Marvel Rivals has hit some major milestones since its launch a month ago, including reaching 20 million players. The Overwatch competitor features a huge roster, including the now beloved Jeff the Land Shark, and while NetEase has already confirmed some of the heroes being added in Season 1, there have also been almost a dozen leaked heroes as well. While it's unlikely that all of those heroes arrive in Season 1, it does seem possible that there could be even more than the ones officially confirmed. The new season will also include new team-ups, new maps, and a new battle pass, along with new cosmetic items in the shop. Here's everything we know about Marvel Rivals Season 1 so far. Marvel Rivals Season 1 Start DateWhile the start date of Marvel Rivals Season 1 hasn't been confirmed, Season 0 is set to end Thursday, January 9 at 10 PM PST / January 10 at 1 AM EST. Since this is the first new season since the launch of Marvel Rivals, it's unclear if Season 1 will start immediately or if there will be some server downtime, but it seems like January 10 is the most likely start date. When Season 1 kicks off, it will include a new battle pass, which should be longer than the Season 0 battle pass. Don't worry though, Marvel Rivals battle passes don't expire, so you can keep working on the Season 0 battle pass if you haven't finished. Marvel Rivals Season 1 Confirmed New HeroesSeveral new heroes have been officially confirmed as coming to Marvel Rivals, with NetEase teasing a trailer for January 6 featuring the first official look at the Fantastic Four. At the moment, it's not clear if all four will be added at the start of the season, but the tweet refers to them as a unit, "Marvel's first family," so it seems all four will debut at the start of the season. That includes Mr. Fantastic, Invisible Woman, Human Torch, and Thing. While the exact classes of each character haven't been revealed yet, Thing seems like an obvious Vanguard (tank) and Human Torch may be a Duelist (DPS). Mr. Fantastic and Invisible Woman seem likely to provide at least one Strategist (support) between them, if not both, especially since most of Marvel Rivals' roster is made up of Duelists, but we will have to wait for official confirmation. Marvel Rivals Season 1 Leaked CharactersWhile it seems probable that the Fantastic Four are the only heroes added in Season 1, there have been a lot of leaked heroes for Marvel Rivals that could also join the roster in Season 1, perhaps as part of a mid-season update. These leaked heroes could also get added in future seasons or could potentially get scrapped entirely. Below is a list of the leaked heroes, coming from multiple leakers on Twitter, @MRivalsUpdates and @RivalsLeaks.Leaked heroes:AngelaBladeCaptain MarvelDeadpoolEmma FrostHit-MonkeyJean Grey (Phoenix)M.O.D.O.K.The HoodUltron (believed to be a Season 1 hero)Valkyrie Marvel Rivals Season 1 MapsNetEase hasn't confirmed new maps for Season 1 just yet, but there have been some leaks. Leaker @FumoLeaks found three locations believed to be coming in Season 1. The first two are Krakoa and Arakkoe, islands that the X-Men inhabit in some comic storylines, as well as a New York City map. Similar to other locations in Marvel Rivals, these might contain multiple maps for different game modes, the way that Wakanda features both payload and point capture maps already in Marvel Rivals. Leaker @XOX_Leak also tweeted "New York = EMPIRE OF ETERNAL NIGHT." Based on some text from Cloak and Dagger's character bio and some dialogue they share with Spider-Man in match, Dracula has control of New York, which might influence the design of the maps. The same leaker also shared that Thebes, Egypt is also going to be a map in the future. Marvel Rivals Season 1 Team-UpsTeam-ups in Marvel Rivals are bonus abilities or buffs that are activated when the required characters are on the same team. Some of these bonuses are listed as seasonal boosts, so it's not yet clear if old team-ups will be replaced or if more team-ups are just being added, but leakers have found a number of potential team-ups ahead of official confirmation from NetEase. It's not clear if these team-ups are set for Season 1, especially since some of them include characters that have not been officially confirmed. This list comes from @XOX_Leak and likely isn't representative of all Season 1 new team-ups.Squirrel Girl X Rocket RacoonStorm X Human TorchWolverine X The Thing X HulkWolverine X PhoenixWolverine X Magik X Psylocke X Black Panther (potentially scrapped according to leakers)Blade X Cloak and Dagger X Moon KnightEmma Frost X MagnetoEmma Frost X Psylocke

