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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 BEACH COUNTY, Fla. -- An unmasked man pulled a gun on a masked shopper and threatened to kill him during an apparent confrontation over face coverings at a Florida Walmart, deputies said.According to the Palm Beach County Sheriff's Office, the store's security video shows Vincent Scavetta pushing an older man in a wheelchair through the Royal Palm Beach store on July 12.In the video, a man with his young daughter approach Scavetta and exchange words. Witnesses said the man made a comment about Scavetta not wearing a mask.The video shows Scavetta giving the shopper the middle finger before pulling a handgun from his waistband, deputies said."I'll kill you," Scavetta said, according to an arrest report.Scavetta faces charges of aggravated assault with a deadly weapon and improper exhibition of a firearm. 826

PHOENIX — From top restaurants to moving companies, you have probably used Yelp before to find businesses to use. But have you ever thought to use the website to find a daycare?The site can sometimes be a dumping ground for complaints. So, is it credible when looking for someone to look after a child? Researchers at Arizona State University decided to find out.The study included 40 cities and roughly 50,000 submissions on nearly 10,000 childcare facilities. Three of those 40 cities were Phoenix, Mesa and Tucson.Researchers tell KNXV even they were shocked by the findings.They found, through the reviews, that a majority of parents were meticulous and detailed. More than 75 percent gave a 5-star review.As for why they decided research like this was important, ASU said they wanted to see exactly what parents were looking for in childcare, what they were saying in these reviews and how uncovering that could lead to policy changes that could benefit all children.But, despite overwhelmingly positive reviews, lower-income families often reported more bad experiences, disrespect and a lack of learning for their children.Chris Herbst, an associate professor at ASU, was deeply involved in this study. He hopes this research will encourage parents to keep documenting their experiences."It provides this sort of learning loop for childcare providers," Herbst explained. "So, if providers know the parents... feel a certain way about the program, then providers can use this information to inform their... quality improvement activities."While these reviews are a good start, Herbst stresses that parents have plenty of tools they can use, beyond just basing it on online reviews.One suggestion he gives is using the Quality Rating and Improvement System.Parents can search their state and look-up different facilities to see how this system evaluates and rates the program's quality.KNXV also reached out to Erin Raden for more tools and advice for parents. She is the executive director of the Arizona Early Childhood Education Association.In regards to using online reviews like Yelp, Raden said it is good to use. However, it should not be the only way you make a childcare decision."You may have a parent that's upset about something," Raden said. "And that might be the right choice for them to no longer take their child there. But that doesn't mean that it wouldn't be the right choice for you."Raden also suggests taking your time and visiting at least two or three facilities."It's just going to be a lot about what feels right to you and you should always trust your instincts," Raden explained.She said that it is not about a facility being the most beautiful place, but instead look at how the students are engaged with their instructors. 2826
PARADISE HILLS (CNS) - A 28-year-old man and his 27-year-old passenger were injured today after the 2014 Harley Davidson motorcycle they were riding crashed into a stationary vehicle in the Paradise Hills neighborhood of San Diego.The collision happened at 9:30 p.m. Saturday in the 6400 block of Potomac Street, according to Officer Robert Heims of the San Diego Police Department.``The driver lost control of his motorcycle and slid into a parked vehicle,'' Heims said. ``The driver sustained broken knees along with several other injuries.''The passenger suffered a dislocated right hip. Both were transported to a local hospital.A San Diego Police Traffic Division investigation determined the crash occurred, at least in part, because of substance intoxication. 774
Parents know that a road trip with a baby can be a nightmare. Even stopping for a break hardly counts as "rest." And when it comes to twins? Forget about it.One Reddit user, posting under the handle "neroiscariot" found himself in that exact situation. He says he was returning from his brother's funeral with his wife and twin babies when the family stopped at an IHOP. In an already stressful situation, the poster says he was struggling to keep his children calm.Though the two fussy children seemed to be bothering diners around the restaurant, one customer went of their way to brighten the family's day."A stranger picked up our tab at IHOP while my wife and I were struggling to keep our twin babies calm. We cried," neroiscariot posted. He included a photo of a receipt that included the message "Just breathe you're doing great :)." 875
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