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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

Police say there is no ongoing threat to safety after four Wisconsin high school students were caught plotting a school shooting on Facebook Messenger.Four juvenile suspects from Eau Claire took part in the group chat, which police say indicated that "a mass shooting would occur at Memorial High School on Monday, March 26." The group chat included photographs of guns and "several specific statements" related to a planned shooting.All four are students at Memorial and have been referred to Eau Claire County Juvenile Intake for making terrorist threats.Eau Claire Police say the threat was originally reported on March 16. Officers and school staff worked quickly to follow-up by interviewing "many students, parents, and faculty members."The four students will not be returning to Memorial High School, police say. 837

Pharmacists will be instrumental in getting the first round of COVID-19 vaccines out, especially for the most vulnerable.Walgreens and CVS have a deal with the U.S. Department of Health to go into more than 50,000 long-term care facilities. Both companies are still recruiting pharmacists, nurses and pharmacy technicians.“I am absolutely supportive of getting a vaccine and I will be the first in line when I am eligible to get one. I believe in vaccines. I believe in the science of vaccines,” said Tasha Polster, who deals with pharmacy quality, compliance and patient safety at Walgreens.Once the vaccine is more widely available, people will be able to sign up online to get the vaccine at a pharmacy location.Walgreens plans to work with communities to set up COVID-19 vaccine sites in other locations, like they do with the flu shot.“We work with churches and local community centers in underserved populations to bring the vaccine to those patients that would you know need them,” said Polster.Speaking of the flu, the pandemic has brought some encouraging news on that front.Walgreens created special map models to show what the flu season has done so far this year compared to last year. They show there’s been far less activity.Walgreens attributes that not only to COVID-19 safety precautions, but to what they call an unprecedented demand for flu shots, which you can still get. 1399

PIERCE TOWNSHIP, Ohio -- Getting cited by the police doesn't always have to be a bad thing in Pierce Township. Police Chief Jeff Bachman said his men have added a new type of ticket to their arsenal: A yellow slip recognizing the actions of residents who take time to do the right thing for others."You'll get a call from maybe a disabled motorist, someone with a flat tire, and you pull up and someone is already changing that tire," Bachman said. Those are the people honored by the new golden tickets, each of which comes with a Walmart gift card. Bachman said he hoped the initiative would inject some happiness into his community and help people connect with police in a positive way."We see a lot of negativity on the news, in our job, but why not accent the positive?" he said. "People do good things."Twenty-one-year-old Sadie LaRoque and 20-year-old Matthew Murphy were the latest golden ticket recipients this week."We were sitting in the parking lot of the movie theater after our movie got out, and we saw some teenagers acting suspicious -- leaning up against somebody's car, touching it," LaRoque said.These witnesses turned investigators wanted to do the right thing, so they approached the teenagers and jotted down their license plate information, which went a long way for police. "We have great residents," Officer Philip Gammon said. "If we get a chance to recognize the good things that they're doing, I think we should take the opportunity to do that." 1506

PHILADELPHIA (AP) — Bill Cosby's lawyers are arguing in a new appeals filing that it was “fundamentally unfair” to let prosecutors use Cosby's damaging deposition from a sex accuser's lawsuit against him at trial. The filing made Tuesday largely focuses on what Cosby believes was a binding promise from a district attorney that he wouldn't be charged in the case. A spokeswoman for the Montgomery County district attorney's office isn't commenting but says prosecutors will file a response within a month. The 83-year-old Cosby is serving a three- to 10-year prison term for three counts of felony sex assault. 619

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