The Marvel Universe as we know it started in 1961 with the debut of the Fantastic Four, so it's only fitting that the first post-launch heroes for Marvel Rivals are coming from the first family of superheroes. NetEase Games has dropped a teaser image for the Fantastic Four with an announcement that a new trailer is coming on Monday, January 6.Get ready to welcome Marvels First family in Marvel Rivals. Trailer on January 6th at 8:00 AM PST / 16:00 UTC. Be there. #MarvelRivals #FantasticFour #NewYorkCity pic.twitter.com/4Cjh9mXSi3 Marvel Rivals (@MarvelRivals) January 2, 2025 As with the previous heroes introduced in the game, Mr. Fantastic, Invisible Woman, Human Torch, and the Thing have been slightly redesigned to fit in with Marvel Rivals' aesthetic. For example, Mr. Fantastic looks considerably younger and more buff than his comic-book counterpart. Intriguingly, the FF's helper robot, H.E.R.B.I.E., is also prominently featured in the promo art. That's prompted speculation that he could also be a playable character, similar to Jeff the Land Shark.One of the reasons why the FF are getting such a prominent push is that 2025 will mark the team's return to cinemas 10 years after the much-maligned 2015 Fantastic Four reboot. The Fantastic Four: First Steps will be the team's MCU debut after alternate versions of Mr. Fantastic and Human Torch had cameos in Doctor Strange in the Multiverse of Madness and Deadpool and Wolverine, respectively.Continue Reading at GameSpot

According to sources, the AMD Radeon RX 9000 series of graphics cards may have a staggered release between January and March, starting with the flagship Radeon RX 9070 XT model. AMD is expected to fully reveal its next generation of graphics cards at the 2025 Consumer Electronics Show (CES) in Las Vegas on January 6.

One Piece fans love to guess whats going to happen in the story. With many bizarre theories and predictions constantly circulating in the community, fans constantly try to figure out what direction the massive story might take. Many times, although fans think they have a good idea of where the story of One Piece is heading, Oda constantly flips theories on their head, introducing a new turn that nobody could have ever predicted.

Whenever the Call of Duty Zombies community is polled on the best maps of all time, or a veteran fan shares their opinion, a few names can regularly be found at the top of the list. Many will consider the strong, contained narrative and haunting aesthetic of Alcatraz to be highlights of the modes 16-year-plus run, ensuring Mob of the Dead ranks highly. The fictional yet fully realized Morg City ensures Shadows of Evil regularly earns itself a top spot, while the sheer epicness of a dragon-covered version of Stalingrad means Gorod Krovi is a fan favorite for many. Der Eisendrache gets plenty of love, too, for several reasons. These include its emotional final cutscene, the presence of the modes first true boss fight, and a map design with perfect flow. However, another undeniable strength of the map is its similarities to Origins.

Prestige returns to Black Ops 6 with new emblems and a ton of rewards.Prestige in Call of Duty is essentially a rank reset system that gives you items and rewards you can show off to your friends and other players.Black Ops 6 improves on the prestige feature by allowing you to keep some of your progression as you advance, so you dont have to grind as hard to get back to where you were. Youre also rewarded with a lot of in-game cosmetics every ten levels, so there is something to look forward to in between hitting the next prestige.If the rewards arent enough for you, you can chase the extreme challenge of surpassing the ten prestige levels and aim for level 1000. In doing so, youll receive a secret reward and, maybe even a tease for the next Call of Duty title.The only problem is, it can be a little difficult to find in Black Ops 6s menus, so let us help. Heres how to prestige in Black Ops 6, what changes when you prestige, and all of the prestige rewards.Black Ops 6 prestige level requirementIn order to prestige in Black Ops 6, you must reach level 55.After youve hit level 55, a notification will appear on your screen asking if you want to prestige, allowing you to prestige immediately. However, since prestiging is a manual process, you can wait if you prefer.How to prestige in Black Ops 6When you are ready to prestige in Black Ops 6, follow these steps:Select the Barracks tab in the main menu of Black Ops 6 multiplayer.Click the Progression button.Choose the Prestige option in the middle of the screen.Hover over your available prestige level and hold down the associated Prestige Details button.Continue to the next screen and hold down the button to reset your level and enter prestige.What changes when you prestigePrestige functions similarly to previous Call of Duty titles where youll lose a lot of your progression for a new emblem, but you can keep some of your progression in Black Ops 6.After you prestige in Black Ops 6, the following changes will occur:Reset back to level 1All level unlocks will be locked (except for base operators, emotes, zombie gobblegums, and permanent unlocks)Loadouts will be resetCombat stats will be reset to reflect your current prestige level (lifetime stats can be viewed in the Combat Record)The following items will not be reset:Weapon progression, camos, and reticlesWeapon buildsChallenge progress and unlocksStore and Battle Pass contentOperator and emote unlocksZombie GobblegumsBlack Ops 6 prestige reward emblemsOnce you prestige in Black Ops 6, youll earn rewards inspired by previous Black Ops titles. For example, the first prestige is based on Call of Duty: World At War, and features a