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Your Money: What you need to know about naming an executor

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These Are Portraits Of Bruce Helmer And Peg Webb, Financial Advisers At Wealth Enhancement Group And Pioneer Press Business Columnists

An executor is the person whom you name to handle the settlement of your estate after you die, taking your estate through probate, a court-supervised process that winds up your affairs in the state where you were living at the time of your death.

Bruce Helmer and Peg Webb

Typically, the executor is a spouse or close family member, but you may want to name a professional executor, such as a bank, attorney or professional trustee at a trust company. In any case, an executor has a fiduciary duty to be honest, impartial and financially responsible, and should be someone whom you trust to carry out your wishes as stated in your will. Don’t forget to name one or two backup executors in case the primary executor rejects the job.


In order for the court to accept your appointed executor, you will need to name that person in your will. If your executor meets your state’s legal requirements and is otherwise fit to serve, the court generally approves the application. Your executor’s duties may include:

• Finding and collecting your assets, including outstanding debts owed to you

• Inventorying and appraising your assets

• Giving notice to your creditors (e.g., credit card companies, banks, retail stores)

• Filing an estate tax return and paying estate taxes, if any

• Paying any debts or other taxes

• Distributing your assets according to your will and the law

• Providing a detailed report of how the estate was settled to the court and all interested parties

If you don’t name an executor in your will, or if the executor can’t serve for some reason, or if you die without a will, the court will appoint an administrator to settle your estate.

In addition, managing an estate can be a lot of work, and it’s fair and reasonable to compensate an executor for their efforts. You may decide to leave them a percentage of your assets as part of your will; customarily this can range between 1% and 5% of the value of your estate.


To make your executor’s life easier, it’s a good idea to assemble records showing where your assets and liabilities reside, as well as a contact list for the advisers who have direct knowledge of your affairs. Having updated balance sheets and cash flow statements are invaluable, as well as an asset inventory prepared by your financial adviser. It’s also helpful to have a spreadsheet listing all of your financial accounts, online account logins, along with the contact information for your attorney, financial adviser and tax preparer.

Be sure to include any beneficiary-directed workplace retirement plan such as a 401(k) or 403(b) plan, IRAs, and life insurance policies. And it’s a good idea to flag any assets without a beneficiary designation, such as vehicles, cash in a savings account, savings bonds, stock certificates, valuables and other possessions. Leaving clear instructions regarding how you wish these assets to be distributed among your heirs, such as completing payable on death (POD) forms at your bank, will make your estate settlement process go much smoother for your executor. Review these beneficiary designations regularly to ensure they still reflect your wishes.

Finally, if your estate contains a trust, you will want to be sure that your appointed executor is willing to carry out the terms of the trust, as often they can reflect complex arrangements for managing assets for the benefit of another individual. Make sure your executor reads the trust document before they commit to serving as trustee.


Generally, taxes must be filed for the deceased in the year of death. But the issue of taxes often will arise more broadly from beneficiaries asking about estate taxes and taxes on distributions. Unless you happen to also be the beneficiaries’ tax adviser, you should recommend that they talk to their tax professional to understand the tax implications of their inheritance.

You may get questions about estate taxes. For an estate to be subject to federal estate tax, it needs to exceed $12.06 million for a single individual or $24.12 million for a married couple. But many states have their own estate or inheritance tax laws with much lower thresholds — $3 million in Minnesota and $5 million in Maryland, for examples.

Other tax questions that may come up include how inherited IRA, annuity distributions and capital gains are taxed, including whether the asset in question received a step-up in basis. Because tax issues get complicated quickly, you’ll want to consult your tax adviser and should recommend that beneficiaries do the same.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Wealth Enhancement Group does not offer tax or legal advice. 

Bruce Helmer and Peg Webb are financial advisers at Wealth Enhancement Group and co-hosts of “Your Money” on KLKS 100.1 FM on Sunday mornings. Email Bruce and Peg at [email protected] Securities offered through LPL Financial, member FINRA/SIPC. Advisory services offered through Wealth Enhancement Advisory Services, LLC, a registered investment advisor. Wealth Enhancement Group and Wealth Enhancement Advisory Services are separate entities from LPL Financial.





