濮阳东方医院男科治阳痿收费低(濮阳东方医院妇科做人流手术口碑怎么样) (今日更新中)

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

BUCKEYE, Arizona — Remains found?in?early March in a field are those of 10-year-old Jesse Wilson, who disappeared from his family home in July 2016.FULL COVERAGE: Search for Jesse WilsonBuckeye police said Tuesday that a forensic analysis of skeletal remains found March 8 by a city worker near State Route 85 and Broadway Road confirmed it was the body of Wilson."The Buckeye Police Department, along with our state and federal partners, will continue to pursue this investigation until its conclusion," Buckeye police said in a Facebook post. "We believe this case will be resolved as Jesse deserves nothing less."Wilson disappeared July 18, 2016 from his family's Buckeye home. A massive community effort ensued, as neighbors spent endless hours searching for the boy.Wilson's mother, Crystal, initially contacted the Buckeye Police Department's non-emergency line in the early morning hours of July 18, saying her son had slipped out of their home.Similar incidents involving Jesse and his siblings were uncovered, including an incident in April 2016, when Buckeye police responded to the family's neighborhood after Jesse was found in a neighbor's yard.ABC15 also discovered 2011 reports from Avondale police, who were called to Crystal Wilson's home after receiving reports that her five children were being abused and underfed. Responding officers checked the children for injuries and determined they were fed and there was no evidence of abuse. Neighbors who lived near the Wilson's in Avondale told ABC15 the children were often seen knocking on doors asking for food.Police said Tuesday that their investigation into Jesse's death is continuing. They did not release any information on a possible cause of death."While this is not the outcome for which any of us had hoped, we want to stress that this is not the end of our investigation," Buckeye police said. See a timeline tracking the search for Jesse Wilson below. 1993

BLOOMINGTON, Ind. — At least two protesters were struck by a vehicle Monday during a demonstration against racism in Bloomington.The incident happened around 9 p.m. Monday in the area of 6th and Walnut in Bloomington near the Monroe County Courthouse as the protest was wrapping up.Hundreds of people had been taking part in a rally and protest march through Bloomington in response to an alleged racist attack at nearby Lake Monroe over the weekend. In that incident, which was caught on video, several men attack and allegedly threatened to lynch Vauhxx Booker, a Monroe County Human Rights commissioner.Geoff Stewart was one of the two people struck by the vehicle during Monday's protest."A woman driving the vehicle came up to the stop and had started revving her engine toward us, and we tried to stop her and let her know that the crowd is clearing up," Stewart said. "But, she and her passenger both wanted to go right away, so they started to push. They pushed into the woman that was with me and when she pushed again both of us went on the vehicle."Stewart said when the driver started to accelerate, the woman he was with ended up on the hood of the vehicle, and he ended up hanging off the driver's side of the vehicle."I was just trying to block her vision so she would slow down, so I tried to pull myself as far in her way to obstruct her view," Stewart said. "She drove through red lights and made her turn up here that threw both of us off the car."One protester was transported to the hospital with injuries, and another was checked at the scene. The extent of their injuries is currently not known.This story was originally published by Cameron Ridle on WRTV in Indianapolis. 1704

Bill and Hillary Clinton are going on tour.The Clintons announced on Monday that they would headline a series of live events together -- billed "An Evening with The Clintons" -- across the country in the final weeks of 2018 and into 2019.The tour will provide the Democratic stalwarts with a notable platform weeks after the consequential 2018 midterm elections and deep into 2019, when a number of Democrats will be jockeying for positions in the fight to be the party's standard bearer against President Donald Trump in 2020.The events, which are being produced by tour promoter Live Nation, are being billed as "one-of-a-kind conversation with two individuals who have helped shape our world and had a front seat to some of the most important moments in modern history.""From the American presidency to the halls of the Senate and State Department to one of the United States' most controversial and unpredictable presidential elections, they provide a unique perspective on the past, and remarkable insight into where we go from here," reads the website dedicated to the tour.The tour will start in Las Vegas, Nevada, with an event at the Park Theater. The couple will then travel to Toronto, Montreal and Texas before the end of 2018. The tour will start back up in April of 2019 with events in New York, Michigan, Pennsylvania, Connecticut, the District of Colombia, British Columbia, Washington and California.Ticket prices run the gamut based on each location, but top tickets at the couple's events in Texas cost 9. The least expensive tickets at some of the events were around .A Clinton spokesman did not respond to a request for comment on how much the Clintons will be paid for the tour.Cross-country tours are in vogue for Democratic heavyweights. Former first lady Michelle Obama announced earlier this year that she would embark on a 10-city tour around her upcoming memoir, "Becoming."While the events were billed as a chance for an "intimate conversation" with the former first lady, Live Nation booked arenas -- including the United Center in Chicago -- for the tour. 2100

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

来源：资阳报