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BREAKING - Ronna McDaniel, the RNC chairwoman, tested positive for the coronavirus on Wednesday, multiple sources say. She has mild symptoms. She was last with POTUS last Friday and has been in Michigan since then.— Maggie Haberman (@maggieNYT) October 2, 2020 268

BONSALL, Calif. (KGTV) — One year after the Lilac Fire, houses are going up, as well as "for sale" signs on empty lots. Mike and Tami Hulsizer never hesitated to rebuild. “Just knowing that although losing the house originally was tragedy, but I knew that we would rise again and I knew that my Lord would take care of it,” said Mike.Mike says faith has gotten his family through the challenging year. So has compassion from those willing to help. RELATED: Hero horse trainers who rescued racehorses commemorate first anniversary of Lilac FireFrom the design to subcontractors, neighbors and businesses have pitched in to ease the financial burden of rebuilding. “There’s been a lot of hands involved in this house,” said Mike. The new home features spacious windows which highlight the beautiful nature surrounding them. Mike and Tami say their hearts ache for those who recently became fire victims across the state.RELATED: Lessons learned from the Lilac Fire, in San Diego report"They’re going through the same thing we did but they’re just getting started, I feel bad for them, we’ve been there and know exactly what they’re going through," said Mike.In addition to the companies which have helped them rebuild, Mike says he’s grateful to the county for the swift permitting process. “It’s been really a miracle house for us,” said Mike.He hopes to have everything complete in early April and will celebrate with a party. 1434

BUFFALO, N.Y. -- Buffalo police officers are no longer required to display their names on their badges after a change in departmental rules. Officers will now be required to wear badges that show a badge number instead. According to Mayor Byron Brown, the change was made about a week ago due to ongoing concerns for officer safety. Brown says officers have been subjected to online threats, targeting them and their families. 434

BUFFALO, N.Y. — The New York State Department of Health is looking into allegations that a former administrator at Emerald South Nursing and Rehabilitation Center in Buffalo, New York molested a patient.A health department spokesperson tells WKBW the department is aware of claims that the assistant director of nursing was fired after being caught touching a resident inappropriately. In a separate incident, the same administrator allegedly bit a resident. "We are aware of these allegations and we are investigating. As this remains an active investigation, we cannot comment further," said health department spokesperson Jeffrey Hammond. Emerald South has already been under investigation by the state health department for two recent incidents involving the deaths of residents.In June, 87 year-old William Strasner fell to his death after police say he tried to escape from a third-floor window. In August 2016, 83 year-old Ruth Murray died after she was attacked by a male patient in the facility's dementia unit. Anyone who has a complaint or concern about nursing homes in New York State can call the Centralized Complaint Intake at 1-888-201-4563. All complaints are confidential.  1239

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