宜宾隆鼻哪家比较好(宜宾怎样能祛斑) (今日更新中)

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

BLOOMINGTON, Minn. (AP) — The FBI is investigating after a piece of rope resembling a noose was found in a Black firefighter's locker in the Minneapolis suburb of Bloomington. An FBI spokesman confirmed Saturday the bureau is investigating and said that the case is in its initial stages. Bloomington officials had asked the FBI to investigate. Officials say that the rope was tied into what appears to be a crude noose and was discovered at a Bloomington fire station on June 15. The discovery was reported to Fire Department leaders eight days later, on Tuesday. The fire chief says such acts that “embody hate, intimidation, and aggression will not be tolerated.” Mayor Tim Busse says he's “disgusted, angry, and embarrassed by this cowardly act.” 758

BENTONVILLE, Ark. – Walmart announced Wednesday that it has revamped its Black Friday plans to help provide a safer and more convenient shopping experience amid the coronavirus pandemic.The retail giant says it will spread out its Black Friday savings from one single day to three different events throughout November to bring customers “Black Friday Deals for Days.”The company says each savings event will begin online at Walmart.com and continue in Walmart stores three days later.Event 1Deals for the first event begin online on Nov. 4 at 7 p.m. ET, with new deals in stores starting on Nov. 7 at 5 a.m. local time. New deals will also go live at Walmart.com on Nov. 7 at 12 a.m. ET.The first deals will be on toys, electronics and home products.Walmart will also hold its annual tire event in-stores and online Nov. 7-13, where customers will receive off per tire and free lifetime balance service from its Walmart Auto Care Centers for all modular Goodyear branded tires.Event 2Deals for the second event will begin online at Walmart.com on Nov. 11 at 7 p.m. ET with new deals at Walmart.com on Nov. 14 at 12 a.m. ET and in stores starting at 5 a.m. local time.The second event will offer deals on electronics, like TVs, computers and tablets.“Amazing savings on movies, music and items in apparel, hardlines, home and more will also be available,” Walmart said.Walmart will also host its biggest wireless phone event ever in-stores and online on Nov. 14 with deals on iPhones and Samsung phones.Event 3For the third and final event, deals will first be offered at Walmart.com on Nov. 25 at 7 p.m. ET. New deals will be available at Walmart.com at 12 a.m. ET and in stores at 5 a.m. local time on Nov. 27.Walmart says will wrap up the month of savings by offering deals on more electronics, toys and gifts across apparel and home, as well as seasonal décor favorites.Additional detailsTo help provide a safer shopping experience, Walmart says all of its stores will open at 5 a.m. local time on Black Friday in-store event days.Customers will form a single, straight line to enter the store and workers will hand out sanitized shopping carts to shoppers to help with social distancing.During the in-store Black Friday events, Walmart says it will meter customers into stores to help reduce congestion and promote social distancing inside. Customers will also be directed to shop down the right-hand side of aisles.This year, customers will also have the option to pick up their online Black Friday order through Walmart’s contact-free curbside pickup service. 2577

Being home more during the pandemic, and with less traffic on the roads from stay-at-home orders, many people have heard more bird calls and the sounds of nature in urban areas. Scientists now say at least one bird species has been able to adjust their bird song because of the lack of human noise to compete with.Researchers have been studying the white-crowned sparrows in and around San Francisco for more than two decades. They compare their songs in recent years with recordings made in the 1970s.They found as traffic levels increased over the decades, the lowest frequencies of the sparrows’ song rose. This allowed their song to be heard above the low hum of vehicles. The top frequencies remained the same, so the total frequency bandwidth of their communication was narrowed.Degrading their songs this way, and limiting their range, makes them less effective at deterring rivals, attracting mates, or hearing their own chicks, according to researchers. In noisy environments, birds have to sing louder, which research has shown can result in stress and can speed up a bird’s aging and disrupt their metabolisms.When stay-at-home orders and coronavirus pandemic safety measures were put in place in March, the lead researcher, Elizabeth Derryberry, remembers seeing an image of the Golden Gate Bridge in San Francisco completely empty of cars or humans. She wondered how the sparrows were responding.They compared audio recordings of the bird songs from spring 2015 and 2016, to those taken this spring. The recordings were made in a variety of urban and rural locations around the greater San Francisco area.“We found that birds sung at lower minimum frequencies, achieving greater bandwidth songs in newly open acoustic space. An increase in frequency bandwidth results in the transmission of more information and greater vocal performance,” the study states.The samples taken in 2020 revealed the white-crowned sparrows had changed their tune, so-to-speak, and were singing softer and using a wider range of frequencies. They also were able to communicate twice as far as previous recordings.“This doubling in communication distance could elevate fitness by reducing territorial conflicts and increasing mating potential,” researchers stated.Researchers also say this explains why more people report hearing birds during the pandemic. Since the songs are traveling farther distances, humans are able to hear more of them.They also say the changes in the birds’ songs were more pronounced in urban areas compared to the rural location samples. This would make sense, they say, because the traffic noise did not change as drastically in the rural locations during the pandemic.“Our findings indicate that songbirds like white-crowned sparrows have a striking capacity to exploit newly empty soundscapes following acute but ephemeral amelioration of noise pollution, suggesting that lasting remediation might engender even more promising outcomes, such as demographic recovery and higher species diversity in urban areas,” they concluded. 3055

Bicycle injury accidents have ticked up in the city of San Diego this year, as the city has seen thousands of dockless bikes appear across its neighborhoods since January.New city data shows that there were 130 injury accidents involving bicyclists through May 1, 2018, up from 102 in the same period of 2017.A San Diego Police spokesman said it would take more research to determine whether the uptick is related to dockless bikes. However, the data shows that some parts of the city are seeing fewer incidents, while others are seeing more. Hillcrest, for instance, has seen improvement. By May 1, 2017, there were already seven injury accidents in the heart of the neighborhood. This year there have not been any.However, there has been an increase on Mission Boulevard along the coast, which has no bike lane and can get narrow. In 2017, there was just one injury accident on the boulevard. Through May 1, that number was up to six. Claire Mathena, who lives in Hillcrest, said she can't afford a car but the dockless bikes help her get around."Everyone's in a hurry, I just don't think people are paying attention. I just don't think it has anything to do with the dockless bikes," she said. Meanwhile, others, like Stephan Vance, choose to commute daily by bike. He rides from Ocean Beach to his job at the San Diego Association of Governments. "Don't do anything you wouldn't do if you were driving driving a car," he said, noting some key tips are to ride with traffic on the ride side of the road, be predictable, and always signal.Thursday is bike to work day, with SANDAG hosting a series of pit stops and events along hundreds of miles of bikeways in the region.  1723

来源：资阳报