Wednesday, January 15, 2014
Update: A Lesson Learned in Redeeming Will's Savings Bonds
A recent update: you will see below that I had to send the bonds to the Bureau of Public Debt after being certified by a bank officer. The paperwork was sent back to us (they are holding onto the bonds) because Frank had not signed the papers (he is co-guardian). I usually am the only one who has to sign if I am doing something. Even though the bonds did not have Frank's name on them as well, because he is co-guardian he had to have his name certified on the form as well. So make sure all guardians sign and certify the '1522' before mailing.
I found a few savings bonds for Will the other day and decided to cash them in since he is below the maximum money allowed in his account for his SSI payments (cashing them in would not bring him over the max either). So off I go to the bank with his guardianship papers and bonds. Treasury Direct to make sure the teller and I understand how to redeem them. It has to be done by mailing them in, unsigned, with a certified copy of the guardianship paper, a form #1522 which I filled out, and then it needs to be signed by a CERTIFYING OFFICER with MEDALLION STAMPS from a bank. After the Bureau of Public Debt receives them, it may take between 3 - 4 weeks for the money to be deposited in his account. They cannot be cashed. I did find out later that MAYBE if I needed them right away, if Will had gone to the bank with me and somehow answered the bank teller that it was OK to cash, he could have gotten the money immediately. These savings bonds can also be re-issued. "We must reissue a bond in these situations: to correct a major error, for a court-ordered change, when you change the beneficiary, when you change who owns or co-owns the bond."
Please check with Treasury Direct for information. If you are holding any savings bonds for your child and maybe looking at guardianship down the road, you may want to speak to someone at your bank or call Treasury Direct for advice.
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4 Signs of Caregiving Stress Overload
ElderCarelink email posts 4 signs that should not be overlooked by you, the caregiver, or a close family member or friend. They report that even though the immediate caregiver may not be helping in direct care, the mind is never far from the needs of the older person, thinking about meals, falling, medications. Take the opinion of a family member or friend if they are telling you that you are stressed. Four signs: you skip your own physicals; you isolate yourself from others; you eat and/or drink too much for good health; you are short tempered with the elder, your spouse or your children. If any or all of these sound familiar, take a break no matter how short in order to recharge. For more information on caregiver stress see ElderCarelink
You can check out my ranting and stream of consciousness writing about looking at adult service providers with Will.
A Caregiver's Poem
I was looking through a 'Caregiver's Blog: Senior Care Support' and came across a poem that was shared by a writer, Dana, from the blog. The poem was written by Becky Netherland and Dana's grandmother shared it with her. I thought it was great and there is not much to say about it - just read!!! Enjoy!!
(picture from Caregivers Blog)
I’ve traveled paths you’ve yet to walk
Learned lessons old and new
And now this wisdom of my life
I’m blessed to share with you
Let kindness spread like sunshine
Embrace those who are sad
Respect their dignity, give them joy
And leave them feeling glad
Forgive those who might hurt you
And though you have your pride
Listen closely to their viewpoint
Try to see the other side
Walk softly when you’re angry
Try not to take offense
Invoke your sense of humor
Laughter’s power is immense!
Express what you are feeling
Your beliefs you should uphold
Don’t shy away from what is right
Be courageous and be bold
Keep hope right in your pocket
It will guide you day by day
Take it out when it is needed
When it’s near, you’ll find a way
Remember friends and family
Of which you are a precious part
Love deeply and love truly
Give freely from your heart
The world is far from perfect
There’s conflict and there’s strife
But you still can make a difference
By how you live your life
And so I’m very blessed to know
The wonders you will do
Because you are my granddaughter
And I believe in you.
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