KNOWLEDGE FINANCIAL.COM
Billions of dollars have been lost. Could some of it be yours?-- UNCLAIMED MONEY, UNCLAIMED PROPERTIES.

Yes the government may owed you money; you may not even know about it.----WWW.KNOWLEDGEFINANCIAL.COM

NAUPA is the association of the state unclaimed property programs, but the databases are located and maintained by each state, not NAUPA. However, most states
participate in Missing money and we suggest that you search there. You may also link to all state databases individually from this Web site by clicking on.  

Answers to Questions about Unclaimed Property

What is unclaimed property?
Unclaimed property (sometimes referred to as abandoned) refers to accounts in financial institutions and companies that have had no activity generated or contact with the
owner for one year or a longer period. Common forms of unclaimed property include savings or checking accounts, stocks, uncashed dividends or payroll checks, refunds,
traveler’s checks, trust distributions, unredeemed money orders or gift certificates (in some states), insurance payments or refunds and life insurance policies, annuities,
certificates of deposit, customer overpayments, utility security deposits, mineral royalty payments, and contents of safe deposit boxes.

What happens to these accounts that have no activity?-----WWW.KNOWLEDGEFINANCIAL.COM
Acting in the best interest of consumers, each state has enacted an unclaimed property statute that protects your funds from reverting back to the company if you have lost
contact with them. These laws instruct companies to turn forgotten funds over to a state official who will then make a diligent effort to find you or your heirs. Most states
hold lost funds until you are found, returning them to you at no cost or for a nominal handling fee upon filing a claim form and verification of your identity. Since it is
impossible to store and maintain all of the contents that are turned over from safe deposit boxes, most states hold periodic auctions and hold the funds obtained from the
sale of the items for the owner. Some states also sell stocks and bonds and return the proceeds to the owner in he same manner.

How do states try to return this money?

State unclaimed property programs publish names of owners in newspapers, set up displays at state fairs, malls, and other public events, work with other public officials such
as legislators and local librarians, and make searchable databases available via the Internet. Unclaimed property officials welcome opportunities to speak to the media and
other groups.
In 2006, over 1.9 million claims were paid to owners totaling at least $1.7 billion.


Companies must send funds from lost accounts to the state of the owner’s last known address. That means you could potentially have unclaimed property in every state that
you have resided. You might want to begin your search on the Internet .Site officially endorsed by the National Association of Unclaimed Property Administrators (NAUPA)
containing the official collective records from most state unclaimed property programs. NAUPA will link you to every state unclaimed property program Web site where you
can search.

How do I keep my property from becoming lost in the future?---- WWW.KNOWLEDGEFINANCIAL.COM

Remember, property becomes lost due to a company having no communication with the owner. You should contact institutions that hold your money or property every year
and especially when there is an address change or change in marital status. For security reasons, most financial institutions do not forward mail. Keep accurate financial
records and record all insurance policies, bank account numbers with bank names and addresses, types of accounts, stock certificates, and rent and utility deposits.
Cash all checks for dividends, wages, and insurance settlements without delay.
Respond to requests for confirmation of account balances and stockholder proxies.
If you have a safe deposit box, record its number, bank name and address, and give the extra key to a trusted person.
Finally, prepare and file a will detailing the disposition of your assets.
Does the Federal Government hold unclaimed property?
Yes, but only in federal agencies such as the Internal Revenue Service, HUD mortgage insurance refunds, pensions, and U.S. Savings Bonds to name a few.

Additionally, millions of Americans are holding more than 35 million U.S. Savings Bonds that have fully matured. Some have lost bonds. Others have forgotten about their
bonds. Still others think their bonds continue to earn interest. The value of these bonds is nearly $15 billion and continues to rise.

