DB THREAD - PROPERTY Barney, like many retirees, is looking forward to enjoying the reward of his labor as well as the fruits of his investments in relative comfort. Although, one cannot control economic down shifts that undermine 401Ks, diminish stock portfolios or plummet real estate markets to unprecedented lows; it behooves all to seek out wise financial counsel. Anything can happen in financial management and investing. Wisdom, awareness, education and personal responsibility are necessary tools to hopefully ensure one’s retirement planning stays on target. “Fools think they need no advice, but the wise listen to others” Proverbs 12: 15 (New Living Translation). Regretfully, for Barney, he appears to become complacent over the years and allowed his investments to rather flounder unsupervised. The scripture is clear; we are responsible for our actions as well as our in-actions or sadly, complacency. “Look carefully then how you walk. Live purposefully and worthily and accurately, not as the unwise and witless, but as wise (sensible, intelligent people)…..Therefore do not be vague and thoughtless and foolish, but understanding and firmly grasping what the will of the Lord is” Ephesians 5: 15 and 17 (Amplified Bible). Barney’s joint tenancy with a right of survivorship with old friends appears to have hit a snag. One of the deceased owner’s sons, Opie, has assumed his father’s interest as denoted in his father’s will. Furthermore, the son utilized his perceived property as collateral for personal loans of which he is in default and legal action is foreclosing upon the property. Opie as well as his lender will soon find out in litigation, Opie’s father’s interest in the property is divided between the surviving members at his passing. Simply put, all interests in the property is Barney’s as sole survivor not heirs; the principle of joint tenancy with right to