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Some of my friends recommend clenching and unclenching my buttocks during the exam. Personally, I prefer not to receive advice about my hindquarters during times of stress.

Account Ownership Types

Account Ownership Types

Individual Accounts

Individual Accounts are accounts for—you guessed it—individuals,” Marge stated. “Only the individual named on the account can make decisions for the account (unless a signed discretionary authorization form is on file), and upon death of the account holder, any assets in the account pass directly to the named beneficiary of the account (bypassing probate court, incidentally).”

“Wait a sec, what if somebody wants their spouse to have access to their individual ac...

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