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Every year across the United States, billions of dollars go unclaimed. These assets are held by state and federal Treasuries until their rightful owners are found. Anyone who has lived or worked in A Guide to Unclaimed the United States can Cash and Property check these financial repositories to see if any dollars are owed to them or a family member. Here’s an overview: Unclaimed assets arise from a wide range of sources. Unclaimed cash can come from a variety of incomplete financial transactions, including abandoned bank accounts, uncashed checks from previous employers, investment dividends, utility overpayments, insurance company payouts, and uncollected security deposits. Estate settlements and safety deposit boxes also can yield unclaimed property. Sometimes owners can’t be tracked down. A change in residence, marital status, or employment can result in undelivered mail, which in turn can lead to unredeemed payments. Businesses are required by law to make reasonable (Financial cont’d on pg 2)
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(Financial cont’d from pg 1) the claim will be paid by
efforts to reunite owners with their assets. Uncollected cash and property must be turned over to the government following the legal “dormancy” period. Unclaimed assets often sit unclaimed in government coffers because the owners are not aware of their existence. Online databases make it easy to search for unclaimed assets. Anyone can find out if they have unclaimed cash or property owed to them or a family member. They can do so by searching the free online databases operated by the states in which they have lived, worked, invested, or conducted business. The National Association of Unclaimed Property Administrators (NAUPA) maintains a list of unclaimed property websites for all 50 states at www.unclaimed.org. The federal government also provides a list of databases of unclaimed money at www.usa.gov/ unclaimed-money. Periodic searches, especially following a life event change such as a move, change of employment, or name change, can reveal unclaimed assets. The claims process starts online. Claimants will be asked to substantiate their right to the property. This process often requires uploading or mailing documentation that proves ownership. If the claimant is the rightful owner,
check or direct deposit.
Duane J Lusson, CFP, ChFC, CLU, MSFS, is a Private Wealth Advisor with Ameriprise Financial Services, Inc. in Ottumwa, Iowa. He specializes in fee-based financial planning and asset management strategies and has been in practice for 30 years. To contact him, call 641-684-4200 or stop by his office at 527 W. Second in Ottumwa, Iowa. Ameriprise Financial cannot guarantee future financial results Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser. Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2023 Ameriprise Financial, Inc. All rights reserved. File #6036175
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You Can Not Eat Pictures I have had our trail cameras out for several months, mostly looking for that buck of a lifetime, but also enjoying pictures of all the other wildlife on the farm. Early scouting with cameras will let a person know where deer are going bigger deer. It took the as well as which ones live here. When the rut wind out of my sails, but I was very happy for starts, these routines him. At this point in his all change. Bucks that life, he bow hunts for a normally travel off the trophy only. It must be main trails and try to an exceptional buck for stay hidden are now him to take it. boldly going down the At 4:30 Satwell-traveled paths at all times of the day and urday morning, Billie stood up from his bed night. Bucks that have never been seen before and let out a quiet, will wander in, compet- “woof.” Zane said he would be out early, and ing for the attention of he certainly was. He the local does. A bow parked by the garage, hunter, hunting during gathered his gear, and the rut, has a better Ray’s headed toward his tree chance of getting his Longbranch buck by hunting where stand we had set up Homemade 1/2 lb. Tenderloins the day before. It was & Hamburgers the does are travelling Drakesville, IA • 722-3355 near the top gate, on and hanging out. Where the far side of the lake. there are does, there With the spotting scope, but no trophies. Zane will be bucks. has set up a couple we could watch if any This year, more stands and I have having pinched a nerve big bucks were going through the gate. It put out two more camin my back just before added to the excitement eras. We know the big bow season, I am not bucks are out there. It able to bow hunt. I have for me since I could is just a matter of being instead been living the not be there in person. in the right place at the Though one giant buck experience vicariously had been going up the right time. If he is not through my grandson. hill and through the gate in the right stand when I went out to help him the big boy comes by, hang a stand where my each morning at about perhaps my camera will 7:30 for the last three wife and I have been capture the picture. A watching the deer travel mornings, since there person cannot eat the was somebody there on a regular basis. to meet him, he did not picture or mount those The extent of my asantlers on the wall, but sistance with the stand show up. There is no such thing as predicting it is the best I can do amounted to handing right now. parts to Zane from the a buck during the rut. A Ranger. A large, mature few does and a couple buck has been passing small bucks passed by, through there almost daily, following the scent left by all the does that pass by. Zane has gotten deer every year since he was about eight years old, while hunting with me or his dad. Some of the bucks he has harvested are beauties. One year, I shot a big buck, close to the biggest deer I ever got. I was thinking seriously about having it mounted. A few minutes later, Zane got an even
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