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Following the passing of music legend Aretha Franklin, news surfaced the “Queen of Soul” did not have a will. Music icon Prince also didn’t have a will at the time of his death.How important is it to have a will?Certified financial planner Jonathan Duong says everyone should have a will, no matter your age or financial status."Even if you don't have kids, as long as your situation includes some level of basic complexity where you have different types of assets, then absolutely, a will is going to be a proper document at a minimum to have in place," says Duong.  For those who only have assets like a 401k or a life insurance policy that has a designated beneficiary built in, a will might not be necessary.  “But for many other things, there is no legal way to control where that asset goes without a will," explains Duong.  Getting a will often times entails hiring an attorney and can cost nearly ,000, but Duong says you don’t need to spend that much to have a proper will.  "Typically, their employer--if their employed with a larger company or a public organization--may offer a legal plan, within their employee benefits," says Duong.  There are also online resources like willed.com or doyourownwill.com that will help you create one for less than 0. 1301

Four suspects that were allegedly involved in the murder of Baltimore County Police Officer Amy Caprio have been identified and charged as adults.Eugene Genius IV, 17, Darrell Ward, 15, Derrick Matthews, 16, and Dawnta Harris, 16, are all being charged with first-degree murder after Caprio, was run over by a car and killed on Monday. Genius, Ward, and Matthews are also facing first-degree burglary charges as well. On Monday, the teenagers were allegedly breaking into homes in the Perry Hall area when Caprio responded. Genius, Ward, and Matthews were reportedly inside a home when Caprio arrived.Harris was waiting in a Jeep Wrangler, and when Officer Caprio told him to get out of the car he allegedly ran her over and then drove away. After a multi-day manhunt, al four teenagers are in police custody.According to charging documents, Genius was arrested a day after the murder occurred and objected to his murder charges, saying that he was in the house when the murder happened. He added that he only knew two of the others involved, not all three. They all have a trial date of June 1. ????Harris has been charged with a series of carjackings, including stealing the vehicle that police say was used to kill officer Caprio. Police say Harris was under house arrest and wearing an ankle monitor at the time.Speaking at the District Court for Baltimore on Tuesday, the judge in the case said he wasn't sure any juvenile facility is secure enough to hold Dawnta Harris.Prosecutors said Harris was arrested four times for auto theft since December of last year.“This 16-year-old perhaps shouldn’t have been out (of jail),” Baltimore County Police Chief Terrence Sheridan said.Maryland Secretary of Juvenile Services Sam Abed said the court acted with the Baltimore City State's Attorney and the public defender to let him out on house arrest. “On May 10, there was a detention that the department was not privy a party to where the youth was released back to electronic monitoring,” Abed said.Between then and May 18, Abed said his compliance was poor and they requested that he be brought in.His mother had reached out to the court to let them know she couldn’t find him. “We attempted to contact the youth through his cell phone,” Abed said. “Went to his school and other places that we knew him to frequent to try and locate him. We made many attempts to try and contact him.”Three other suspects are in custody, and Baltimore County State's Attorney Scott Shellenberger said they are planning to pursue murder charges against all three.“They are in for everything that occurs as a result as that burglary, including when their co-defendant is outside running over a police officer and killing her,” Shellenberger said. “We believe we have a solid theory to proceed on murder charges against all 4 of them.”City State's Attorney Marilyn Mosby’s office did not return a request for comment on Abed’s claim that his department wasn't privy to Harris being put back on house arrest. 3091

