Here's what happens with your stuff after you die

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“In this world nothing can be said to be certain, except death and taxes,” Benjamin Franklin once wrote in a letter.

Unfortunately, those words are just as true today as they were in the 1700s.

Worse, sometimes the two come as a package deal.

After all, when someone dies, their family members must go through a lengthy series of tax, financial, and legal steps in order to sort out the affairs of the deceased.

With the help of Levenfeld Pearlstein trusts and estates associate Adam Garber, Business Insider put together a guide to many of the hurdles that surviving relatives will certainly face. Take a look below.

And just so we’re being clear, this article is not a comprehensive list of what to do after someone’s death. Contact your legal, financial, and tax adviser or advisers for advice catered to your specific situation. Also, some legal language was simplified for clarity.

It will be necessary to determine whether or not there is a will.

If there’s a will, the executor will be named in the will. In lay-person English, their job is to administer the process by which assets are transferred, including paying the deceased’s debts, filing their income-tax returns, and distributing any remaining assets according to the terms of the will.

If there’s no will, the remaining assets pass to the decedent’s heirs according to the state of law. The executor is appointed by the court.

Although Hollywood has glamorized the role of the executor of the will, one is not always needed.

Sometimes, an executor may not even be needed. The most obvious reason being if an asset is owned jointly with the right of survivorship. For example, if a couple’s bank account was jointly owned, then when one spouse dies the second gets the account.

Furthermore, if there is a beneficiary designation, such as life insurance or an RIA, then in order to receive these assets the beneficiary needs to file a claim form.

Still, there are other reasons, such as if the deceased held all of their assets in a revocable living trust, or if the deceased’s individual assets do not exceed a certain threshold — which depends on the state.

The executor or closest family member will need many copies of the death certificate.

It’s important to get multiple copies of the death certificate. They will be necessary when notifying financial institutions, government agencies, insurance agencies, and others about the death.

Death certificates can be obtained at the funeral home. It’s a good idea to obtain at least 10.

Source: Carolyn L. Bird, North Carolina State University

See the rest of the story at Business Insider

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'Criminal Minds' Season 14 Premiere Date –

Criminal Minds Season 14 officially has a premiere date.

Fans of Criminal Minds will not have to wait much longer to see their favorite team of BAU criminal profilers back on their screens, executive producer Harry Bring announcing on Twitter that the popular CBS crime drama will return with its fourteenth season on Wednesday, September 26, 2018, marking its 300th episode.

Criminal Minds S14 premiere date confirmed. Wednesday September 26, 2018. 10pm CBS,” Bring tweeted, perhaps allowing the news to slip before an official announcement from the network could be made.

The long-running series, which first premiered in 2005, was renewed for a fourteenth season in May, just after the finale of Season 13, joining the renewals of Instinct, Man With a Plan, Life in Pieces, and Celebrity Big Brother.

Although viewership of the series had been down 30 percent, it still proved to be a major success, performing consistently for the network. The series’ most recent season drew in an average of 5.7 million total viewers each week and an average rating of 1.0 in the key demographic of adults 18-49.

Fans of the series were left with a major cliffhanger following the two-hour Season 13 finale, which left the fates of Penelope Garcia and Spencer Reid hanging in the balance after Special Agent Mary Meadows pulled a gun on Reid and gave him an ultimatum: free The Messiah from the BAU or allow Garcia, who was taken hostage by cult members, to die.

Showrunner Erica Messer later talked to Entertainment Tonight about the shocking ending and what Reid may do.

“He probably has five game plans happening in his head in that moment, as he’s holding the gun at Meadows. Because what he won’t do is anything jeopardizing Garcia, losing her life and being hurt in any way. He’s trying to figure out ‘What do I do? What is the bigger plan here? Why do you need The Messiah out?’” Messer said. “The argument is still there that he’s there holding a gun on Meadows, who’s holding a gun on him, and there’s somebody else holding a gun on Garcia. There’s no win right there if everybody pulled the trigger. It would be horrific.”


Messer also teased that while they “want our wonderful heroes to be in the 300th episode,” there are “many different ways to go” and that the team will be forced to “solve one of the biggest cases they’ve ever seen without two of the most important players on their team.”

Criminal Minds Season 14 will be airing alongside Survivor and SEAL Team on Wednesdays and CBS.

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