What Actually Happens to Debt When You Die?

What Actually Happens to Debt When You Die

Have you ever heard people joke about committing suicide to get out of student loan debt? It may sound like a funny question at first glance, but there are plenty of people who legitimately wonder what will happen to their debt when they die. Many people end up in so much debt that they don’t see any reasonable way to get free of it.

Paying From The Estate

Creditors get the first bite at whatever estate a person who has died passes on. What this means is that they are to be repaid out of the proceeds of the estate that the person leaves behind. Of course, most of us do not have great wealth to leave behind to our families. If we did have great wealth, it would be unlikely that we would have huge debts as well. Still, anything of value that a person owns is considered part of their estate. Debts owed are paid out of this estate.

Death Bed Expenses

The end of a person’s life is one of the most expensive periods of their life as well. It is a strange reality, but something worth noting all the same. The cost of care during this period in a person’s life is incredibly high. Some who find themselves in this portion of their life are also holding a life insurance policy.

That person may have intended to pass on the proceeds of the life insurance policy to their loved ones. However, if they find that their health concerns are eating up a large portion of that policy, then you might want to talk to someone about a viatical settlement.

How Viatical Settlements Work

A person with a life insurance policy and expenses they need taken care of may consider a viatical settlement. This is an agreement between themselves and another person. That other party comes in to purchase their life insurance policy at an amount less than its face value. This means instant cash for the policyholder, and the buyer takes on the policy. It is a mutually beneficial agreement between the two.

Using this type of settlement may help keep the total number of debts that a person owes upon death a little lower. If that is true, then more of the estate can go to the loved ones that it was intended for in the first place.

The NFL and NBA Lead Pro-Sports in Most Arrested Players

The NFL and NBA Lead Pro-Sports in Most Arrested Players

Image source: https://www.youtube.com/watch?v=juUzzdwS8mk

Among the professional sports leagues, the National Football League (NFL) and the National Basketball Association (NBA) lead the leagues in most players who have been arrested. It is possible to determine this by simply looking at the number of arrests as a mathematical equation.

Let’s See the Numbers

Vocativ.com took some of the statistics and crunched the numbers to figure out which leagues had the most arrested players. They used the number of arrests and compared it to a hypothetical population of 100,000 players to help reduce variance. Doing this, they found out that the NFL led all leagues with 2,466 arrests per 100,000. That was followed by the NBA which had 2,157 arrests per 100,000.

What’s Going On?

These figures point to a real problem with the law when it comes to the major sports leagues. Obviously, there are a lot of things that one could blame these factors on. It is entirely possible that the leagues have not done enough to dissuade their players from criminal behavior. There is also the issue of wealthy and famous players simply feeling that they are above the law. It could happen in any industry in which a group of people have a lot of wealth and power. When you view it through that lens, perhaps it is a little surprising that more players are not constantly getting in trouble.

Most Common Offenses

One of the critical issues with the leagues and their players is the issue of domestic abuse. It is one of the most common crimes that players are arrested for. Other issues that they run into include criminal drug use and possession, DUIs, and gun crimes. These are all issues that the general public also has some issues with, but they are particularly prevalent in the professional sports leagues.

There have been some high-profile cases in the leagues in recent years regarding murders and rapes. These are the exceptions to the rule so to speak (most crimes are a lot more minor than that), but they help shine the spotlight on the crime problem in sports.

Moving Forward

It is vital that people understand that money and fame do not necessarily make a person less likely to commit a crime. Some believe that having that much money would make a person more careful about the choices they make, but that is not necessarily true. In some cases, it may actually be the opposite. Considering all of this, the leagues definitely have a lot of work to do to get things straightened out internally.

How to Save Money on Your Divorce

How to Save Money on Your Divorce

Did you know that the average divorce costs about $15,000? If you’re starting to consider divorce, or if you’re already separated, seeing this figure probably does nothing to soothe the hole you feel inside. There is good news, though — there are many ways to save money while going through divorce, and while this might not do anything for the emotional pain, having a few extra bucks can help you cope better.

Get the right lawyer, not the most expensive one

The most expensive lawyer isn’t always the best. Instead, do plenty of research before setting on the person who will guide you through divorce. Take experience and knowledge into account, but also pay attention to fees. Take advantage of free consultations, and listen to your gut feelings. Does this lawyer understand you? Will they represent your best interest, or just try to run up your bill? The best attorneys should actually help you save money.

