
In a world where scammers work harder than most of us do at our day jobs, seniors have become the prime targets for these entrepreneurial criminals. While fraud is no laughing matter, perhaps a touch of humor might make these warnings more memorable.
Move over, ugly Christmas sweaters and fruitcakes! There’s a new gift in town that’ll make your family say, “Wow, you really DO love us!”
What I’m referring to are the two primary types of beneficiary designations for certain types of accounts, namely Payable-on-Death (POD) and Transfer-on-Death (TOD) designations.

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