zombie operator.There are a total of ten base prestige levels, with two bonus prestiges for the dedicated Call of Duty players. Each prestige level will have six rewards (except for Prestige 1, which has seven):One Permanent UnlockLoading screen and social wallpaperGobbleGum packAnimated emblemCharmBlueprint or Operator skinThe Permanent Unlocks are given to you immediately after you prestige and allow you to permanently unlock a single item of your choice. For example, if you permanently unlock the AS VAL, you can use it at level one rather than reaching level 55 again.The other five rewards will be distributed to you every ten levels (level 10, 20, 30, 40, and 50), and will always be in the order of loading screen, GobbleGum pack, animated emblem, charm, blueprint/operator skin.To see what the rewards look like, you can check them out in the Prestige section in Black Ops 6, or check out the gallery below.If youve completed all ten prestiges, youll become a Prestige Master, which has the ability to reach level 1,000 and unlock even more rewards, such as prestige icons from previous Call of Duty titles, operator skins, and weapon blueprints.If you reach level 1,000, youll become a Prestige Legend, which will provide you with a Samuels operator skin, loading screen, weapon upgrade GobbleGum pack, emblem, spray, and a PP-919 weapon blueprint. All of the rewards can be seen in this YouTube video from MrDalekJD.Elsewhere, we have explainers on maps, Double XP, and the best guns in Black Ops 6, as well as guides for the campaign, including safehouse puzzles and safe code locations.

Talking to Nebula-winning fantasy author John Wiswell about the things he loves is a little overwhelming, because of the boundless energy he brings to the table. Whether hes talking about his 2024 debut novel Someone You Can Build a Nest In (a cozy fantasy widely featured on best-of-the-year lists, including ours), the other books he loves and helps promote, writing neurodivergent and disabled characters as a way to be seen, or the craft of writing itself, hes endlessly enthusiastic. After years of trying to get started as a writer, that energy has paid off,with one novel in stores, a second on the way in 2025, and a rapid run of short stories published at outlets all over the web, including the Nebula winner Open House on Haunted Hill and the Locus Award winner That Story Isnt the Story. (More links below, throughout this interview.)Wiswell always seems to have half a dozen projects in the works, so he was a logical person to reach out to at the beginning of the year, when people are most thinking about productivity, new projects, and setting goals. Polygon asked him for advice about how to stay focused, finish projects, and beat writers block. We were surprised when he explained that one of his biggest tricks was the Tetris method.This interview has been edited for concision and clarity. Polygon: Are you a New Years resolution person? Do you have a different way of setting goals for yourself?John Wiswell: I have never been a New Years resolution person. I think its a great form for other people. I tend to have goals that pop up at other times of the year, and then I just try to stick to them. So I had a goal to publish as a novelist, and if that was my New Years resolution, I sure failed, like for 13 years or something! And I think my first piece of advice, frankly, to anybody is: Be ready for it to be OK that you dont nail it. 100% success is a very mean resolution to put upon yourself, and its a great way to throw your resolution away. On the first Tuesday of the year, when you dont write, Well, I was going to write every day! I guess the years over now! Thats not fair to yourself. And I think weve all been there.Weve all had that one discouragement where youre like, Ah, Im never going to be any good! Well, nobodys good at the violin the first day they pick it up! You practice! We hit the track to get a better time eventually. I certainly am not doing my best time on the elliptical right now, but Im going to keep doing it. So I have things Im very much looking forward to doing in the next year. Im probably going to start writing a brand-new book shortly. I have a bunch of short stories I want to write next year. I have a lot of people who I want to spend some time with next year, because the older I get, the more important certain people are to me, and I want them to be a part of my life. Thats a funny thing to make a goal out of, but time gets away from us.So be open to revising a goal in a reasonable way: OK, I cant write every day. Can I write every weekday morning? Can I write Saturdays and Sundays? Or if youve never finished anything, maybe a really good goal is, Well, Id like to try to finish something this year, whether its finishing a short story, an entire novel, or just getting to the end of anything. It doesnt matter if you think what you wrote doesnt work: Finishing something for the first time is an amazing achievement.New Story Day: Ill Miss Myself is out at @reactorsff.bsky.social!"I'll Miss Myself" is about an app that shows you every parallel universe version of yourselfor so it says. But the app might be hiding