Don’t make the attorney your go-between

Divorce attorneys are great for helping you understand the law and making sure that you go about the process of divorce correctly. However, they are not a courier for you to send petty messages to your ex with; nor are they a message in a bottle for working out arbitrary details, like who’s going to pick up your child from school tomorrow.

Vent to a therapist, not your lawyer

If your emotions are out of balance and you find yourself swinging from optimistic to sobbing mess, keep your lawyer out of it. Instead, make an appointment with a counselor or therapist with experience helping divorcees. They will be exponentially more helpful, and probably charge you less.

Don’t fight over the little things

Every minute you spend haggling over the TV or the bed frame is another number on your attorney’s fee. Divorce creates heightened emotions for everyone involved, which often brings out the worst in otherwise levelheaded people. Take a deep breath, let it go, and let them have the junk. It’s only stuff, anyway. Isn’t your freedom worth more?

Talk to the paralegals and legal assistants

Have a question about your case status? Not sure about an item on the paperwork? Don’t bother your attorney over the little stuff. Instead, contact one of the paralegals or legal assistants at their office. Not only does their time cost a lot less than a lawyer’s — you’re also much more likely to get a rapid response.

Don’t hide your assets

It’s tempted for those anticipating divorce to hide their assets before filing. But if what you’re hiding comes to light in the process (which it probably will), you’ll lose your credibility in court, which means the divorce is less likely to go your way. You’ll also probably face penalties, too.

It may be advisable to sell your life insurance policy before filing to help pay for the divorce proceedings and provide greater transparency into your finances. However this is only an option if the kids have already moved out.

Stay out of court

If at all possible, avoid letting your divorce go to trial, as this will drive your divorce costs through the roof. Consider using a settlement conference or hiring a mediator instead. Yes, this does mean more time face-to-face with your ex — who is most likely the last person you want to see on Earth right now — but the money you’ll save is worth gritting your teeth for.

Lifted Trucks May Pose a Greater Threat to Your Safety


.A typical vehicle on the road can end up in an accident at any moment. It is a risk that is terrifying to many of us, but we accept that risk to commute to where we need to go. Still, most of us would not willingly take additional risk unnecessarily while we are out on the roads. Unfortunately, that is precisely what some people do when they have a lifted truck.

No legitimate travel purpose to having a lifted truck

Those who do have them only do so as a fashion statement of sorts about themselves. They want others to notice them in their vehicle, and having a truck that is lifted high up off the ground is indeed one way to do that. However, you should contact an attorney if injured by or in one of these death traps.

More than one way lifted trucks cause injuries

This critical source says that there are more than a few ways to get injured while in or near a lifted truck. For one thing, consider the fact that you can easily not be seen by someone who is in an elevated truck, mainly if you are driving around in a smaller vehicle. This is something that a lot of people have to put up with on a regular basis.

Risk of injury when riding in lifted truck

It is not just near a lifted truck that could cause you to end up hurt by one though. It is possible to get hurt even just riding in a lifted truck. The way that this might happen would be if you were in an accident while in a lifted truck. Your head is too close to the roof and cylinders that are in the vehicle. You notice as soon as you step in the lifted truck that your head is already dangerously close to that roof. That is never something that you want to have to deal with. However, it is something you have to face if you choose to ride in that kind of vehicle.

The engines and other parts that go into lifted trucks are often loud and not all that efficient. Their volume is yet another distraction to a driver. That means it is one more thing that could lead to a lifted truck being the source of an accident. Think about that as you consider what type of vehicle might be right for you to either ride in or even be near you on the way.


5 Ways You Can Protect Your Home from Natural Disasters


Constructing or building a new home is a huge investment. It’s often the biggest most people make in their lifetimes. Once you acquire a home, there is always the possibility of natural disasters and general wear and tear you’ll have to maintenance. Most disasters are known to be devastating and may lead to destruction of property, serious injuries, or even fatalities in extreme cases. This is why you should take measures to ensure your property is protected from all natural disasters.


