Health Savings Account-Health Savings Account Info

Adelaido asked:


I’m Mexican, I’m 23 years old and live with my mom who is in her 40′s. We escaped from Mexico to America because my father wanted to kill us because he discovered that We(my mother and I) had a love affair. Before leaving we stole all the money from his savings accounts and we have been supported of that along these years. Here we have decided to live openly as a couple because nobody know us. We are now illegal, but we are struggling to change our identity and obtain U.S. citizenship. Now I have problems with my mom because since I suggested that we should live as a couple asked her children. At firstShe didn’t wanted it because she said me that our children could be born bad but I tried to convince her and She agreed. The first child was born healthy so we decided to have a second child. When our second child was born, the doctors told us that many of his organs had defectus. I don’t know how but my mom is keep him alive. The money of my father is runnig out for this reason. My first child is 5 years old and the second child 3 years old. My mother and me have been suffered a lot about his health. I’ve worked hardly doing anything to keep him alive. But I haven’t been able to keep a job for long time. My mom studied Accounting but She didn’t finish her studies because she had to care about me that’s the reason because she keep her current job and she is almost to obtain the U.S. citizenship.
Before having my second child she and I spent beautiful moments but since my second child was born and We discovered that he is sick and is almost to die anythings are doing very tense and she threatened me that if I don’t get a good job soon she is going to leave me for another and she told me that she is going to throw me out of home because since we have this lifestyle she is no longer considered herself as my mother. She’s still beautiful and many guys who are after her. She has already brought one of their boyfriends to make me jealous. Sometimes I wish never having seduced my mother. I was afraid of going back to mexico because my father I have already asked for help to my father he told me that whereever he meet me he is going to kill me. I don’t want to miss my children even If I miss my mother. Maybe I wish my second son were dead because I don’t believe he’s going to have a normal life and I don’t see that threatment makes him feel better. She is worried about him as me but she desperate and doing her best to make he survive. Sorry because my grammar my mother sometimes is teaching me but I’m a bad student. What do you recommend?

Verlie Goldfield

SWEETY asked:


He is not all there up stairs and he is not making the right choices for himself.He wrote so many bad checks that the bank wont let him have a checking account anymore.Now he only has a savings account.The only way he can get money out of the bank is go there.He doesnt have a legal car,it will not pass inspection.He never goes to the doctors like hes suppose to.He has health problems and we need to help him now before he kills himself.He needs someone to handle his money for him because he doesn’t know how to bugget himself.O and hes on SSI.How can my boyfriend and I become his “Trustee,Rep Payee”Neither of us want anything more to happen to him.We are on SSDI ourselves but we are doing alot better than him.Its going to be alot for us to handle but we need to help.He wont let the state help him because he doesn’t trust them.Can I also get a lawyer?It would have to be probono though. We really don’t have the money to pay for one.Thanks for any help you can give us in advance.

Jeffie Hibberd

The Wise One asked:


I am having a lot of problems with my daughter in law who my son married 5 years ago. I am convinced she is the reason my son is now not so quick as he used to be (before he met her and when they were married the first year) in helping out his family when there are moments of financial crisis.

My brother (my son’s Uncle) has been drinking a lot of alcohol for quite some time (he is in his mid 50′s). He’s been in jail for drugs and no longer uses, but his drinking is so severe that he cannot work. He is currently on unemployment. When he got out of jail I gave him a place to live and have required that he pays rent which he does. He drinks excessively but I cannot make him stop – he has to want to stop. There is nothing we can do as a family to get him to stop. I am not enabling him because I make him pay rent and he is the only one who will stop drinking- I can’t make him.

He has two children- one is in her 30′s and married with kids and his son is in his mid 20′s. Their Mom is no good. Their Dad (my brother) hasn’t been able to help pay for things for them because of his drinking and he is unemployed because of drinking, so I have helped them out financially. I cosigned on the daughter’s house. I have helped pay for his son’s college.

My son makes more than both of my brother’s kids. I don’t tell him straight out that he needs to contribute to his cousin’s college, but I let him know the situation so that he gets the hint. His cousin almost missed a semester of school because his dad didn’t have enough money to pay for it. I gave him money but I expect my son to help out too- just a couple hundred dollars or more.

Now my brother is very sick from liver failure. His son is almost finished with college and wants to go to law school. Because my brother’s health conditions he has massive medical bills. I am helping out with those. I expect my son to help financially with his cousin’s college and continue to give just a couple hundred dollars a year when he begins law school.

the problem is my daughter in law who is married to my son. She is upset that I am hinting to my son that he should help his cousin out with school expenses. She says that my husband now earns at his new job 20% less than he did at his other job from which he was laid off and that they have two small children who do not have a college savings account at all and that they come first.

I told my husband that I already have a college savings account for them. My daughter in law says that they should not be depending on me to finance their kids college and that because me and my husband have health problems that we might have to dip into the account I set up.

It is not my brother’s kids’ fault that their dad is not able to pay for things for them. I feel my husband has a duty to help out his cousins and that his wife is making excuses and just wants their money for them. My son’s cousins are family and my son has an obligation to them since he earns more money than they do- it is not their fault that the have financial problems.

So I think my son should help them out and when my brother dies I think he is obligated to help out with the funeral expenses too (just a few hundred dollars- why is his wife so upset over this?) because my brother is destitute. This is my son’s family.