something from all of you.reactormag.com/ill-miss-mys John Wiswell (@wiswell.bsky.social) 2024-07-10T14:25:02.352ZMost writers dont get there. You gotta pat yourself on the back when you do hit some of these things. I feel like in addition to beating themselves up, people often dont give themselves the credit for getting somewhere thats really meaningful. The first short story I finished was not very good, and I was very mean to myself about it. Now I look back and Im like, But you dont get to any of the other ones if you dont do that one!I think its better to look at a project as, That was another day in the gym. That was another day running around the track. Give yourself credit for getting out there and trying to do the work. And then try to give yourself rest! If I had a New Years resolution, itd probably be to pace myself. I have multiple disabilities, and I really ran myself into the ground with my book launch in 2024. I loved everything I got to do, but I really physically hurt myself doing it.And so going into a second year as a published novelist, Im still going to try to do a lot, but Im also going to try to be a little more mindful of my limits, so I dont burn myself out too fast. So I can be there, whether its for another book event, or for my nephew after he gets home from school.Youre very prolific for someone trying to pace yourself! How do you maintain the energy to keep jumping into new writing projects, to keep pitching and submitting?The first trick is, I only write short stories where some character or part of it really excites me. So if it seems like an important thing to write, but its not exciting, Ill put it on the back burner and maybe come back to that idea later and see if it excites me. If I think, I want to write a story about a dragon who runs for mayor, and gosh darn it, thats just so funny to me, Ive got to write that. I really wanted to write a story in the fairy-tale style that did lots of time skips, but never had a scene break. I just really wanted to try that. And then I got to Someone You Can Build a Nest In that was very emotional for me, and that was great to explore, so the first draft didnt take that long, because it was all coming out of a period of excitement.New story day! Five Answers to Questions You Probably Have is live at @uncannymagazine.bsky.social.It's a short story told in the form of a crumpled up note, stuffed inside a geode, hidden in your bedroom wall, from the father you've never met, explaining how he knew you'd find this one day. John Wiswell (@wiswell.bsky.social) 2024-05-07T15:09:55.539ZThe other thing is, Ive written so many short stories now that I know my habits. I know I can probably do one in a day or two. Do I have a period in my schedule thats about that wide to write a first draft? And what is that gap? If I need to write half a novel this month, and therell be a two-day gap, and then Im going to be teaching for four weeks; I should take that two days off.You got to take care of yourself. But if theres a gap in the schedule where Im not going to have to do that much some of us lift ourselves up by writing comedy. Some of us get a lot of release from writing really grimdark stuff. I keep my output high by looking for work that will enliven me, or actually help me settle, and it does reset the mind. Sometimes Im just looking for shorter projects that will switch my mind to something else, so Ill be in a different emotional state than I have been. I guess youd call that another trick.My biggest thing, though, is that I just really love short stories. So its not that much of an encumbrance, because its really fun to fall in love with another 3,000-word idea. I love the form, I love to read it, and I do love to write it.Its funny that you think my output is high I feel like Ive been slacking off. I think everybody does that to themselves I did X, but it should have been X times two. No matter what you did. Its like, Oh, I got my best time ever at the track, but it should have been faster.Do you ever get blocked? And if you do, whats your strategy?I dont think writers block is one size fits all. Ive encountered three kinds. One is burnout, and undiagnosed burnout is the worst kind of writers block, because you try to work through it and make it worse. And in those cases, I examine the idea and try to write it from different angles. I play with the voice. If Im like, Huh, nothing here is wrong with these ingredients, I ask, Is something wrong with me? Am I emotionally off? Am I just exhausted?It's New Story Day! In the new issue of Worlds of Possibility, you'll find "The Last Adult Superstore," about a store tucked off the map with a very unusual inventory.Happy to published by Julia an alongside great writers like @alwayscoffee.bsky.social and @aimeeogden.bsky.social! John Wiswell (@wiswell.bsky.social) 2024-04-30T17:44:21.811ZIf the problems in me, then its not in the work. I save all of my notes and Im like, All right, come back to this later and lets work on ourselves in the meantime. Sometimes the problem is in the work I started the story, but it turns out I feel like Im the wrong person to be writing it.I dont like to be appropriative. So