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Btw this BF article and many others are saying #ChallengeAccepted originated in Turkey. That is false. IG confirmed the resurgence there was unrelated to the version of the challenge in the US. This challenge has been spreading online since at least 2016 https://t.co/HXCQ11K9P1— Taylor Lorenz (@TaylorLorenz) July 28, 2020 331

BREAKING: Here’s the view from the Times Square camera of the moment a vehicle drove through Black Lives Matter demonstrators.@PIX11News pic.twitter.com/XeRmYpagRd— Cristian Benavides (@cbenavidesTV) September 4, 2020 225

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

BREAKING - Ronna McDaniel, the RNC chairwoman, tested positive for the coronavirus on Wednesday, multiple sources say. She has mild symptoms. She was last with POTUS last Friday and has been in Michigan since then.— Maggie Haberman (@maggieNYT) October 2, 2020 268

BEECH GROVE, Ind. — A man has been arrested after he recorded himself dumping a bag of flour onto the head of a 68-year-old woman at a Beech Grove, Indiana Walmart on Wednesday. An off-duty IMPD officer working at the Walmart on Emerson Avenue just after 10 a.m. when he was informed of the incident. The 68-year-old woman was shopping in the store when a man she didn't know snuck up behind her and dumped an entire bag of flour on her head. The suspect, Phillip Weaver, 22, recorded the incident on Facebook Live and shared it on his social media page. Weaver was arrested Thursday afternoon. He's been preliminarily charged with battery, theft, theft of a firearm and criminal mischief in reference to that incident. Final charges will be determined by the Marion County Prosecutor's office. The incident remains under investigation.  A quick view at Weaver's social media pages shows that he regularly records himself doing what he calls "pranks" to other people in public places and shares them with his followers. Some people commenting on this posts find his "pranks" funny, but others have called him out for what he has done.WRTV has chosen not to share these posts or pranks because of the nature of the content and to protect the victims involved.  1302