video of his brother's arrest — the video that shows a police officer kneeling on his neck for more than eight minutes. George Floyd later died in police custody."I can't tell you the kind of pain you feel when you watch something like that. When you watch your big brother, who you looked up to your whole entire life die, die begging for his mom?" Philonise Floyd said. "I'm tired. I'm tired of pain. Pain you feel when you watch something like that."Police originally took George Floyd into custody for allegedly using a countefeit bill to buy to but tobacco at a Minneapolis convenience store."He didn't deserve to die over ," Philonise Floyd said. "I'm asking you, is that what a black man's worth? Twenty dollars? This is 2020. Enough is enough."He added that he hoped his brother's death would not be in vain."Please listen to the call I'm making to you now. To the calls of our family and the calls ringing out the streets across the world," Philonise Floyd said. "People of all backgrounds, genders and races have come together to demand change. Honor them. Honor George and make the necessary changes that make law enforcement the solution and not the problem."Floyd is one of about a dozen witnesses to testify during the hearing Wednesday. He'll be joined by Floyd family attorney Benjamin Crump. Other civil rights and activist leaders are also expected to testify.Also expected to testify are Dan Bongino — a former Secret Service agent and ally of President Donald Trump — and other supporters of current police practices, according to ABC News.The hearing comes a day after George Floyd was buried in Houston as largely peaceful demonstrations continue in his name in dozens of major cities across the country. Floyd died in police custody on Memorial Day after bystander video showed a police officer, Derek Chauvin kneeling on his neck for more than eight minutes. Four officers face charges in connection with Floyd's death, including Chauvin, who faces a second-degree murder charge.The hearing also comes after Democrats introduced the Justice in Policing Act — a bill that proposes several changes to policing practices in the wake of Floyd's death. Among the changes proposed in the legislation is the limiting of legal protections for police, the creation of a national database of excessive-force incidents and the banning of police choke holds. 2618

Police say a white gunman opened fire at a Kentucky grocery store, killing two African-Americans, after he tried and failed to enter a predominantly black church nearby.Gregory Bush, 51 was indicted on five counts Wednesday, including murder and attempted murder; none of them were hate crime charges, despite comments from authorities that the shootings appear to be racially motivated.CNN has reached out to a public defender for Bush and is waiting to hear back.Prosecutor Tom Wine said that because Kentucky's hate crime statute does not include homicides, Bush was not charged with a hate crime for the deaths."A hate crime designation only occurs when the judge makes such a determination at sentencing. If the judge finds a hate crime designation is appropriate, it doesn't add any additional time. The designation is only useful if the judge wishes to deny probation or the parole board wants to defer parole," Wine said in a statement.Hate crimes are considered more difficult to charge and prosecute than other criminal charges, largely because they require law enforcement to prove a specific motivation of bias.Additionally, federal investigators are looking into potential civil rights violations, including hate crimes, said Russell M. Coleman, the US attorney for the Western District of Kentucky.Bush faces two counts of murder for the shooting deaths of Maurice Stallard, 69, and Vickie Jones, 67, inside the Kroger grocery store in Jeffersontown, and in the parking lot outside, Wine said.Bush is also charged with one count of attempted murder stemming from what authorities described as an exchange of gunfire with an armed civilian. The indictment identifies the armed civilian as Dominic Rozier. Bush is charged with two counts of wanton endangerment for firing shots in the directions of two more people, Kiera Rozier and an unidentified juvenile.Jeffersontown Mayor Bill Dieruf said on Monday that the shooting is being investigated as a hate crime based on the circumstances, including the race of the victims and the defendant.Dieruf said investigators are looking into reports that Bush told a bystander before he was captured that "whites don't shoot whites."Bush remains jailed on five million dollars bond. His next court appearance is Friday, he said. 2340

PASADENA, Calif. (AP) — A divided U.S. appeals court has ruled that the Trump administration can end humanitarian protections that have allowed hundreds of thousands of people from El Salvador, Nicaragua, Haiti and Sudan to remain in the United States. The 9th U.S. Circuit Court of Appeals on Monday lifted a preliminary injunction that had blocked the government from ending Temporary Protected Status for people from those four countries. Since 1990, the policy has granted temporary legal status to people from countries affected by natural disasters and civil conflict. The legal status is often extended, but the Trump administration decided to end it for several countries. 688

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