Get the Right Insurance Coverage

While natural disasters will increase with climate change, it is still not possible to predict their occurrence with certainty. If you want to protect your home from the damage and distress they bring, you should get the right insurance coverage. Talking to insurance agents and doing research on your area will help you settle on the policy that fits your budget and meets your needs. Obviously you’ll need to take into account coastal storms depending on your proximity to a coast, but things like flash floods can cause damage and flooding in areas you might not expect.


Inspect the Property

Although you may have homeowner’s insurance, preventing damage will require you preserve the structural integrity of the building. This will involve requesting a professional inspection of the property at certain times. Through such inspections, you will be able to identify any weaknesses and defects in the foundation, walls, and roof. Repairing such defects may help to minimize the extent of future or potential damage.


Landscape With Fire in Mind

If you live in an area that experiences wildfires, your landscaping will require careful consideration. Protecting your home will mean using plants and materials that will not fuel fire in case it breaks out. Another measure to take if you live in a wildfire-vulnerable area is to use flame retardant materials when constructing your home. This can be especially helpful in preventing damage in the event you are forced to evacuate.



During winter, there is a good chance  your area will experience freezing rain, frost, ice, and snowstorms. These events can wreak havoc on your home, destroy property, and just cause more general maintenance. You should consider getting your heating system serviced, trimming any hanging trees, insulating pipes, as well as installing storm doors and windows.


Repair Plumbing

You can repair your plumbing system regularly in preparedness for rising flood waters. While this measure will help to protect your home, you may also have to install flood detectors. These devices will warn you of impending floods so you can take further precautionary measures, even if away from home.


Protecting your home from natural disasters will not only help to keep you safe, but will also save you the headache that comes with financial strains. It would also be important to be aware of what you should do during the calamity as well as how to recover from it as part of your home protection plan.

It’s Time to Build That Workshop You’ve Always Wanted

It’s Time to Build That Workshop You've Always Wanted

For many guys, having a private workshop would be a dream come true. Maybe you have dreamed about building your own outdoor workshop but perhaps didn’t know how to get started. Below is a list of ideas on how to build and organize your own workshop, without breaking the bank (or your local laws).

Determine Its Use

What will you be using your workshop for? The workshop’s ultimate purpose plays a major role in what size, shape, storage accommodations, and other considerations for determining what kind of workshop you need.

Are you planning on doing some woodwork? You may need to arrange your workshop to accommodate large pieces of lumber and machinery. It may also need some kind of soundproofing to minimize disturbance to your neighbors.

Are you more of a painter? Getting noise complaints may be less of an issue, but getting adequate lighting in the shop might be.

Kits are nice, but it’s best to customize your workshop to meet your specific needs.

Use a Template

Most guys who want to build a workshop are daunted by one obstacle: they just don’t know where to start. The simplest way to get started building your dream workshop (or heck, any workshop is better than none) is to find a template or blueprint for the kind of workshop you want. A blueprint can be a great help in getting a general idea of what structure to build when considering a workshop. Using a good template can also help to ensure that you build a sturdy structure and not something flimsy. Some home improvement stores also sell kits to make this even easier.

Building Permits

This can actually be quite important, depending on where you live. Different cities and counties will require different permits to build a structure on your land. They may even require you to submit blueprints for your structure. Make sure you are not caught off-guard with this by knowing the real estate and zoning laws in your area.

Utilize Junk Yards and Garage Sales

While many guys may want the newest piece of equipment, often that just isn’t necessary. As long as the equipment is still functional it is useful. If you are looking to save money when organizing and building your workshop, don’t be afraid to purchase used equipment. Some great, useful stuff can be found at junk yards or garage sales. This can range from tools to organizational shelves to manly decorations.

What is great about buying used is that you pay a fraction of the cost that you would pay for the items new. This can help you save quite a bit of money, leaving more funds for doing the fun stuff!

Feeling inspired? You’d better be. Building your own workshop can be more than just a dream. So what are you waiting for? Get off your butt and get started!

5 Futuristic Fantasy Worlds You Would Love to Travel In


For decades, fantasy films and fictional novels have gripped millions of audiences around the world. And while it’s primarily consumed as a form of entertainment, these movies have met such successful debuts and have amassed such massive followings because of their ability to transport the mind to new places and universes. Here are five fantasy worlds you’d love to explore.