Ill maybe put the work aside. Other times, something about the work is off Im telling it from the wrong point of view, or I keep trying to make it a comedy and its not actually as funny as I thought it was. So I try engaging with the same idea seriously: Lets do a drama about this. Maybe the blockage is that I am looking at it from the wrong angle. The last kind of blockage is, you write yourself into a corner, which a lot of people really dread. But I kind of love it. I think its because I grew up playing Tetris: I really like playing the game of How do I rotate this plot element or this voice until it fits into the story?Its a funny household-chore way of looking at writing. But it really is like cleaning out the trash bin, or playing Dr. Mario. OK, Im stuck, but what angle do I need to turn this to for it to make sense? Do I need to flip it around? Maybe I make the thing that is a problem for me into a problem for the character, and then the drama is them solving it. Or maybe we pivot, and these two characters who have been opposed need to become allies in order for them both to get through it, but thatll make the problems worse for them on the other side. Solving a writing problem by figuring out the angle, thats the most fun way to beat writers block. So now when I get stuck, I actually get a little dopamine. I actually get a little excited. Because I gamified solving plot problems thats so much easier than getting over burnout.New story day! "This Mentor Lives" is about a wizard working himself to death raising chosen onesbut his kids are worried for him. It's time for an intervention.You can read it free at @havenspec.bsky.social right here: www.havenspec.com/this-mentor- John Wiswell (@wiswell.bsky.social) 2024-07-01T16:16:08.930ZYoure so active on so many social media platforms how do you deal with distractions? How do you deal with the desire to spend your whole day interacting with fans instead of writing?Yeah, theres a lot of appeal to being on social media, and to some degree, it feels like your job you have to go get attention for your work, or you need to establish a brand, which feels disgusting to an artist, right? But theres a compulsion to be there, and theres a lot of fun to it. And I could talk to people about my books, or other peoples books, or about storytelling all day. Sometimes I just have to close the browser, and its not allowed to be open again until I get a certain amount done.Other times I just give myself permission This is the time of the year where I should be engaging more. The month my next book comes out, Im going to be on socials more. I think thats part of the job. And also, man. If people took time out of their day to be like, I just read your new book that came out eight hours ago, and Im done, and I love it, I want to take a minute and be like, Dude, thank you. You made my day. This is awesome. I want to both enjoy it and show gratitude, because thats such a generous thing to do.So I do tend to block out a little time in my daily schedule to respond to fan email, or to be on socials, and to try to be positive or constructive, if not positive. Im also somewhat outspoken on politics, but I try to be practical about Heres a thing we can actually do, rather than just despair, because we can all despair on our own. What can I do, or what can we do? It feels like an important part of a social life. Social media isnt just there for me to talk about books it lets me be part of a community. And living in the middle of the woods, that does mean a lot to me.New story day! My final new short story of the year is "A Taste of Justice," about ace love, fighting one very corrupt judge, and about magic in the dirt under our feet. It's now up for all subscribers to @morningtransport.bsky.social! www.sundaymorningtransport.com/p/a-taste-of John Wiswell (@wiswell.bsky.social) 2024-10-20T14:34:06.017ZHow do you know when its time to let a project go and move on?At the beginning, I didnt know, and that was disastrous. So Id hold on to a half-finished book for years and not move to the next thing. Im going to finish this! Im going to perfect this! Its going to get better! Over time, deadlines helped. I had a great teacher in college who heard about my problems of self-sabotage and self-censorship, and she said, You need to work at an ad agency, because if you cant turn in eight pitches by the end of the day at an ad agency, they just fire you. I was like, Oh, right. You need deadlines! So I have tried over time to create habits of get it to a workable state by the end of the week, or move on.I dont let perfect be the enemy of the good. You can always set a project aside and come back later. Taking time away from your first draft is also very helpful, rather than tinkering endlessly. Ill put something Im struggling with in a folder and Ill come back in a month and see if I still like it. So Im not in an endless emotional cycle. Putting some systems of distance and deadlines into place those will change for every person, and will change as the person develops more skills and habits, but theyre lifesavers. Without them, I might still just be staring at the same Word document from 1998.

