Page 18 THE MALDEN ADVOCATE–Friday, July 15, 2022 avy eniiooravvy S iorn or avvyavy vvy io iori by Jim Miller How to Find and Claim Your Family’s Forgotten Assets Dear Savvy Senior, A while back I read an article about some online tools that can help people search for lost or forgotten money left behind by their deceased relatives, but I’ve misplaced it. Can you help me with this? My mom, who passed away in January, was always bad about keeping up with her money, so I’m wondering if there was anything she left behind. Searching Son Dear Searching, Forgotten or lost money is actually very common in the United States. According to the National Association of Unclaimed Property Administrators, there are literally billions of dollars in unclaimed funds sitting in state treasuries and other agencies just waiting to be found. These unclaimed funds are from accounts that are inactive or whose owners, or their heirs, cannot be located. Unclaimed funds can include things like lost or forgotten saving or checking accounts, stocks, utility security deposits, tax refunds, life insurance policy proceeds, un-cashed dividend checks, matured savings bonds and much more. This typically happens because of a change of address (the owner moved), a name change (the owner got married or divorced), or the owner dies, and the estate was unaware of the money or the heirs could not be located. By law, companies and fi nancial institutions that can’t fi nd the owner or their next of kin within two to fi ve years must turn the property over to the state where it’s held indefi nitely. Where to Search About 10 percent of all Americans have some unclaimed money out there waiting to be found, so it’s very possible your mother had some too. To start your search, go to Unclaimed.org, which has links to all state programs that will let you do a state benefi ts search online for free. Or you can do a multi-state search in 39 states at MissingMoney.com. Be sure to check every state in which your mother lived, worked or did business. Also, make sure to check under your mom’s maiden name, and if she had a frequently misspelled name, search those misspellings too. Using her fi rst initial and her last name is also encouraged to make sure everything comes up. Every state can tell you immediately if your mom has some unclaimed money, as well as how to go about collecting it. Look Here Too In addition to state treasuries, here are some other resources that can help you look for unclaimed money that may have been overlooked. Forgotten retirement benefi ts: To search for lost or forgotten 401(k) funds your mom may have left behind with an old employer, use the National Registry of Unclaimed Retirement Benefi ts at UnclaimedRetirementBenefi ts.com. Or to search for lost pension benefi ts, use the Pension Benefi t Guaranty Corporation trusteed plan search tool at PBGC.gov/search-trusteed-plans. Lost life insurance: To track down a lost or forgotten life insurance policy, the National Association of Insurance Commissioners, an insurance regulatory support organization, off ers a free policy locator service at https://eapps.naic.org/life-policy-locator. Unredeemed savings bonds: It’s very common for people to lose track of U.S. saving bonds because they are often given to children as gifts, then forgotten before the bonds reach maturity. To fi nd out if your mom had any, the U.S. Department of the Treasury provides an online search tool at TreasuryHunt.gov for fi nding matured, uncashed savings bonds over 30 years old and no longer earning interest. Federal tax refunds: Each year thousands of refund checks totaling millions of dollars are returned to the IRS by the post offi ce. To look for lost Federal tax refund checks go to IRS.gov/refunds or call 800-829-1954. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. OBITUARY Paul Michael DeVincentis Of Malden passed away Monday, July 11th 2022. Paul was born May 10th 1978, the son of Paul and Marie DeVincentis. After high school he went on to get his master’s degree at Salem State College and taught in schools in Malden as well as Cambridge. Paul was also the high school swim coach leading them to many GBL Championships and even earning the award Coach of the Year. Paul is survived by his parents Paul and Marie DeVincentis, his siblings Gregg DeVincentis and his wife Katie of Peabody, Jenna Clough and her husband David of Malden, his nieces and nephews Dylan, Chase, LEGAL NOTICE CONTRACT 2022-S-1 2022 SEWER LINING PROGRAM MALDEN, MASSACHUSETTS INVITATION TO BID THE CITY OF MALDEN invites sealed bids for Contract 2022-S-1 of its 2022 Sewer Lining Program. Bids will be received at the office of the Malden Engineering Department, 215 Pleasant Street, 3rd Floor – Room 340, Malden, MA 02148, until 1:30 PM local time on Thursday, August 11, 2022 and at that place and time will be publicly opened and read aloud. In general, the work of this contract shall consist of pipeline cleaning, and video inspection, followed by cure-in-place pipe (CIPP) lining of sanitary sewers on various throughout Malden, Ma. The pipelines to be CIPP lined will be determined based on a review of the initial cleaning and CCTV video of the various sewer lines. The City has compiled a list of approximately 28,000 linear feet of sewer lines that will be initially cleaned and videoed. As the videos are completed the City will review the videos and select the pipes to be lined. For bidding purposes, the City anticipates approximately 19,000 linear feet of pipe will be lined. This work will also consist of sewer manhole rehabilitation along with other appurtenant items. Contract Documents will become available Thursday, July 21, 2022 and may be examined and/ or obtained at the office of the Malden Engineering Department, 215 Pleasant Street, 3rd Floor – Room 340, Malden, MA 02148, Monday through Thursday, 9:00 AM to 4:00 PM. City offices are closed on Fridays. A deposit in the form of a check payable to the “City of Malden, Massachusetts” in the amount of $50.00 will be required for each set of the Contract Documents. A refund of the deposit will be made for Contract Documents returned in good condition within 4 weeks after bids are received. Bidder’s requesting Contract Documents by mail shall include an additional non-refundable check payable to “Hayner/Swanson, Inc.” in the amount of $40.00 per set to cover handling and mailing costs. The bids shall be prepared and submitted in accordance with the Instructions to Bidders. Bids must be accompanied by a bid security, satisfactory to the City, in the amount of five percent (5%) of the total bid. The bid security shall be in the form of a bid bond issued by a company licensed to do business in the Commonwealth; or a certified, treasurer’s or cashier’s check, issued by a responsible bank or trust company, payable to the “City of Malden, Massachusetts”. Cash deposits will not be accepted. A Performance Bond and a Labor and Materials Payment Bond in the amount of one hundred percent (100%) of the bid will be required of the successful bidder. Contracts for work under this Proposal will obligate the Contractor and Subcontractors to comply with applicable Federal, State and local provisions regarding prevailing wage rates, insurances, labor, equal employment opportunity, anti-discrimination and affirmative action. The City of Malden may use federal funds to pay for portions of the work to be completed under this project. Because of this, Contractors and Subcontractors working on this project must be registered in “The System of Award Management” (sam.gov). Bidders must include evidence of their active registration in sam.gov with their bid. Bids may be held by the City of Malden for a period not to exceed sixty (60) calendar days from the date of the opening of bids for the purpose of reviewing the bids and investigating the qualifications of bidders, prior to awarding the Contract. The City of Malden reserves the right to waive any informalities or to reject any or all bids received if deemed to be in their best interest. CITY OF MALDEN BY Yem Lip, P.E. City Engineer Malden Engineering Department July 15, 2022 Gabriella, Gregg Jr., Elle and Eva as well as many uncles, aunts, cousins and friends who will miss him dearly. A memorial service for Paul will be held at the Weir MacCuish Funeral Home located at144 Salem Street Malden MA on Saturday, July 16th 2022 from 10-12 with services at 12. In lieu of fl owers consider making a donation in Paul’s name to the American Diabetes Association https://diabetes.org/ LEGAL NOTICE
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