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People in Idaho are walking through their future homes before the walls go up. "It's like you're really there cooking in your kitchen walking to the fridge back to the sink," said the owner of Draftech Brendan Smythe. Incorporating virtual reality into the mix can mean big bucks saved for homebuyers. There's a big demand in Idaho's Treasure Valley home market. According to data, nearly a quarter of sales are of new homes, and the cost of land and construction is rising. Some builders say nearly ,000-30,000 can be saved by making changes before the fieldwork begins."The changes and modifications they know they would've made out in the field they can make them a lot sooner, earlier on, more cost-effective up front," Smythe said. Draftech is an architecture design firm in the Treasure Valley taking their 2D drawings and blueprints and bringing them to life."You have your husband or your wife right next to you in the kitchen you get a sense of size and space," said Smythe. VR also helps all hands on deck save money and time."It saves all parties time because when you're making those changes to real estate properties or buildings while they're being built that can extend your timeline, so it can be extremely costly," said Annie Morley, the president of the Idaho Virtual Reality Council.Interior designers are also included in the VR equation so that clients can make change to surfaces and colors of their floors and cabinets inside their home with local materials readily available."In a few years I guarantee there won't be a single home designed without virtual reality," Smythe said.  1680

People who aren’t rich or famous typically don’t have prenuptial agreements, which are legal documents detailing who gets what in a divorce. Even ordinary folks without prenups, though, should think about how to protect their money if something goes wrong.Planning for divorce may be cynical, but it’s also smart, San Diego certified financial planner Ginita Wall says.“It’s cynical to put on a seat belt when you pull out of your garage, because you’re planning for an accident,” says Wall, who is also a certified public accountant and the author of several books including “The ABCs of Divorce for Women.” “You want to be safe if that happens, God forbid.”Marital breakups aren’t the only concern. Creditors can come after joint accounts and property if a spouse has unpaid debts or gets sued, says Carl Soranno, a family law attorney in Roseland, New Jersey.“Even if your marriage is strong, or you think it’s strong, there are events that can put pressure on it,” Soranno says.Estate planning also can be easier when at least some assets are kept as separate property. You might trust your spouse to do right by the kids after you’re gone, for example, but can you trust your spouse’s next spouse? Separate property can allow you to better control who inherits after your death.“Separate property,” by the way, is the legal term for assets such as cash, investments and real estate that you owned before you married. It also applies to any gifts or inheritances you receive during marriage.But there are plenty of ways separate property can become marital property if you’re not careful. Depositing an inheritance into a joint account can do it. So can using money from a joint account to pay taxes on separately owned investments or property. State laws vary enormously, so it can be worth consulting an experienced attorney or financial planner to find out the rules that apply in yours, says CFP Shelly-Ann Eweka, a wealth management director with TIAA in Denver.“You want someone familiar with your state laws and your situation to give you advice,” Eweka says.Here are some moves that typically help to protect what you own:Have ‘mine’ and ‘ours’ accounts 2178

PHOENIX — Among the sound of cameras clicking and the sight of several little faces smiling, Marian Laird was overjoyed. She's hoping for several more years of smiles from this bunch. Laird officially became 'Mom' to the last of the crew, little Scotland, 11 months old."It's just very peaceful to know that no one is going to come and take her," said Laird.Scotland was the last of the five biological sisters to be formally adopted by Laird, though she went to live with Laird in January at just 12 days old. The adoption ceremony took place on Saturday, November 17 at Durango Juvenile Court Center as part of National Adoption Day. With food and entertainment, it was an all-out celebration in Phoenix, and a fun time for kids who have had a rough start in life.The pomp and circumstance may feel contradictory because the underlying issue is a national crisis. According to statistics from the U.S. Department of Health and Human Services, there are more than 400,000 kids in foster care across the country. Of that number, there are more than 15,000 in Arizona alone, according to the latest numbers from CASA of Arizona.Baby Scotland's adoption ceremony was just one of several Judge Randall Warner presided over on Saturday. Though the girls no longer have a biological mother, they do have stability and according to Laird, a relationship with extended family."Even though they've been adopted, the grandparents, aunts, uncles and other siblings that haven't been adopted by me can still be a part of their life," she said.Dressed head to toe in similar attire for the special day, they no longer just look like family anymore, they are family.   1693

