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BOULDER, Colo. — The Boulder City Council has voted to approve a ban on so-called "assault" weapons, bump stocks and high-capacity magazines.The vote at Tuesday's city council meeting was unanimous.The most recent version of the ordinance defined "assault" weapons as “semi-automatic firearms designed with military features to allow rapid spray firing for the quick and efficient killing of humans.”Anyone who legally owns an assault-style weapon in Boulder before June 15 would be allowed to keep it under the new rules. However, they would have until December 31 to: 577

BOSTON (AP) — Colleges and universities are pushing back against the Trump administration’s decision to make international students leave the country if they plan on taking classes entirely online this fall. Harvard University and the Massachusetts Institute of Technology filed a lawsuit seeking to block the rule Wednesday, and other universities are promising to work with students to keep them in the country. The Trump administration says the directive will allow for proper social distancing on campuses. U.S. Immigration and Customs Enforcement notified colleges Monday that international students will be forced to leave the U.S. or transfer if their schools operate entirely online. 699

BLOOMINGTON, Minn. (AP) — The Trump administration has removed gray wolves in most of the U.S. from the endangered species list. Thursday’s action ends longstanding federal safeguards for the predators in the Lower 48 states, except for a small population of Mexican gray wolves in the Southwest. The announcement just days ahead of the election could allow hunting of the animals to resume in Great Lakes states -- a battleground region in the presidential race between President Donald Trump and former Vice President Joe Biden. Gray wolves have recovered from near extinction in parts of the country but remain absent from much of their historical range. Biologists who reviewed the administration’s plan to strip protection from wolves say it lacked scientific justification. 787

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

BONSALL, Calif. (KGTV) - Horse trainers gathered for lunch in Bonsall, cherishing the friendships that blossomed from tragedy. Friday marked one year since the Lilac fire changed their lives."I knew a lot of people would be thinking about it, I knew it would be in the community also," Michele Dollase said that's why she organized the event.Shortly after 11 a.m., trainers trickled onto the cafe's balcony, trading smiles, and hugs. Dollase said today was also time to, "think about the horses we did lose, the people who risked their lives." "Everybody come back and not try to forget but try to go on with life," Martine Bellocq said sitting in a wheelchair. The fire left it's mark, burning 60 percent of her body and eventually taking her leg.RELATED: Lessons learned from the Lilac Fire, in San Diego reportSmall note cards on the tables spoke to the power of heroes. Dollase wanted them to know together they did everything they could to rescue racehorses on that dark day. "They were very innocent in the fire, they didn't know what was happening they relied on us," she said.As the horses relied on them, they lean on each other today, "give each other what they need, it was humanity you know a little bit," Bellocq said.RELATED: Horse Trainer burned in Lilac Fire optimistic in recoveryTrainer Kimberly Marrs said the friendships have raised them up, "it's really helped us overcome a lot of what we went through." A listening ear healing inside, while those like Bellocq are mending on the outside, "I just got operation of both the lip, and the chin, the eyes."Friday they had the Northern California fires on their mind, aching for everyone involved."My heart goes out to those people," Dollase said.RELATED: Horses displaced by Lilac Fire ready to return home"It really kinda shook me to my core that these people were having to go through the same pain and tragedy that we went through," Marrs said."It bring tears to my eyes and I wanted to go over there and help but I say, 'what can I do in my wheelchair?'" Bellocq said, she wanted to take in everyone who was affected but knew that wasn't possible.Bellocq instead shared this advice, "in life whatever happened to you it's a lesson, to teach to everybody... It happened for a purpose, in life, and the people who were touched by the fire," saying a brighter day is coming.During the Lilac Fire, San Luis Rey Downs lost 46 horses. Now their barns have been rebuilt and they're hoping to move in within the next two weeks. 2499

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