For the first time in nearly 50 years, older workers face higher unemployment than their midcareer counterparts, according to a study released Tuesday by the New School university in New York City.The pandemic has wreaked havoc on employment for people of all ages. But researchers found that during its course, workers 55 and older lost jobs sooner, were rehired slower and continue to face higher job losses than their counterparts ages 35 to 54.It is the first time since 1973 that such a severe unemployment gap has persisted for six months or longer.AARP said the study bolstered concerns about the economic impact of the virus on on older workers. When people over 50 lose their jobs, it typically takes them twice as long to find work as it does for younger workers, the organization representing the interests of older Americans estimates.The pandemic “may be something that is pushing people out of the workforce and they may never get back in,” said Susan Weinstock, AARP’s vice president of financial resilience programing.In every recession since the 1970s, older workers had persistently lower unemployment rates than midcareer workers — partly because of seniority benefits.But in the current recession, older workers experienced higher unemployment rates than midcareer workers in each month since the onset of the pandemic.The older workers’ unemployment rates from April through September were 1.1 percentage points higher than mid-career workers — at 9.7% versus 8.6%. The rates were compiled using a six-month rolling average and were far worse for older workers who are black, female or lack college degrees.Among the newly unemployed older workers is Legasse Gamo, 65. He was laid off in March from his job as a baggage handler at Reagan National airport in the Washington suburb of Arlington, Virginia.While Gamo is afraid of exposing himself to the coronavirus by working around others, he said he has looked for work — because he feels he has little choice but to take any job he can find.The contractor he worked for, Eulen America, has required its laid off employees to reapply for their jobs. Gamo did so but said he has received no reply.The immigrant from Ethiopia supports three grandchildren, ages 6, 12 and 14, who live with him. His daughter is still employed, but her pay is not enough to cover their expenses. Gamo gets 0 a week in unemployment insurance payments and said he has spent almost all of his savings.“I just want to get back to my job as soon as possible to support my family because I’m afraid we will end up homeless,” Gamo said.The New School study focused only on workers with established careers. As a result, it did not examine workers younger than 35.It found that the pandemic has posed a unique risk for older workers, said Teresa Ghilarducci, director of the New School’s Schwartz Center for Economic Policy Analysis.“The higher rate of unemployment for older workers might be because this is a once-in-a-lifetime chance for employers to shed older workers and not fear investigation by the labor department,” Ghilarducci said.She added: “Age discrimination rules are not being tightly enforced. Employers, fearing economic instability, may want to get rid of relatively more expensive workers and take their chances with training new workers when the economy recovers.”Older workers often face age discrimination, making it difficult for them to find jobs. Researchers believe employers laid off and resisted rehiring older adults, in part because they tend to face more serious health risks when infected by the virus.The unemployment spike for older workers could force more of them into early and involuntary retirement, worsen their financial well-being and exacerbate financial disparities already experienced by women, minorities and people without college degrees in terms of retirement security.New School researchers estimated that 1.4 million workers over 55 remain lost their jobs since April and remain unemployed. The figure does not include workers who became unemployed in April and left the work force.The situation could have deep ramifications for older workers close to retirement because their final years on the job are critical for those who have not saved enough for their retirement and expect to work longer to shore up their retirement funds.“Retirement security is very fragile and a lot of them never recovered from the recession in the first place,” said Weinstock, of the AARP. “They were planning on working to make up for money they hadn’t saved and then they aren’t able to make those catch up payments they need.”The Schwartz Center for Economic Policy Analysis at the New School has estimated in research separate from Monday’s study that 43 million people now in their fifties and early sixties will be poor when they become elderly because of economic conditions or a lack of adequate savings in retirement plans.The researchers who conducted the new study recommended that Congress increase and extend unemployment benefits for older workers, discourage withdrawals from retirement accounts, lower Medicare eligibility to 50 and create a federal Older Workers Bureau to promote the welfare of older workers.____AP Business Writer Alexandra Olson contributed to this report from New York 5294

FOSTER CITY, Calif. – The maker of remdesivir, a drug shown to shorten recovery time for severely ill COVID-19 patients, has released its pricing for the treatment.Gilead announced Monday that it will charge ,340 for a typical treatment course for people covered by government health programs in the United States and other “developed countries.”As for Americans with private insurance, they’ll be charged ,120, “because of the way the U.S. system is set up and the discounts that government healthcare programs expect,” Gilead said.Based on current treatment patterns, Gilead said the vast majority of patients are expected to receive a five-day treatment course using six vials of remdesivir. Individually, each vial will cost 0 for those covered by a government insurer, and 0 per vile for those with a private insurer.In poorer countries, with less health care resources, generic drugmakes will be allowed to make the drug and sell it for far less than in the U.S.The pricing has already come under fire, because the development of the drug was largely funded by taxpayer money.Gilead’s CEO, Daniel O’Day, wrote in an open letter that the company approached its pricing decision with the aim of helping as many patients as possible, as quickly as possible.“At the level we have priced remdesivir and with government programs in place, along with additional Gilead assistance as needed, we believe all patients will have access,” wrote O’Day.O’Day said Gilead has entered into an agreement with the U.S. Department of Health and Human Services (HHS) whereby HHS and states will continue to manage allocation to hospitals until the end of September. After this period, once supplies are less constrained, HHS will no longer manage allocation.The U.S. Food and Drug Administration (FDA) has actually not yet approved remdesivir for any use, but it has granted an Emergency Use Authorization (EUA) for the treatment of hospitalized patients with severe COVID-19.This treatment is much different than COVID-19 vaccines, which are still in development. Public health leader Dr. Anthony Fauci has said that the U.S. should have a "couple hundred million" doses of a coronavirus vaccine by the beginning of 2021. 2226

Following an overwhelming guest response to our poll, 42 is coming back to the big screen at #AMCTheatres honoring two legends: #ChadwickBoseman and #JackieRobinson. https://t.co/sHA9Oqz2tJ pic.twitter.com/9D6HGhAFzN— AMC Theatres (@AMCTheatres) September 1, 2020 272