Genshin Impact is one of Hoyoverses many games, which means that there are tons of codes revealed via social media channels to redeem in exchange for free loot.These codes can reward a plethora of goods, from food thatll buff or heal your characters to the premium currency, Primogems. Below we list out the currently active Genshin Impact redemption codes as of January 2025 and explain how to redeem codes.Genshin Impact codes for January 2025The active Genshin Impact reward codes as of writing this are as follows:MAVUIKAWISHES (30 Primogems, 1 Hymn of Gathered Flame) added Jan. 2WEAV365PI953 (3 Withering Purpurbloom, 3 Quenepa Berry, 10,000 mora, 10 Adventurers Experience, 5 Fine Enhancement Ore) added Jan. 2WAM5UWWU28NV (60 Primogems, 5 Adventurers Experience) added Nov. 20How to redeem codes in Genshin ImpactThere are a few ways to redeem the Genshin Impact codes. For one, you can do it in-game via your settings, if you select account on the left, and then the redeem code button.You can also redeem them online through the Genshin Impact code redeem website. Youll need to select your correct server and login through the website in order to get rewards. You will also need to have a working UID for Genshin Impact. If youve never logged into Genshin Impact in any form using your Hoyoverse account, it will not work.If youre looking for more to do in Genshin Impact, we have tons of guides to get you started. Our early Genshin Impact guides will provide beginners tips, list out the free characters you can get, and how their elemental reactions work.We have expansive guides on pesky Sumeru side content, like Udumbara Pistil locations and where the Aranyaka Mysterious Clipboard buried chests are. We have content for Natlan, too, explaining how to unlock the various Natlan world quests and how to make the Natlan craftable weapons.

So, you've died. Congrats, you're finally debt-free! Unfortunately, things are now a bit more complicated for your relatives. When someone dies, their debts don't simply disappear. Instead, for the most part, they become part of the deceased person's estatethe collection of all assets and liabilities left behind. Understanding how these debts are handled is crucial for both estate planning and managing inherited responsibilities. Let's take a look at what exactly happens when you die with debts to your name, and what you can do to ensure your family members are not left with an unwelcome surprise. And, of course, none of this is legal adviceit's simply an overview of what happens, generally speaking, to your debts when you die. First off, the probate processAfter death, the estate goes through probate. This is the legal process where an executor is appointed to manage the estate, assets are identified and valued, valid debts are paid, and remaining assets are distributed to heirs. During probate proceedings, any outstanding debts must be settled using property and funds from the estate. Heirs receive no inheritance until debts are settled.Most states require debts to be paid in this order:Funeral expensesEstate administration costsFederal taxesMedical bills from final illnessSecured debtsUnsecured debtsIf the estate lacks funds to pay all debts (aka an insolvent estate), debts are paid according to priority order. Lower-priority creditors may receive partial payment or nothing, while remaining debts typically die with the deceased.Some assets bypass probate and are protected from creditors. These include life insurance proceeds, retirement accounts with named beneficiaries, assets in living trusts, and property held in joint tenancy.Types of debts and what happens to themNow that we know the order of debts that need to be paid, let's take a look at how different types of debt are handled.Federal student loansAutomatically discharged upon deathDeath certificate must be submitted to loan servicerPrivate student loans may have different rules; some require payment from the estateCredit card debtPaid from estate assetsNot inherited by family members unless they are: co-signers on the account, joint account holders, or required by state law (in community property statesmore on that below)Medical billsEstate is responsible for paymentMay be negotiable with healthcare providersFamily members generally not liable unless they signed financial responsibility forms or live in states with specific filial responsibility lawsMortgages and home loansProperty can transfer to heirs, but the mortgage remainsOptions for inheriting family members are to assume the mortgage and continue payments, refinance the loan, or sell the property to pay off the debtCar loansSimilar to mortgages, lender may allow loan assumption by qualified heirsVehicle can be sold to satisfy the debtImpact on family membersThe good news is that relatives are not typically responsible