When savings bonds are sold, the Bureau of the Public Debt collects the name and address of the bond owner. These names and addresses are literally buried within five
billion microfilm issuance records. The vast majority of microfilm records are not indexed and practically inaccessible. As a result, nobody is actively searching for the
owners of more than 35 million matured unredeemed savings bonds.------WWW.KNOWLEDGEFINANCIAL.COM

Operation Rightful Owner is a joint effort between the National Association of State Treasurers and the National Association of Unclaimed Property Administrators to
introduce legislation in Congress that will leverage state unclaimed property programs in partnership with the Federal government to reunite owners with their matured
unredeemed savings bonds. We will keep you updated about this important project that we hope will ultimately reach out to owners of more than 35 million matured
unredeemed savings bonds and facilitate their claims to redeem bonds. A key part of the effort will be the creation of a national searchable database.
State Agencies
State governments working together
to safeguard and return your lost funds.  ----KNOWLEDGEFINANCIAL.COM


                                                 
Can I search for myself, my family or a business?
You can do an individual, family or business search. An individual search is based upon your last name (current or prior
name) and your full or partial first name. A family search only requires last name. The Business search just requires
entering your business name in the last name field.


Who can I search for?
Anyone. However, you may only file a claim for property that belongs to you or for which you are the legal heir. If you are a
business owner, you may also file on behalf of your business.


What if I have a common name?
Our web site will return a maximum of 200 results per search. You can narrow down your search results by specifying
the City and/or State where you have lived. See "Advanced Search" and "Exact Match" below.


Advanced Search You can restrict the records you are interested in searching by selecting a single State from the list.
You can also filter the results to only show records where the city begins with some value. These are all very useful to
filter results for common names.  --------KNOWLEDGEFINANCIAL.COM


Exact Match You can turn this feature on by clicking the 'Exact' check box on the Search Results page. (This option is only
available after you have performed a search, it is not available from the Home Page). With this checked, it will only return
records where the entire first and last name match what you enter. With this option turned off (blank in the check box),
then records with a similar first name will also appear in the list.


Save Time, Set Up Profiles You can set up Profiles for yourself, your family and your friends (remember to include any
maiden or previous names). To set up search profiles click on the "Create / Maintain Profiles" menu option under 'My
Profiles' to add additional profiles. If you are not signed in or not yet a member, click on the "Log In" or "Join" option under
'My Profiles'.


Can I search for my deceased family members?

Yes you can. Join as a member and set up a profile for each family member you would like to search. Only the rightful heir
can claim the property.


How often can I search?  ------KNOWLEDGEFINANCIAL.COM

You may search as often as you like.


What if I don't see my property listed? Link to the non-participating state websites from our homepage, click 'State
Contact Information' on the left hand side of the home page. On the next page you will see a US Map, click on the state that
you wish to search and you will link to that state's Unclaimed Property Page enabling you to search there directly. You
should also try searching the federal agency web sites by linking from our 'Other Links'. Also, try checking back with
MissingMoney.com monthly as new states and new records are continually added.


When is the information updated? Unclaimed property records are continually updated in the MissingMoney database. If
you don't find your missing money today, remember to come back and check often.


How long does it take to receive my money? -----KNOWLEDGEFINANCIAL.COM

Claims processing time frames vary from state to state and by property type based upon claim activity. (Usually between
4 - 16 weeks)


How do I find out about the status of my claim? Once a claim has been filed with the state, the state is responsible for your
paper work. All specific questions should be address directly to the state in which your claim has been filed.


How do I know if the match listed is mine? Is this a state that you may have resided in? Do you recognize the name of the
company listed? Remember, you will need to submit proof that you are eligible.




                                                                       
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UNCLAIMED MONEY, UNCLAIMED PROPERTY, THE FORGOTTEN TREASURE SEATING IN THE HANDS OF THE STATES GOVERNMENT COULD BE YOURS OR TO SOMEONE
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UNCLAIMED MONEY, UNCLAIMED PROPERTY,
THE FORGOTTEN TREASURE SEATING IN THE
HANDS OF THE STATES GOVERNMENT
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Billions of dollars have been lost. Could some of it
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What is a will and what is living trust? How does a
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UNCLAIMED MONEY, UNCLAIMED PROPERTY, THE FORGOTTEN TREASURE SEATING IN THE HANDS
OF THE STATES GOVERNMENT COULD BE YOURS OR TO SOMEONE YOU MAY KNOW!
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Fortune International
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----------------------------------------

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US Economy, Pension Plans retire early, retire
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AND AFTER DEATH.


INSURANCE 101:  EVERYTHING YOU
NEED TO KNOW ABOUT INSURANCE.
LEARN  HOW WIN THE INSURANCE  
GAME...