One of the most popular and frequently mentioned worlds in the thousands of worlds in the Star Wars galaxy is Naboo. Characterized by its rolling hills and calming waterfalls, Naboo is the perfect representation of a peaceful landscape—at least before the Trade Federation took over. Traveling to Naboo puts you closer to a lot of unique and interesting creatures including Nuna, Fambaa, and the Opee Sea Killer. It’s okay if you want to avoid the Gungans. We do too.

Middle Earth

While it doesn’t seem like a futuristic realm, Middle Earth could be Earth centuries from now when humans regrade to the old ways and are forced to coexist with other species, like orcs and goblins. It’s not these mostly unfriendly creatures that are the draw to exploring Middle Earth though. It’s the idea of spending time with wizards and elves, strolling around Rivendell, and having a hobbit welcome you into their cozy hobbit-hole. Who wouldn’t want to immerse themselves in a lifestyle that takes them back to simpler times?


James Cameron’s 2.8-billion box office hit didn’t achieve its meteoric rise by having a boring and unoriginal premise (and it does). It became a success because of Pandora. Characterized by its lush green forests as far as the eye can see and the incredibly colorful and vibrant flora and fauna, it’s a place anyone could easily get lost in. And with the new theme park coming out, you just might actually be able to get lost in it.

Pacific Rim

While the pacific rim is located on Earth and is therefore technically not a fantasy world, it’s as futuristic and science-fiction-y as you can get. In a time when 100-ton robots collide with 100-ton monsters of another dimension, it’s definitely an action-packed life for anyone living on the planet. It’s not the safest place to travel around in, given the war going on. Getting around is difficult and car accidents are commonplace, but hey! It’s monsters and robots! Fighting each other!


Home of the Asgardians and a planet of both gods and heroes alike. It’s perhaps the most proud place you’ll find in just about any galaxy. You’ll find unlimited wine and flying boats, and maybe you can even run into Thor (are you worthy to use his hammer?) and make some mischief with Loki all before Heimdal sends you on back home on the rainbow bridge.


There’s no limit to which fantasy world you can travel to. And with theme parks and virtual reality becoming more advanced, it’s certainly not far-fetched to think that you can actually experience these worlds in the near future.

7 Movie Star Role Models Who Ride Motorcycles


Celebrities love their toys and, as fans, we love to see them collecting and enjoying those toys. One such hobby is motorcycling and there is a long list of film stars who have made motorcycle riding a special passion. Here are just seven film actors who spend their time riding (and sometimes crashing) their big bikes.


1. Tom Cruise

Fans of Tom’s action films know he’s no stranger to bikes, but they may not know he’s an experienced rider off screen, as well. Mr. Cruise invests a good deal of time and money in his vintage motorcycle collection, but his favorite ride is the $100,000 Vyrus.

2. Brad Pitt

Here’s another Hollywood A-lister who makes collecting vintage motorcycles a source of enjoyment. Brad also has a favorite bike: his newly acquired World War II Nazi motorcycle. That monument to history cost Pitt nearly $400,000.

3. Liam Neeson

Recently, Mr. Neeson announced his plans to step down from doing action films, but that doesn’t mean he’s given up on excitement altogether. Liam still rides, even after his motorcycle accident in 2000, which happened near his New York home. Neeson was injured: he broke his pelvis and had to wait at the scene for help to arrive.

4. Orlando Bloom

We’re used to seeing Orlando Bloom riding the high seas in the Pirates of the Caribbean film franchise, but, off-screen, he’s a big bike lover. In fact, Bloom rides his motorcycle everywhere, describing it as his main form of transportation.

5. Kid Rock

Of course, the Kid loves his bikes. They’re often featured prominently in his music videos and he rarely accepts any other form of transportation, except for his concert tours. In fact, Kid Rock teamed up with Harley Davidson recently. The iconic motorcycle manufacturer sponsored Kid’s Rebel Soul tour and created a custom made bike to immortalize the event.

6. Arnold Schwarzenegger

Arnold has always been an avid bike rider, though he’s been in two bike accidents. One in 2001, which left him with 6 broken ribs and a couple days of recuperation in the hospital, and one in 2006, when a car backed into him and left him with 15 stitches in his upper lip. Still, he loves to ride.