‘Birthday candles rigged:’ Firefighters share safety concerns over electric vehicle battery fires

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'Birthday Candles Rigged:' Firefighters Share Safety Concerns Over Electric Vehicle Battery Fires

Fire department officials are raising awareness of the dangers of electric vehicle battery fires, calling on regulators to tighten electric vehicle safety standards for emergency responders. A fire department chief has called electric cars “misleading birthday candles” because of their tendency to reignite even after the fire is extinguished.

The regulatory review reports on the dangers of electric vehicle battery fires, which behave very differently from traditional car fires. A fire department chief said EVs that catch fire are “misleading birthday candles”, due to their tendency to reignite even after the fire appears to be extinguished.

Tesla car fire in Canada (Sons of Vancouver Distillery/YouTube)

Tesla Crash And Fire In Mountain View, Calif., Under Investigation By Ntsb

The Tesla crash and fire in Mountain View, Calif., is under investigation by the NTSB (Twitter/Dean C. Smith)

After a Tesla vehicle crashed in Mountain View, California, firefighters spent five hours battling the vehicle fire. Firefighters extinguished the flames and sent the car to an impound lot where the car quickly reignited. Five days later, the car caught fire again. Fire protection experts are now criticizing the lack of U.S. safety regulations aimed at preparing firefighters to handle these blazes.

Electric vehicles use high-voltage lithium-ion batteries to operate, which can often lead to dangerously high temperatures if the cars catch fire. Emergency responders are also at risk of electrocution from damaged lithium batteries when handling electric vehicles during a fire.

The National Transportation Safety Board (NTSB) recently said that emergency response guides are inadequate, especially for electric vehicles. The NTSB found that half of all U.S. fire departments are unprepared to handle electric vehicle fires and nearly a third of fire departments have no specific training for electric vehicles or cars. hybrids that catch fire.

In June, Breitbart News reported that a Tesla vehicle fire took 4,500 gallons of water to extinguish. In May, firefighters in Vancouver, Canada, began investigating a car fire involving a Tesla after an electrical malfunction caused the vehicle’s doors to lock, trapping the driver inside as smoke began to seep through the vents. The driver smashed a window to escape. In July, a Tesla Model S Plaid caught fire outside Philadelphia, trapping the owner inside after electronically activated doors refused to open, attorneys for the car owner claim. The driver escaped from the Tesla, but the fire took firefighters more than two hours to extinguish.

On a larger scale, Breitbart News recently reported on an electric bus fire that became a raging inferno with no accident or other damage to the vehicle.

“Officials said the fire was difficult to extinguish due to the thermochemical process that produces great heat and continually reignites,” the outlet reported.

Deputy Fire Chief Jeffrey Naples noted that firefighters had to use “profuse” amounts of water to douse the flames.

“Lithium-ion battery fires are difficult to extinguish due to the thermochemical process that produces great heat and continually reignites,” firefighters told the New Haven Register. “The exhibits were protected at the scene.”

Two CT Transit workers were hospitalized as a precaution after being exposed to the smoke. Additionally, two firefighters were also taken to hospital for treatment for heat exhaustion.

Learn more about regulatory review here.

Lucas Nolan is a reporter for Breitbart News covering free speech and online censorship issues. Follow him on Twitter @LucasNolan

Breitbart News

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Elon Musk caused a stir when he tweeted he was buying English football team Manchester United

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Elon Musk Caused A Stir When He Tweeted He Was Buying English Football Team Manchester United

LONDON — Elon Musk caused a stir by tweeting that he was buying English football team Manchester United – whose current owners are opposed by many fans – then saying several hours later it was a joke.

It comes as Tesla’s billionaire CEO faces a legal battle in the US after walking away from a deal to buy Twitter for $44 billion. He is a prolific user of the platform, often mulling over social issues or joking with his 103 million followers and occasionally getting in trouble with US regulators.

Early Wednesday, Musk sent out a tweet about his political affiliations, then added in a second tweet: “Also I’m buying Manchester United, you’re welcome.”

This has been shocking news to the world of Manchester United – although welcome to many – after nearly a decade of lackluster performance.

Asked by a follower if he was serious, Musk later tweeted, “No, that’s a longtime joke on Twitter. I don’t buy any sports teams.”

