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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

BRADENTON, Fla. — A Bradenton family is calling into question the Manatee County School District’s dress code policy after their daughter was forced to put band-aids on her nipples.Lizzy Martin, 17, said a dean told her to put a shirt on over her top, because she wasn’t wearing a bra.Martin said she complied, but the dean still wasn’t satisfied. Martin said she was sent to the nurses office to put band-aids over her nipples. “It was humiliating,” said Martin.School district officials said the student’s attire was distracting for the student body, but acknowledged that the issue could have been handled better. 629

Beyoncé left fans in awe during Saturday’s performance at Coachella, even sparking a viral hashtag.Following her two-hour-long performance, many fans took to Twitter with #Beychella.According to the Press-Enterprise, as many as 75 people appeared on stage with Beyoncé during the mega performance.Fans couldn’t get enough of the reunion of Destiny’s Child and Beyoncé’s duet with husband Jay-Z. Not only was the performance memorable, but also one for the history books."Coachella, thank you for allowing me to be the first black woman to headline," Beyoncé exclaimed before performing her hit song “Run the World (Girls).”The singer also made mention of the amount of time that went into planning the performance. Beyoncé was supposed to headline Coachella in 2017 but had to cancel because she was pregnant with twins, according to CNN."I am so excited to see the BeyHive tonight at Coachella. We have been working hard and have a special show planned for you so please be safe and stay hydrated," she wrote on Facebook. "We need your energy!" 1083

Bob Gibson quite literally changed the game of baseball.He was a fierce competitor and beloved by Cardinal Nation.We will miss him dearly. Rest in peace, Gibby ?? pic.twitter.com/TQDT21c6wU— St. Louis Cardinals (@Cardinals) October 3, 2020 247

BENTONVILLE, Ark. – Romaine lettuce that was sold at Walmart stores across the country is being recalled because it may be contaminated with E. coli.Tanimura & Antle Inc. is voluntarily recalling its packaged single head romaine lettuce after at least 12 people in six states became infected with a strain of E. coli, according to the Centers for Disease Control and Prevention (CDC). Five of those people were hospitalized.Health officials say they’ve determined that the E. coli strain in the affected lettuce was closely related genetically to the strain identified in ill people.The company says a total of 3,396 cartons of potentially affected product were distributed to the following states: Alaska, Arkansas, California, Illinois, Indiana, Massachusetts, Missouri, Nebraska, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, and the U.S. territory Puerto Rico.Walmart has released a list of more than 1,000 of its stores where the recalled lettuce was sold.Affected packages contain a single head of lettuce with the UPC number 0-27918-20314-9. They are labeled with the “packed on” dates 10/15/2020 or 10/16/2020. No other products or pack dates are being recalled.The Food and Drug Administration (FDA) says this strain of E. coli causes diarrheal illness, often with bloody stools. Although most healthy adults can recover completely within a week, some people can develop a form of kidney failure. It’s most likely to occur in young children and the elderly. The condition can lead to serious kidney damage and even death, according to the FDA.The CDC says people usually get sick from the E. coli two to eight days after swallowing the germ. Symptoms include severe stomach cramps, diarrhea, and vomiting. Some have a fever, which usually is not very high. If you are experiencing any of these symptoms, contact a physician.If you have any of the affected lettuce, officials say the product should be disposed of and not consumed.Those with questions or concerns can call the Tanimura & Antle Consumer Hotline at 877-827-7388, Monday – Friday, 8 a.m. to 5 p.m. 2158

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