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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

Following the CDC's recent No Sail Order extension , cruise lines say they'll not only create a bubble, but they'll test everyone who steps onboard. The tourism industry has been hit hard by the pandemic, and industry leaders say people are ready to take their coronavirus precautions and set sail.“We’ve been out of California, we’ve done all the Mexican, Caribbean, Bahama, Alaska, Hawaii, we’re planning on Panama Canal next year. After that we want to go to Europe and do a riverboat cruise,” said Betsy Atwood, a passenger on 37 past cruises.When she's not "cruising,” Atwood calls Vassar, Michigan, home. She was onboard a ship last spring when cruise lines were ordered back home. Ever since then, she's been ready to get back out on the high seas.“They need to sail, they need to get them going. You’re safer on the ship then you are to the grocery store. They’re so clean to begin with and I know now they’re cleaner than they were before,” Atwood said.Cleaning is just one part of the broad plan to get passengers back said Joe Leon, vice president of field sales for Silversea in the Americas. Silversea in the Americas is the luxury arm of Royal Caribbean and its ships only carry 600 people on board, which is small by industry standards. Other vessels have capacities of five to six thousand guests.Leon said since the shutdown, they've been simulating what life would be like on the ship, including dining and egress.He said the team of experts behind "Healthy Sail Panel" detailed all of that in a 65-page report for the cruise industry.The "74-point memo on exactly what their recommendations are, assessment of our current protocols and how the science applies and why it should apply and why these are the recommended action and result is a safe environment, our idea is to create a bubble for customers,” Leon said.Testing 100% of passengers, face coverings, enhanced sanitation methods will be everywhere. Leon says the report details multiple focal points.“First is embarkation and screening,” Leon said. “That’s testing and how strict we are with crew and passengers and contractors. Then there's public safety on board and public access where you will have to wear masks and what’s the proper social distancing measures.”They're taking shore excursions into account too, and medical facilities. While things will be different, he says, it's everyone's responsibility to do their part so that everyone can safely sail when it's time.For Atwood, who has a new excursion planned for March, what they're doing is more than enough. She's part of a group who is anxiously awaiting their annual cruise, and says, “We’ll all be heartbroken; they need to open them back up," Awtood said.The CDC's No Sail Order expires October 31, but some cruise lines are postponing voyages through the end of 2020. 2823

For many millennials, the dream of homeownership was far off. But one of the most unusual yet positive fallouts from the coronavirus pandemic has been some younger adults seeing the value of low-cost living."I'm fortunate to have been able to save during the pandemic," Paige Feingenbaum said.The 34-year-old was able to keep her job during the pandemic."I know have five digits in my bank account," she said. "I just personally never thought that could be possible for me."She's in a much better financial position and able to move forward as a first-time homebuyer. WPTV "I'm able to save so much money by not going to ticketed events, not going to movies, not eating at restaurants, spending so much more time at home," Paige Feingenbaum says. "I'm able to save so much money by not going to ticketed events, not going to movies, not eating at restaurants, spending so much more time at home," she said.Bonnie Heatzig, a South Florida Realtor, said her clients have shared that COVID-19 taught some valuable life lessons."Life under lockdown has definitely changed the financial habits of a lot of millennials. Two out of three millennials are also saying the lockdown had a positive effect on their savings," she said. "In the pre-COVID period, there was a tremendous amount of social pressure on millennials to go to the right restaurants. They memorialized their evenings out on social media. There was this fear of missing out."Now, the value of homeownership is back. Zoom "Life under lockdown has definitely changed the financial habits of a lot of millennials," South Florida real estate agent Bonnie Heatzig says. "Circles back to the importance of loving the space you are in," Heatzig said.Feingenbaum now wonders if she'll be more of a homebody."Which is enabling them to make that down payment," Heatzig said.But it's not necessarily an easy market for buyers."It's a very strong seller's market," she said. "The inventory is very low."Part of that spreads beyond new first-time buyers to "people who are looking to relocate to South Florida from crowded metropolitan areas," Heatzig said.It's a new yet crowded field in the South Florida real estate market.This story was first reported by Tory Dunnan at WPTV in West Palm Beach, Florida. 2344

Four people were killed and several others were wounded when a gunman opened fire in a Waffle House in Antioch, Tennessee.The mass shooting happened around 3:25 a.m. Sunday at 3571 Murfreesboro Pike near Hobson Pike.Metro Nashville Police Department officials named 29-year-old Travis Reinking, from Illinois, as a person of interest in the shooting, saying the vehicle the gunman used was registered to him.He has since been added to the Tennessee Bureau of Investigation's Top 10 Most Wanted list. Reports from the TBI described him as standing around 6'4'' tall and weighing approximately 180 pounds. He should be considered armed and dangerous.A ,500 reward is being offered for information leading to an arrest. Police said Reinking drove his pickup truck into the Waffle House parking lot around 3:18 a.m.. He sat in the truck for a few minutes before getting out and immediately shooting and killing two people outside of the restaurant with an AR-15 rifle.Officers said he then went inside and shot and killed another victim.Those three victims have been identified. Taurean C. Sanderlin, age 29 of Goodlettsville. He was an employee of the restaurant who was killed as he stood outside. Also killed outside was 20-year-old Joe R. Perez, of Nashville, who was a patron of the restaurant.The third death at the scene was 21-year-old Deebony Groves, of Gallatin. She was killed inside the restaurant.Police confirmed 23-year-old Akilah Dasilva, of Antioch, passed away at Vanderbilt University Medical Center after being injured inside the restaurant. A friend confirmed to NewsChannel 5 that Dasilva was a local musician who went by the nickname "Natrix."Two other victims were wounded by gunfire. They have been identified as 21-year-old Shanita Waggoner, of Nashville, and 24-year-old Sharita Hnderson, of Antioch.When the gunshots rang out, a patron ran to the restrooms. He was watching the gunman and rushed at him when he saw the gunman look down and fidget with the gun.The 29-year-old male patron wrestled the AR-15 away from the gunman. The patron suffered an elbow injury and other abrasions. He was taken to TriStar Southern Hills Medical Center and has since been released.Police said six of the eight people injured were shot.Witnesses said he was nude wearing only a green jacket and got away on foot after the patron took him down.  2424

For the first time since President Donald Trump appointed two justices to the United States Supreme Court, the Highest Court in the land ruled on abortion. It did not go the way conservatives and faith leaders had hoped. THE RULINGMedical Services LLC v. Russo, the case before the court, was whether a 2014 Louisiana law, which said abortion providers must have admitting privileges in nearby hospitals, could stand. The law would have left, for instance, only one abortion provider in New Orleans. Chief Justice John Roberts joined the four more liberal justices in declaring the law unconstitutional. "The Louisiana law imposes a burden on access to abortion.." Justice Stephen Breyer wrote on behalf of the majority. WHY IT MATTERSOn paper, conservative and faith leaders have enough justices to make significant changes to abortion rights in this country. When President Trump appointed Justice Neil Gorsuch and Justice Brett Kavanaugh to the court, conservatives had a 5-4 edge with Chief Justice Roberts, Justice Samuel Alito, and Justice Clarence Thomas. However, with Chief Justice Roberts siding with the liberal wing of the court today, it shows conservatives may be further away than they thought from any significant changes to Roe v Wade. 1261