This wasn’t Musk’s first joke about buying a popular franchise. In April, he tweeted, “Then I’m buying Coca-Cola to put the cocaine back in.” He noted in the Manchester United thread that the Coca-Cola tweet had also been a joke.

Musk previously breached the U.S. Securities and Exchange Commission over tweets claiming he had the funds to take Tesla private in 2018, which sent the electric vehicle maker’s stock price skyrocketing. This led to a securities fraud settlement requiring his tweets to be cleared by a Tesla attorney before being published.

He now faces further legal issues over the deal to buy Twitter he brokered in April. Musk sold about $8.5 billion worth of Tesla stock to help fund the purchase and lined up a diverse group of other investors to back him.

The deal fell apart last month after Musk said Twitter refused to provide him with enough information about the number of fake accounts on the platform. Twitter could have tried to get him to pay a $1 billion severance fee which he agreed to, but is instead suing to force him to complete the purchase. The case is expected to go to trial in Delaware in October.

Musk, with his seemingly limitless potential to buy the best football players in the world, would have been a welcome prospect for many Man United fans who want to see the club back at the top of the game.

Man United were arguably the greatest team in world football under Alex Ferguson’s management, winning 13 Premier League titles and two Champions League trophies. But since Ferguson’s retirement in 2013, the team has struggled to win trophies.

Last season United finished 35 points behind champions Manchester City – the club’s local rivals – and there were protests against the Glazer family, the team’s American owners.

Many supporters of the club’s huge international fanbase have opposed the Glazers since they took over in 2005, in part because they financed the takeover by putting the club into debt for the first time in decades. .

The latest low came on Saturday when United lost 4-0 to Brentford, a small west London side who won promotion to the Premier League in 2021. It was United’s second successive defeat to open the season, the leaving in last place the 20- first league team.

Manchester United Supporters’ Trust, known as MUST, condemned the owners after last weekend’s game.

“What we witnessed tonight is an embarrassment – no, a humiliation – for Manchester United fans. And yet, in many ways, it was no surprise. It feels like the culmination of a long-term direction,” the fan club said. in a report. “MUST hold the owners of the Club primarily responsible for this new low in our decade of decline.”

Copyright © 2022 by The Associated Press. All rights reserved.


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Heat regular-season schedule includes game in Mexico City, team’s second visit there in five years

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Heat Regular-Season Schedule Includes Game In Mexico City, Team’s Second Visit There In Five Years

There will be a south-of-the-border element for the Miami Heat, the NBA confirmed Wednesday.

The Heat, are scheduled for a Dec. 17 game in Mexico City, one that will count against the San Antonio Spurs’ home schedule and be televised nationally on NBA TV.

It will be the Heat’s first regular-season game outside of the United States or Canada since defeating the Brooklyn Nets 101-89 on Dec. 9, 2017 in front of a listed 19,777 in Mexico City.

The game at Mexico City Arena is part of the Spurs’ expansion beyond their AT&T Center home, with the Spurs also to play two games this season in Austin, Texas, as well as one at the downtown Alamodome.

For the Heat, the game will come in place of their annually scheduled regular-season trip to San Antonio. Last season’s Heat visit to San Antonio had to be rescheduled due to the pandemic, when the Heat could not field the required eight players in uniform. The Heat swept last season’s two-game series from the Spurs.

During the Heat’s 2017 trip to Mexico City, then Heat-guard Dion Waiters said, “I just found out it was actually bigger than New York. That’s crazy.

“I’ll tell you one thing, the cars don’t stop. It’s worse than New York. It’s crazy.”

Of that 2017 game, Heat coach Erik Spoelstra said at the time, “I was pleasantly surprised walking around and seeing NBA games on the TV everywhere we went, and the fans recognized us. It felt like we were in Miami.”

That 2017 game in Mexico City came three months after a 7.1 magnitude earthquake hit the city, requiring an NBA site inspection ahead of the meetings with the Nets.

It again will put the Heat at extreme elevation, Mexico City is 7,350 feet above sea level. The NBA’s highest elevation is Denver, at 5,280.

“It feels like we played two games,” then-Heat guard Goran Dragic said after that 2017 exhibition.

In 2013, a game between the Spurs and Minnesota Timberwolves in Mexico City had to be postponed due to smoke filling the arena from a generator malfunction.

Last month, in the Arboledas Park area of Mexico City, NBA Mexico designed local courts with a mural that included a section with a painting of Heat mascot Burnie.

