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BERKELEY, Calif. (AP) — Berkeley’s first-in-the-nation ban on natural gas in new construction may end up eroding the region’s reputation for fine and creative dining, according to a California trade association suing the city on behalf of restaurants.In its lawsuit filed Thursday in U.S. District Court for Northern California, the California Restaurant Association argues that Berkeley bypassed state and federal regulations when it approved the ban.And while the ban currently applies only to some new construction, the association worries that it could be the start of efforts to outlaw or restrict the use of natural gas in existing structures.The trade group says such a move would harm restaurants that rely on gas “for cooking particular types of food, whether it be flame-seared meats, charred vegetables, or the use of intense heat from a flame under a wok,” according to the lawsuit.“Indeed, restaurants specializing in international foods so prized in the Bay Area will be unable to prepare many of their specialties without natural gas,” the lawsuit states.Berkeley approved its legislation in July to cheers from environmentalists. It goes into effect Jan. 1. Other cities are considering similar legislation to go electric to fight global warming.Professional chef Robert W. Phillips said in a statement issued by the association that the ban will slow the cooking process and reduce a chef’s control over heat.“It’s like taking paint away from a painter and asking them to create a masterpiece,” he said.Berkeley City Attorney Farimah Faiz Brown said the office is confident the ordinance complies with relevant law and will defend it against the lawsuit.The restaurant trade group also said it Is irresponsible to ban natural gas given the massive electrical outages intended to ease the risk of wildfires.Businesses and residents have been kept in the dark for days. 1892

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

BOULDER CREEK, Calif. (AP) — When a massive wildfire swept through California’s oldest state park last week, it was feared many trees in a grove of old-growth redwoods may have finally succumbed.Some of the state’s redwoods are around 2,000 years old and among the tallest living things on Earth.But an Associated Press reporter and photographer hiked the renowned Redwood Trail at Big Basin Redwoods State Park on Monday and confirmed most of the ancient redwoods had withstood the blaze.Among the survivors is one dubbed Mother of the Forest.Most of the redwoods may have been spared, but the historic park headquarters was not. It and many small structures were destroyed by the blazes.The fire is still burning in the Santa Cruz Mountains south of San Francisco.Laura McLendon, conservation director for the Sempervirens Fund, told The Associated Press that a great deal of work will need to be done to rebuild campground, clear trails and manage damaged trees, but Big Basin will recover. 1001

Ben & Jerry's is speaking out against the Trump administration with its newest flavor.The new flavor, titled Pecan Resist, contains an anti-Trump message under its lid: "Together, we can build a more just and equitable tomorrow. We can peacefully resist the Trump administration’s regressive and discriminatory policies and build a future that values inclusivity, equality, and justice for people of color, women, the LGBTQ community, refugees, and immigrants," the message says.According to BenJerry.com, Pecan Resist supports four organizations that are working on the front lines of the peaceful resistance: Color of Change, Women's March, Neta and Honor the Earth.The flavor consists of chocolate ice-cream with white and dark fudge chunks, pecans, walnuts and fudge covered almonds.A pint will cost consumers .99.   854

BONSALL, Calif. (KGTV) -- A man died Monday afternoon after his tractor reportedly flipped over in Bonsall.According to North County firefighters, the incident happened on the 30000 block of Cll La Reina. The man was doing yard work when the John Deer tractor went down a steep hill and started to accelerate before darting off the road, down an embankment and flipping over several times. During the incident, the man was thrown from the tractor. The man was pronounced dead when deputies arrived. The Medical Examiner's office is conducting an investigation.  599