My DM and l have a number of bank accounts/bonds in joint names payable to either or survivor.
Can anyone tell me what this means? She took them out -it is her money- so that if she became unable to manage her finances l could have access to do it for her.
Now she is almost 90 yeras old, a wee bit unfit but with a complete set of marbles. I do not wish it was otherwise but what would happen in the event of her death. Can l empty the accounts to share with my sister or does it have to go to the lawyers dealing with her estate??