The NBA is returning to international games this season and this preseason after a break due to the pandemic. The last regular-season NBA game in Mexico came in 2019, between the Spurs and Phoenix Suns.

The NBA already has announced preseason games on Oct. 6 and Oct. 8 between the Atlanta Hawks and Milwaukee Bucks in Abu Dhabi in the United Arab Emirates.

The league also will stage a regular-season game between the Chicago Bulls and Detroit Pistons in Paris on Jan. 19.

The NBA’s first game outside of the United States or Canada was a 1984 exhibition between the Suns and New Jersey Nets. The first international regular-season game was in Tokyo in 1990, between the Suns and Utah Jazz.

Among other international venues for Heat games (all exhibitions) have been Nassau, Bahamas; San Juan, Puerto Rico; Tel Aviv; Santo Domingo, Dominican Republic; Paris, London; Beijing; Shanghai and Rio De Janeiro. The Heat do not have an international exhibition this year.

In a release issued Wednesday, ahead of the 3 p.m. release of the full 2022-23 NBA schedule, the NBA said:

“The National Basketball Association (NBA) and Zignia today announced that the five-time NBA champion San Antonio Spurs and the three-time NBA champion Miami Heat will play a regular-season game at the Arena CDMX in Mexico City on Saturday, Dec. 17, marking the first NBA Mexico City Game since 2019 and the league’s 31st game in Mexico overall, more than any country outside the U.S. and Canada. The NBA and Zignia will continue to collaborate on future NBA initiatives in Mexico over the next several years.”

Tickets for The NBA Mexico City Game 2022 will go on sale at a later date. Beginning today and through Saturday, Sept. 3, fans interested in attending the game can register their interest in tickets and receive access to an exclusive ticket pre-sale by visiting


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Black English is being misidentified as internet slang, speakers say

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Black English Is Being Misidentified As Internet Slang, Speakers Say
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One of the hardest transitions Kyla Jenée Lacey has endured in her life was when her family moved from Chicago to Winter Springs, Florida. a predominantly white town about 30 minutes north of Orlando.

At age 9, for the first time in her life, Lacey realized what it meant to be a racial minority in America. From then on, she was one of the few black students in her classes, she said, and her skin color has become an obstacle to her integration. She felt like the token black girl – and she quickly realized that speaking Vernacular African American English (AAVE) to his white classmates would only question his intelligence.

“For me, it was a lot of survival involved in my socialization because I didn’t feel accepted by other black kids, and I didn’t feel accepted by white kids,” she said.

But outside the boundaries of the school, the black tongue was his refuge. As bilingual kids, she bounced between AAVE and standard English. When she was at home speaking AAVE, she didn’t need to impress anyone; she felt most herself and connected to her heritage, she said.

AAVE, also known as African American English (AAE), African American Language (AAL), Black English, or Ebony, is a style of English often spoken in Black American homes. Linguists don’t know how Black English originated, but they believe it may have originated from West African or Creole languages. Just like these forms of speech, AAVE serves as a communication between people with a common culture.

According to Deandre Miles-Hercules, a doctoral student at the University of California, Santa Barbara, the language was created by enslaved black people living in the South, separated from their home country and language. As Black Americans moved north and west during the Great Migration, they took the language with them, and each region created slightly different versions of Black English over time.

How America Developed Two Sign Languages ​​- One White, One Black

For Lacey, it wasn’t until she attended school at the University of Central Florida in the early 2000s, surrounded by all-black roommates and more black people, that she began to dispel the idea. that his humanity would never be as validated as his White counterparts. She no longer had to blend in or prove herself to people who would look down on her for speaking AAVE, she said.

So when she started seeing non-black people disrespecting AAVE in virtual spaces more recently, she was in a rush. It annoyed him, for example, to see subtitles added to broadcast newsmagazines when black interviewees spoke coherently. She also hated how the language had been weaponized online by non-black people to imply an aggressive tone, and how non-native AAVE speakers sometimes mispronounced black English words because they had only seen them. typed on a screen.

“I know the words have different meanings in different groups,” she said. “You can’t take very ingrained black language, an absolute staple of black language, and say, because there’s confusion on Twitter, we’re not allowed to use our words.”