for repaying the debt of someone whos died, unless:They're a co-signer on a loan with outstanding debt.They're a joint account holder on a credit card. (Note: This is different from an authorized user.)They're a surviving spouse and your state law requires spouses to pay a particular type of debt.They're the executor or administrator of the deceased persons estate and your state law requires executors or administrators to pay an outstanding bill out of property that was jointly owned by the surviving and deceased spouses.They're a surviving spouse and you live in a community property state that requires surviving spouses to use jointly-held property to pay debts of a deceased spouse. These states include Alaska (if a special agreement is signed), Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.If there was no co-signer, joint account holder, or other exception, only the estate of the deceased person owes the debt.Preventive measuresWhile you can't plan for an unexpected death, there are steps you can take now to protect heirs from debt complications. The most obvious step is to maintain adequate life insurance. Even if you're young and healthy now, you could still need a plan. Make things easier for your loved ones by keeping detailed financial records and regularly updated beneficiary designations. Finally, consider creating a living trust, and consult with estate planning professionals.If you're the family member of someone who recently left debt behind them, consider consulting a probate attorney. Don't automatically pay debts from personal funds, and always request debt verification in writing while keeping detailed records of all communications.Debt settlement is tricky enough while you're alive. Understanding what happens to your debts when you die is the best way you don't leave a mess for your estate once you're gone. For more, here's how to talk to your kids about your estate plan now.

This post is part of Find Your Fit Tech, Lifehacker's fitness wearables buying guide. I'm asking the tough questions about whether wearables can really improve your health, how to find the right one for you, and how to make the most of the data wearables can offer.Zone 2 is the term the fitness world has (mostly) agreed upon to describe the low intensity cardio most of us should be doing regularly. When youre in zone 2, youre working hard enough that you start breathing more heavily, but easy enough you could hold a conversation doing it. You stop a zone 2 session because your workout time is up, not because youre too exhausted to continue. But what heart rate should you expect to see on your fitness smartwatch when youre in zone 2? Thats where people disagree.What is zone 2 training?As Ive explained before, the name zone 2 comes from heart rate training. To train by heart rate, you use either a wristwatch with an optical heart rate sensor (that green light on the back) or a chest strap paired to your watch or just to a phone (chest straps are more accurate, and I recommend a good $25 one here). To train by heart rate, you aim to keep your heart rate in the "zone" that gives you your desired workout. In most of the popular systems, there are five zones. Zone 1 is your resting or recovery zone; zone 2 is low intensity cardio; and zones 3, 4, and 5 are for harder efforts, usually done for only a few minutes with recoveries in zone 1 or 2 in between. (I have a more detailed guide to the zone system here.) While zone 2 is the trendiest at the moment, the other zones still have uses. Personally, I think zone 3 is underrated, and probably most of us would be better off getting a mix of zones 2 and 3 for our steady cardio rather than pure zone 2. But that's a story for another time.Heart rate zones are usually defined as percentages of your maximum heart rate. So when I set my Apple Watch to keep me in zone 2 during my runs, it wants my heart rate to be between 60% and 70% of maximum. Even at an easy effort, I found I was commonly exceeding that limit. On the other hand, when I hop on a Peloton bike, my heart rate is often still in zone 1 when I could swear Im riding at a zone 2 effort. It turns out that system defines zone 2 as 65% to 75% of my max. Who is right? Well, everybody. Zone 2 isnt a term with scientifically designed boundaries. Anybody can split up heart rate zones any way they like. (Stay tuned for my patented eight-zone system, coming as soon as I can find a way to monetize it!) If you train with more than one gadget, or if you find yourself discussing heart rate training with a friend who uses a different system than you do, its worth knowing the differences. What heart rate percentage counts as zone 2?Lets take a tour of some of the more popular wearables and fitness systems that measure heart rate in a five-zone system, or something like