7. Ryan Reynolds

Ryan Reynolds was launched to superstardom with his portrayal of Deadpool for Marvel Entertainment. When he’s not playing the wisecracking superhero, Ryan is seen indulging his passions. One of those is cruising all over town on his motorcycle. Fans often share pictures of the star flying by on his bike.


There are many more motorcyclists among Hollywood’s elite, proving people of every walk of life likes to ride. Motorcycles may be dangerous at times, but that danger is part of the fun. Nothing can stop a true motorcyclist from getting back on their favorite ride.



5 Crazy Semi-Truck Accidents You Have to See to Believe


Although only a small percentage of accidents include semi-trucks, when they do, there is quite a lot of devastation and usually some fatalities. While we don’t know the cause of all of these accidents, driver error features heavily in the contributing factors. Take a look at some of the crazy accidents that have occurred. These trucks are not to be messed with!

Can’t Hide Under a Semi

This story hails from Russia, where three young people, a man and two women, were driving a French car in the winter with summer tires on. There was black ice and snow all over the ground, so when a semi-truck going sixty miles per hour came heading toward them fast, there was no time to act. The ice and snow caused the car to fly under the semi, instantly crushing the car and killing the inhabitants.

Over the Edge

Almost ten years ago in Saudi Arabia, a semi-truck accidentally jumped the barricades on a two-lane highway, landing on, crushing cars in the lanes below. The truck itself was completely destroyed. The cause of the crash isn’t reported, but it must have been terrifying to watch that truck fly!

Small but Mighty

A Toyota Rav4 is really small compared to a semi-truck, but one of these scrappy cars t-boned a semi at a very high speed and managed to knock it over! The driver did survive the impact somehow, but it just goes to show that it is important to be watching where you are going.

Heavy Flip

A logging truck in Alberta, Canada was carrying nearly 100,000 pounds of large logs when the driver, reportedly on his phone, almost drove off the road to the right and overcorrected into a ditch. This dragged the unprotected cab down a hill and through a snowbank, killing the driver.

Hang on for Help

Early on a cold New York morning in 2007, a semi-truck pitched cab first through the guardrail of a bridge, landing on its windshield and somehow leaving the body of the truck still up on the bridge! This one has a happier ending than most, as the driver did manage to make it out alive.

While these stories may seem a little out there and the pictures definitely show some serious damage, it is important to remember that semi-trucks are nothing to play around with. Most of the people involved in these stories didn’t make it out alive and there was a lot of damage done. Be careful driving around semi-trucks so you don’t become one of these crazy stories.

Blending Cutting Edge Technology with the Traditional Gentleman

Blending Cutting Edge Technology with the Traditional Gentleman
Blending Cutting Edge Technology with the Traditional Gentleman

The modern man faces many challenges today between finding the right career, portraying himself as a dapper gentleman, and achieving his goals in life. Men’s lifestyle often portray the gentleman as someone who is properly dressed at all times, eschews mundane social conventions and pays attention to those around him and not his mobile device.

A modern man is above the masses, glued to their phone screens and the glowing affirmations from social media. But technology is necessary, and often a man might wonder how to blend the modern with the traditional. Whether you’re a fan of the classics or enjoy your technology with a vintage look, there are many pieces and styles technology comes available in nowadays so you can announce your style with aplomb.

A record player can easily disguise a new state-of-the-art radio and digital music player, as well as being capable of playing records and showing to people at parties you’re a man of class and taste. Vintage typewriters can be retrofitted to work with laptops, which makes a statement about how you choose to use technology. iPads and iPhones can easily be fitted with custom engraved wood cases and these warm wooden hues will lend a traditional look to your tech.

You can even outfit your home with modern needs such as home assistance systems like the Google Home; all you have to do is disguise the device inside a clever panel in your home. It even lends itself to a steampunk aesthetic, to have technology interwoven between classical features like installing a sound system directly into the wooden paneling of your home or having a smart watch that looks just like a vintage pocket watch.

The original men’s lifestyle is one of fine distinction, and you need not give up the conveniences of modern life with your pursuit of the traditional. Fine suits, impeccable tailoring and precision grooming will present you as a modern man of taste. Cutting edge technology such as mobile devices, tablets, laptops and the latest features for your car can all be retrofitted into the classic look of many other fine pieces, creating a work of art that any gentleman would be proud of.