How can I convince my daughter in law that she is out of line to object to my son’s helping out his family financially? It’s just a few hundred dollars once a year and always has been.

Harlan Zipperer

Layla asked:


Please bear with me…this is a long ugly story but I would appreciate as much advice as possible. I am a sophomore in college. Last year I went to a different college, a private school far from home it was a lot more expensive than the large university I attend now in my own state.
My father passed away suddenly when I was at my second week freshman yr of college. He had a life insurance plan of $100,000. My mom and him were divorced since I was one years old. My mom’s been remarried since I was three. I was my father’s only child. My dad also had 30,000 in his bank account which I had transferred to my own. I was really not myself when all this was going on–I was a mess about my dad dying a complete MESS. My mom badgered me into investing money in the stock market…I had almost all the 100,000 in the stock market. I thought I had 40,000 of it in a savings account but it turned out to be a mutual fund and I lost that too with the economy crash. The financial guy is this guy who worked with my mom. He is a very fair guy but made a lot of mistakes with my money. I also found out my mom was stealing thousands of dollars from my separate bank account. Please don’t lecture me for not knowing about this…I was stupid but I’ve down up a lot since then. I had a lot of health issues after my dad’s death including horrible stomach pains from stress ulcers over all of this. She was able to steal the money because before my dad died we had her linked to the account “chase college account” so she would be able to give me money when I was at school and needed it. When I found this out–I added it all up with my boyfriend. She would occasionally put the money back but she still owes me over 5000 dollars and she has no way to pay it back now. My mom treats me like crap all the time. She is verbally abusive and I have come to realize that I don’t know why I talk to her. I have no money to pay for college…so I tried talking to her about quitting the track team to get a job waitressing because I need money to pay rent for my apartment at school, food, the electric bill. She does not realize how if I don’t get some money soon I will be in serious trouble. There is still a hope that my stocks will go back up but I lost over 68,000 dollars. I cannot touch the stocks now because it’s not worth it to take it out and get a loss of so much money.
I am wondering what I should do about my mom. She never listens to me and she treats me horribly. She claims she wants what is best for me but I cannot stand her. She is always screaming at me about everything.
What should I do? I feel like I should do what I want, I am twenty years old .it’s my life. I need to get a job so should I just quit the team and get a job? My fear is having no money to pay for my apartment and being forced to move back home. I **** it at home and I wanted my whole life to turn 18 go to college and never have to live with my mom again.
My mom has some issues. This is not just a normal mother daughter not getting along situation. Piled on top of what she did with my money? I’m just not sure what I should do. I’d appreciate any and all thoughts on this.
Also–My dad was one of five and I feel like I should tell my aunts what my mom did and how i lost all my money. They don’t know and my mom guilt trips me into not telling anyone about it. My boyfriend says i’m a victim and I need to get out but what do you think? I should tell my aunts right ? My mom emails my aunts when she thinks i’m being a b****. I feel like they should know why I have a right to be upset and a little frustrated. My stepdad is no help. He and my mom don’t even talk anymore though they live in the same house with my two half siblings. They want a divorce but they can’t afford one.
I just want to be on my own and I feel like I have been a long time coming. I cannot stand my mother anymore and I feel like I shouldn’t have to deal with her issues anymore.

Larry Scoleri

miams asked:


My mom has been divorced since i was born…so 21 years ago. We now live together in an apt sharing rent, food, utilities, etc. She doesnt have a savings account, doesnt have health insurance…she’s just not a very responsible adult. Living together is beneficial financially for both of us, but as soon as i have enough money in my savings account, i am getting my own apt. Whenever i tell her this, she gets upset. I have 2 older sisters. One lives in a different state and the other married. I am the last one of the bunch and she wants to cling on me. I love her, but she treats me like a husband! It’s not a mother/daughter relationship! She wants to know where i spend my money, how much is in my account, she doesnt like when i go out with friends because she feels abandoned. I dont know what to do. It makes me very upset to see her like this…and i am worried about myself also because i dont feel free! I feel like i have to give her an explanation on everything i do!! It’s been driving me crazy!
I appreciate the answers, but i have told her numerous times that i need my privacy. It doesnt work, she doesnt understand…or pretends not to. I am an open person, i say whatever i feel, so she does know how i feel about this situation, but she will not change…she wont. It’s pretty sad and very frustrating. I see her a very selfish person.

Noelia Boehning

Marjery B asked:


I have a strained relationship with 3 brothers, father. The oldest brother, David, had mental health issues. I borrowed him large sums of money for rent/food. No one else supported me, or supported David. They said they couldn’t afford it-debts. David would have been homeless. David started to do well again. He had a good job. He succumbed to his mental illness & killed himself. David’s life insuarnce money is here. He left no beneficiery. A ******* note was addressed to me as next of kin. My Dad turned the money over to me to distribute as diplomatically as possible. My Dad only instructed me to reimburse myself for Brother’s debt to me and my funeral expenses. My other two brothers want ‘thier fair share’ (equal 1/4 of money) like a week ago-they have debts, etc My first inclination is to set up 529C college savings accounts for my children and nieces and nephews that will never know their uncle-and/or donate to mental health research/suicide hotline.

Charlie Goldinger