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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

Black people were nearly four times more likely than white people to be hospitalized with COVID-19 among people with Medicare, the government said Monday.The analysis from the federal Centers for Medicare and Medicaid Services also found that having advanced kidney disease was an even more severe risk indicator for hospitalization than race, ethnicity, or being poor.“It reconfirms long-standing issues around disparities and vulnerable populations,” said Medicare administrator Seema Verma, adding that “race and ethnicity are far from the only story.″Medicare’s analysis confirms what The Associated Press and other media organizations have previously reported about African Americans and Latinos bearing the brunt of the pandemic, while adding new details.The group covered by Medicare is considered the most vulnerable to the coronavirus. Most of its 60 million enrollees are age 65 and older. Also covered are younger people who qualify because of disabilities.From Jan. 1-May 16, more than 325,000 Medicare recipients were diagnosed with COVID-19, and nearly 110,000 were hospitalized, according to the analysis of claims data. Medicare spent .9 billion for hospital care, an average of about ,000 per case for people enrolled in the traditional fee-for-service part of the program.The analysis found that:— Black people with Medicare were hospitalized at a rate of 465 per 100,000 enrollees, or nearly four times the rate for whites, which was 123 per 100,000.— The rate for Hispanics was 258 per 100,000, or about twice the rate of whites. Asians were about one-and-a-half times more likely than whites to be hospitalized for COVID-19.— Low-income Medicare recipients who are also covered by their state Medicaid programs had a hospitalization rate that was slightly higher than the rate for African Americans.— There were fewer COVID-19 cases and hospitalizations among Medicare recipients in rural areas, when compared to cities and suburbs.But all in all, having advanced kidney disease was by far the biggest risk factor, the study found. People whose kidneys have stopped working to the point where they can’t live without dialysis or a transplant had a hospitalization rate of 1,341 per 100,000, or nearly three times higher than the rates for low-income beneficiaries and African-Americans.Verma said this may reflect the fact that people with advanced kidney disease generally also suffer from other medical problems that worsen COVID-19 outcomes, such as diabetes. Patients typically have to travel to a special facility to get dialysis, and the treatment can bring them together with others who may have been exposed.Medical problems such as high blood pressure and heart conditions also tend to be more prevalent among Blacks and Latinos, increasing their risks for severe coronavirus infections.Taken together, the Medicare data call for a greater focus on social conditions that contribute to poor health, Verma said, as well as continuing to expand coordinated care for patients trying to cope with several chronic conditions at a time.The Medicare data released Monday lack complete information about deaths, since they only record those who passed away in a hospital. 3206

BAY VILLAGE, Ohio — A priest in Bay Village says someone called police about a homeless person sleeping on a bench. It turns out it was actually a statue of Jesus.The sculpture was created by Timothy Schmalz, and depicts Jesus wrapped in a blanket and lying on a bench.Within 20 minutes of the sculpture's installation at St. Barnabas Episcopal Church, police were called, according to the church's pastor, Alex Martin. He tweeted that an officer told him someone had called to report a homeless person sleeping on a park bench.Scripps station WEWS in Cleveland reached out to Bay Village police, who have not yet responded to a request for more information.According to the church's website, because Bay Village isn't impacted much by poverty, the statue is meant to remind residents how serious homelessness is in the world.The temporary installment will be on display until Dec. 1.The church is currently raising money to try and help the homeless. Martin says those interested in donating can do so here. 1016

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

BOULDER, Colo. -- Officers across the country are getting backlash after the deaths of George Floyd and others at the hands of law enforcement. One officer wants people know there’s a human behind each badge and says now is a time for everyone to come together."To those of you who don't know me, I’m Vinnie Montez, a third generation Mexican American born in Boulder, Colorado," is how Montez starts his now viral video.In the video Montez, a Patrol Commander for the Boulder County Sheriff's Office, states "for the first time in my life, I’m deeply hurt because I have concluded people don’t think much of law enforcement."Vinnie Montez wears a badge and uniform to work, but he said those symbols don't define or speak for him.The commander with the sheriff's office also happens to be a stand-up comedian. His latest material is more commentary than comedy.His five-minute video has been viewed more than 1.3 million times since June 21."It’s really humbled me to be a voice, to create something from our perspective that is not intended to offend anyone, but just share our perspective and encourage people to get to know local law enforcement," Montez said of the post's meteoric views.That perspective includes the dark parts of the job we often don't see. Montez gets personal in his essay. He alludes to several difficult experiences from his law enforcement career."Do you know what it’s like to give CPR to a 17-year-old kid? To be covered in blood, to do everything you can to save his life but then die?" Montez asks in his video. "To go on those calls and try to remove that pain later on, it’s hard after the course of a career. I’m not the only one."Montez hopes his message will encourage communication from both law enforcement and those who they protect during this time of civil unrest. 1815