it. First, its important to know that most (not all) of these percentages are based on your max heart rate. To know your max heart rate, you need to do a real-world test, not just calculate it from a formula. For example, one formula calculates my max heart rate as 178 beats per minute, and another says it should be 169; in reality, Ive seen as high as 207 when Im running, and 198 on a spin bike. (And yes, your max can differ for different types of cardio. My heart rate while Im swimming would probably be lower still; when your body is horizontal, your heart has an easier time moving your blood around.)There are other systems to consider too. Heart rate reserve (HRR) means that you take the difference between your max and your resting heart rate (instead of between your max and zero) and calculate from there. Some gadgets will estimate a different benchmark, like your lactate threshold, and use that as a basis for the zones. So, here are the zone 2 percentages from a variety of popular wearables, along with what they are percentages of:Apple Watch: Zone 2 is 60-70% of your heart rate reserve, with your resting heart rate set to either 72 or a number the watch has picked up automatically, and your maximum calculated with the 220-age formula. (You can choose to set the zones manually, instead.)Fitbit: instead of zone 2, Fitbit devices have a "moderate" zone (formerly called fat burn) set at 40% to 59% of your heart rate reserve. To find your heart rate reserve, your max is calculated according to the "220 minus age" formula, and your resting heart rate is measured by the device. You can set your max and your zones manually if you prefer.Garmin: Depends on your device and on how you've chosen to set up your zones. As a percentage of max heart rate, zone 2 is 73-81%. As a percentage of heart rate reserve, it's 65-75%. And as a percentage of your lactate threshold heart rate (which the watch can automatically detect for you, and which normally falls between zones 4 and 5), it's 79-88% of that heart rate. Note that these numbers won't necessarily line up with each other. A heart rate that is in zone 2 on one of these systems may be in zone 3 on another. And, of course, you can set your max and/or your zones manually.Some other fitness platforms have defined heart rate zones to be used with your training. To name a few:Orangetheory gets its name from the orange zone it wants you to be in during workouts. Its equivalent of zone 2 would be the blue zone, at 61% to 70% of max heart rate. It uses an industry standard formula to determine your max, which Self reports is 208 minus 0.7 times your age. After youve taken 20 classes, an algorithm will pick out a new max heart rate for you.Pelotondefines heart rate zone 2 (no relation to Power Zone 2) as 65% to 75% of your max heart rate. Max heart rate is 220 minus your age unless you adjust it manually in your settings.The American College of Sports Medicine defines light training, arguably its version of zone 2, as 57% to 63% of maximum heart rate. Moderate is 64% to 76%.How do you know which benchmark to use?Rather than obsessing over numbers, think about the big picture and decide what training effect you are trying to achieve with your workouts. If you want to build your endurance with low-intensity cardio, or if you want to rack up minutes in this zone to help with weight loss, it doesnt matter exactly what your heart rate works out to be. What matters is that you can do the exercise for a long time without fatiguing, but that youre also not slacking off and barely doing any work at all.In other words, you can use your gadgets heart rate numbers as a guide, but keep them honest with a reality check based on what fitness professionals call perceived exertion. If you want a number to focus on, you can rate your exertion on a scale of 1 to 10called RPE for rating of perceived exertionand aim for an RPE of about 3 to 4. Over time, youll start to notice what heart rate tends to show on your watch when youre at that level. I know that if my heart rate is in the 150s, Im doing a good job of keeping my jogging to a zone 2" sort of effort. If it pokes up into the 160s at the beginning of a run, thats probably harder than Im going forbut if it hits 160 at the end of a long run on a hot day, thats fine. (Heart rate changes with the temperature and the length of your workout, a phenomenon called cardiac drift.) Ultimately, this is probably the most accurate way of using heart rate to determine exercise intensity: figure out the intensity you want first, and use heart rate as a guide to be able to hit that same intensity on a consistent basis. After all, if there were one correct number that was easy to determine, the different gadgets and platforms would have all gotten on board with it by now. So trust your body more than your watch.