Parents are considering different options when it comes to school as they manage the pressure of the COVID-19 pandemic.One option is called micro-schooling, which is basically a small school. It could have regular classroom space or operate out of someone's home, using remote curriculums.“Usually there's a theme attached to it, or a certain population they're serving, or they're trying to accomplish something that perhaps isn't getting accomplished in larger schools,” said Dr. Maureen O'Shaughnessy, Executive Director of the Micro-School Coalition.O'Shaughnessy started the Micro-School Coalition. She hopes micro-schools can help ease drop-out rates, making sure no kid falls through the cracks.She says they also allow teachers to build relationships with each student and focus on their passions.“We all thrive when we're seen and heard and valued, and that can't always happen if a teacher has 149 other kids to teach that day,” said O'Shaughnessy.She says parents in the Seattle area have turned to social media with questions about logistics or inclusion. That's also true for a mom in Boston who has created a Facebook group for parents and educators interested in micro-schooling."We want to utilize curriculum that our school system is working very hard to create,” said Jennifer Quadrozzi, who started the Massachusetts "Micro-Schooling" Resource Group. “We by no means are saying that's not good enough for us. We wish, in the perfect world, we could send them back to school and learn what teachers have to learn, but, for various reasons, we are uncomfortable doing that."The Micro-School Coalition offers free information sessions and podcasts if you want to learn more.O'Shaughnessy hopes the conversation on micro-schooling will increase scrutiny of our current system, which she calls outdated. 1825

Philadelphia 76ers president Bryan Colangelo appears to have used multiple Twitter accounts to criticize players and coaches on his own team and release sensitive team information, according to a lengthy report?from?The Ringer on Tuesday night.The Ringer believes the 52-year-old Colangelo, a longtime basketball executive who has also held jobs with the Phoenix Suns and the Toronto Raptors, may have used up to five fake Twitter accounts to criticize his team's own players — including 2018 NBA All-Star Joel Embiid — debate his own coaching staff's decisions and reveal confidential team information."In February, The Ringer received an anonymous tip that Bryan Colangelo ... had been secretly operating five Twitter accounts," The Ringer's Ben Detrick wrote. Detrick added The Ringer has since "scrutinized and archived those accounts in an attempt to verify the source's claims."Colangelo, the son of former Phoenix Suns and Arizona Diamondbacks owner Jerry Colangelo, served as the Suns' general manager from 1995-2006 and was the 2005 NBA Executive of the Year. He resigned as Suns GM and became president and GM of the Toronto Raptors in 2006, two years after his father sold the Suns to current owner Robert Sarver. Colangelo went on to win the NBA Executive of the Year award with the Raptors in 2007.Colangelo was relieved of his role as Raptors GM in 2013 and soon resigned from his role as team president, as well. In 2016, he was hired as the 76ers' president of basketball operations.After The Ringer published its report, Colangelo admitted to operating one of the accounts but denied being behind the others."Like many of my colleagues in sports, I have used social media as a means to keep up with the news," Colangelo told The Ringer in a statement. "While I have never posted anything whatsoever on social media, I have used the @Phila1234567 Twitter account referenced in this story to monitor our industry and other current events. This storyline is disturbing to me on many levels, as I am not familiar with any of the other accounts that have been brought to my attention, nor do I know who is behind them or what their motives may be in using them."Embiid told ESPN's Adrian Wojnarowski that Colangelo called him Tuesday night to deny the tweets were from him."Maybe there's an IT person who can prove it wasn't Bryan Colangelo, but here's one of his biggest problems in disputing Ringer story: Those tweets reflected not only private team (business), but launched personal beefs/jealousies/frustrations that he's shared inside and outside 76ers," Wojnarowski tweeted. "Nevertheless, Colangelo is denying he is responsible for those tweets and many league executives seem to believe this: It is hard to fathom a GM risking his job in such a reckless manner. Many are giving him the benefit of the doubt on that level alone. It just doesn't add up." 2976