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Band-Aid is doing its part to address racial disparities by introducing a line of bandages in light, medium and deep shades of black and brown skin tones.The brand, owned by Johnson & Johnson, made the announcement on Instagram last week, saying the intent is to “embrace the beauty of diverse skin.”“We are dedicated to inclusivity and providing the best healing solutions, better representing you,” the brand continued.Additionally, Band-Aid said it will be making a donation to Black Lives Matter as a first of many steps to help address systemic racism.A Band-Aid spokesperson told CNN that it will be a 0,000 donation, in addition to the million that its parent company has committed to fight racism and injustice in the U.S. over the next three years.While Band-Aid’s new line is a step in the right direction, other brands have been doing this for some time now.For example, Tru-Colour Products was founded by a white father in 2014 who wanted to celebrate his adopted black son’s identity. Another example is Browndages, a black-owned bandage company founded by a husband and wife who were trying to fill a void in the market.Band-Aid itself has sold multiracial bandages in the past. In 2005, the brand launched its Perfect Blend products, but the company discontinued them because of “lack of interest at the time,” Band-Aid told CNN. The company still sells Perfect Blend products, but they’re clear.“We stand in solidarity with our Black colleagues, collaborators and community in the fight against racism, violence and injustice. We are committed to taking actions to create tangible change for the Black community,” Band-Aid said. 1663

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: 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

BOSTON (AP) — Four more parents pleaded guilty on Monday in the college admissions bribery scandal, and a Texas man accused of helping to orchestrate the scheme also agreed to reverse his plea and accept guilt.Parents Douglas Hodge, Michelle Janavs, Manuel Henriquez and Elizabeth Henriquez entered guilty pleas in Boston's federal court Monday after previously pleading not guilty. Each faces charges of money laundering and conspiracy to commit mail and wire fraud.Martin Fox, the president of a private tennis club in Houston, also agreed to plead guilty by Nov. 20 in a deal that prosecutors announced Monday. He is charged with racketeering.Authorities say Fox brokered bribes to help wealthy parents cheat on their children's college entrance exams at a Houston testing site. He's also accused of arranging bribes to get two students admitted to the University of San Diego as recruited athletes, and one student to the University of Texas. He will return the 5,000 he received through the scheme, according to his plea deal.Fifteen other parents previously pleaded guilty as part of plea agreements. Prosecutors agreed to request lighter sentences for those parents since they took responsibility earlier. But the four new parents had no such deals, and they face additional charges of money laundering that could bring weightier sentences.Out of 10 parents sentenced so far, nine have been dealt prison time, with terms ranging from 14 days to five months. Another 15 parents are fighting charges tied to the scheme. Their trials are expected to begin sometime in 2020.Hodge, of Laguna Beach, California, was accused of paying more than 0,000 in bribes to get two of his children into the University of Southern California. Authorities say he paid 0,000 to get his daughter admitted as a soccer recruit in 2013, and 5,000 to get his son in as a football recruit in 2015. Neither played on those sports teams.Hodge, a former CEO of the Pacific Investment Management Company, is scheduled to be sentenced in January 2020. He apologized in a statement Monday, saying he takes full responsibility for his conduct."I have always prided myself on leading by example, and I am ashamed of the decisions I made," he said. "I acted out of love for my children, but I know that this explanation for my actions is not an excuse."Janavs, of Newport Coast, California, is accused of paying 0,000 to get her son admitted to Georgetown University as a fake tennis recruit in 2017. She separately paid 0,000 to help two of her daughters cheat on the ACT exam in 2017 and 2019, prosecutors said.Janavs is a former executive of Chef America Inc., a food producer that created the Hot Pocket frozen snack. She is set to be sentenced in February.Manuel and Elizabeth Henriquez, of Atherton, California, are accused of paying 0,000 in bribes to get their oldest daughter into Georgetown as a fake tennis recruit in 2016. They're also accused of paying to help two of their daughters cheat on college entrance exams a total of four times.Manuel Henriquez is the founder and former CEO of Hercules Capital, a finance firm in Palo Alto, California. The couple is scheduled to be sentenced in March. 3210

Beyoncé sent a letter to Kentucky Attorney General Daniel Cameron on Sunday demanding justice for Breonna Taylor.Taylor was shot and killed in her home on March 13 after police executed a no-knock warrant. According to NBC, Taylor's family said her death was a part of a botched raid. Since her death, Louisville and the federal government have introduced legislation that bans no-knock warrants. However, for Beyoncé, that's not enough. In her letter, she asked that the officers involved be held accountable for their actions. She mentioned that no arrests have been made, and the officers are still employed by the department. After explaining the situation, Beyoncé asked for three things in her letter. Those are:Bring criminal charges against Jonathan Mattingly, Myles Cosgrove, and Brett HankisonCommit to transparency in the investigation and prosecution of these officers' criminal conductInvestigate the LMPD's response to Breonna Taylor's murder, as well as the pervasive practices that result in the repeated deaths of unarmed Black citizens 1062