As Gen Z influencers and black artists continue to shape the internet landscape, from viral memes to TikTok dances, AAVE has appeared in more online spaces. But some black AAVE speakers believe the language has been misidentified as new vocabulary started by young people – and they have been calling on non-blacks to glorify internet stars who slaughter speech and fail to understand the cultural significance of language.

Language uncovers the evolution of a speaker’s history, geography and culture, Miles-Hercule said. While AAVE lands in the laps of people who didn’t grow up speaking it, those who try and fail to use it properly may be considered ignorant by black communities. At worst, they are seen as appropriating black culture and perpetuating racism as they attack black speech without taking on the struggle of black Americans, the speakers say.

Amoura Monroe, a 20-year-old living in Los Angeles argues that a big part of the problem comes when the language is misattributed to Gen Z lingo, stan culture, or internet slang.

For example, “Gen Z Hospital,” a skit from “Saturday Night Live,” was meant to poke fun at the way young people talk. But like Monroe and others Twitter users noted, many words, such as “tea” and “pressed”, were actually derived from AAVE. (NBCUniversal did not immediately respond to a request for comment.)

“It takes away the significance,” Monroe said of using AAVE for comedy. “Black people are ridiculed for this. … They laugh at them and people stereotype us for talking that way.

Words such as “kill,” “period,” “extra,” and “cap” take on slightly different meanings in the context of AAVE, which many non-native speakers are unable to fully grasp, Monroe added.

Monroe said she was also bothered by celebrities trying to speak AAVE. These non-black people speak it as a form of entertainment, “giving them a black caricature in a way, kind of like a minstrel show,” Monroe said. Meanwhile, she added, black people are denigrated and told they speak badly when using it.

Recently, song lyrics including AAVE were at the center of the debate. In June, a The social media storm has led singer-songwriter Lizzo to change the lyrics of his song ‘Grrrls’ after disability advocates pointed out that a word in its original version, ‘spaz’, is seen as an ableist insult. The word has been used to denigrate people with disabilities who suffer from spasms, including those with cerebral palsy or spinal muscular atrophy.

Beyoncé has used the slur ‘ableist’ in a new song. After the outcry, she deletes it.

Then, in August, Beyoncé announced she would drop the same word from “Heated,” a song from her latest album, “Renaissance.”

Some AAVE speakers have defended black artists, saying the word has another meaning — to go wild — and that its use in “Grrrls” and “Heated” was not meant to offend.

“Lizzo let WHITE people bully her into not using AAVE in her song,” said a fan tweeted. “Black people have been using ‘spazz’ for decades and it has nothing to do with making fun of people with disabilities.”

Others disagreed: “The word is an insult. Let it go and leave some compassion for the people who have been hurt by that word instead,” said one black autistic man. wrote.

Dilemmas such as those of Lizzo and Beyoncé reveal the conflicts that have arisen as AAVE becomes more mainstream in pop culture, especially through song lyrics and social media posts.

How Iggy Azalea mastered his ‘blaccent’

AAVE speakers have also criticized what they see as the hypocrisy of non-black people on the internet who monitor language use while profiting from various aspects of black life.

According to Jamaal Muwwakkil, also a doctoral student at UC Santa Barbara, non-black people often gain social capital when they use black language and culture: “When we think about social media and entertainment, the economic capital that people derive from the appropriation of black language, fashion, etc., in many ways replaces the loss of economic capital…of our literal bodies in movable slavery.

Black speakers point up the memification of Sweet Brown – who said “No one has time for that” in a 2012 Oklahoma City TV report – as evidence of how the use of black language can elevate the social status of a person. The viral clip led to Brown’s multiple TV appearances and film role.

However, Muwwakkil said, without the known historical and cultural context of native speakers, AAE is vulnerable to distortion online.

Is there a DC dialect? It’s a topic that locals are “cisified” enough to discuss.

The terminology used to describe Black English is also controversial. Muwwakkil disapproves of the use of the term AAVE and prefers African American English, as he believes speech and gestures are not a different language, vernacular or dialect.

He also takes issue with the term code-switching, or switching between two languages, which he says is disproportionately applied to black people and implies that African-American English has less legitimacy than standard English. Everyone changes the way they speak depending on their relationship to the person and the setting they’re conversing in, he said, and different ways of speaking should be equally acceptable, a concept called “code meshing.” .

