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Bell: I also want to be clear, our investigation does not exonerate Darren Wilson. https://t.co/MlztWlu4ne— Joel Currier (@joelcurrier) July 30, 2020 157

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

BOSTON (AP) — The World Series opens in October chill on Tuesday night, with Los Angeles Dodgers ace Clayton Kershaw pitching at Fenway Park for the first time and facing a Red Sox team that had the best record in baseball.Kershaw will confront a lineup loaded with the likes of Mookie Betts and J.D. Martinez that carried Boston to 108 wins this season.Chris Sale gets the start for Boston, pitching 10 days after his last outing and nine after he was hospitalized with what the team called a "stomach illness." What precisely was wrong with Sale is unclear. He joked — possibly — that it was from a piercing gone bad.Forecasts call for the temperature to be around 50 degrees for the first pitch a little after 8 p.m., with a drop as the night goes on. 762

BROWNSBURG, Ind. -- Deputy Jacob Pickett of the Boone County Sheriff's Office was shot and killed in the line of duty last week after a shootout with a suspect during a car chase.Pickett is survived by not only his two young boys and wife, but by his K-9 partner, Brik, who was by his side on the day he was fatally shot.Brik honored his fallen partner at his funeral by stopping, alone, in front of Deputy Pickett's casket. And as a dog would, he wagged his tail, as a final salute to a man with which he had an unbreakable bond.Brik followed a K-9-only procession, going by Deputy Pickett's casket to pay their last respects for a fall comrade.You can watch video of the service in the player above.   731

BARCELONA -- For adventure-seekers and travelers, the pandemic has put a damper on outdoor excursions. But for one filmmaker in Barcelona, a canceled family ski trip turned into an opportunity to bring adventure home to his living room.Philipp Klein Herrero is fanatical about skiing.“I am always skiing,” he said. “It's my passion.”So, when the pandemic lockdown forced him to cancel a long-planned family ski trip to France, the filmmaker decided to create a video for them.“I wanted to send them love from where I am and that's how the idea came about.”He taped a GoPro to his ceiling and cleared the room, bringing to life the adventure of a lifetime – on his living room floor.“It starts with me waking up on the side of the mountain in my sleeping bag and having my skis right next to me,” he said. “Once, it gets too steep to walk I switch into ice-climbing mode.”Over the next six and a half hours Klein painstakingly captured this stop-motion odyssey – one frame at a time. He used bed sheets for the side of the mountain.“And of course, nowadays the first thing you do when you reach the summit is you cheer and then take some selfies,” he said.The 57 second film has gone viral, making international headlines.“It just went absolutely crazy from there on,” he said.Klein says his only true desire was to spread a message of hope, inspiring others in challenging times.When asked what the most important thing that he wants people to take away from watching his video, he said that we all have to stay positive.“We have a tricky situation among us, and we literally don’t know how it’s going to end up, but it’s within us to make the best out of it.”He’s proving adventure can be found just about anywhere. 1724