Several years removed from her high school days, Lacey said she always switches from Black English to Standard English to avoid discrimination, although she wishes she didn’t feel the need to.

But she also sees refusing to talk about it around white people as a form of control, she said: “AAVE is the closest thing we have to a cultural secret.”

Despite what some black speakers view as misuse and scrutiny of the language, they believe it will continue to thrive as a bastion of black culture – and that it will continue to evolve as black people intend it.

As Muwwakkil said, “There will never be a way of ceasing to be the creative force that has always been part of black language and culture.


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Man arrested after gunshots outside Prior Lake home

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Man Arrested After Gunshots Outside Prior Lake Home

LAKE FRONT, Minnesota — Prior Lake police say a man was arrested and no one was injured after shots were fired outside a home early Wednesday.

Multiple 911 calls about gunshots brought officers to the 3600 block of Willow Beach Street Southwest just before 2:30 a.m., the Prior Lake Police Department said.

Police said they saw “activity in the yard outside the house” and heard more gunshots nearby.

Officers arrested a man and recovered a handgun.

Police said there was no threat to the public.


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Aaron Rodgers laments Packers training camp mistakes: ‘Simple plays, we get it wrong’

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Aaron Rodgers Laments Packers Training Camp Mistakes: 'Simple Plays, We Get It Wrong'

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NFL preseason and training camp are the best ways to hone offense, but for a four-time NFL MVP like Aaron Rodgers, patience can certainly run out.

The Green Bay Packers and New Orleans Saints faced off in joint workouts. While the defense had looked solid, Rodgers lamented the offense’s errors.

“A lot of mental errors, a lot of pre-snap penalties,” the Packers star said Tuesday. “It was kind of the camp theme. Simple, simple games that we miss.”


Aaron Rodgers of the Green Bay Packers conducts a drill prior to a joint NFL football workout with the New Orleans Saints on Tuesday August 16, 2022 in Green Bay, Wisconsin.
(AP Photo/Morry Gash)

The Packers traded Davante Adams to the Las Vegas Raiders and lost Marquez Valdes-Scantling to the Kansas City Chiefs, not to mention offensive coordinator Nathaniel Hackett who took over as head coach of the Denver Broncos.

Green Bay added Sammy Watkins and selected Christian Watson, Romeo Doubs and Samori Toure in the draft. Allen Lazard, Randall Cobb and Amari Rodgers are also back.

However, as the Packers prepare, Rodgers has openly said the mistakes have to stop.


“It’s some of the same guys unfortunately. Repeated mistakes (are) a problem, so we just have to clean those things up a bit. Young guys, especially young receivers, we have to be a lot more consistent. Lots of falls, lots of wrong route decisions, taking the wrong route. We need to improve in this area. But I felt like the line held up pretty well, which was good to see.” Rodgers added.

Aaron Rodgers Of The Green Bay Packers Gestures Before A Joint Nfl Football Practice Session With The New Orleans Saints On Tuesday August 16, 2022 In Green Bay, Wisconsin.

Aaron Rodgers of the Green Bay Packers gestures before a joint NFL football practice session with the New Orleans Saints on Tuesday August 16, 2022 in Green Bay, Wisconsin.
(AP Photo/Morry Gash)

“I mean there’s definitely some guys that you feel really good with. Obviously I can play Cobby (Randall Cobb) in my sleep. And when he’s healthy, he’s the first receiver of league slots. I feel, especially after today, better with Sammy. And then there are a lot of opportunities after that.

The Saints defense is not to be overlooked and is probably the perfect team to train against in preparation for the season.

New Orleans Saints Head Coach Dennis Allen Watches A Drill Prior To An Nfl Football Joint Practice Session With The Green Bay Packers On Tuesday August 16, 2022 In Green Bay, Wisconsin.

New Orleans Saints head coach Dennis Allen watches a drill prior to an NFL football joint practice session with the Green Bay Packers on Tuesday August 16, 2022 in Green Bay, Wisconsin.
(AP Photo/Morry Gash)


The New Orleans defense was fourth in points allowed and seventh in yards allowed. The Saints beat the Packers 38-3 in last season’s opener. They shot Rodgers twice and fired him once.

The Associated Press contributed to this report.


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