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[Music] hi Im Denise gierek of the gierek law firm Im making this video so that you can learn some things I see in everyday practice such as you put the kids names on bank accounts to help you out and they end up helping themselves to it why do you do this well one is you just want their help to pay your bills when you cant another is you may want to give that child a gift when you leave this world the problem with this is your kids can draw on against that account once their name is on it the bank would normally have to have the child sign a signature card in order to put their name on it and make it a joint tenancy account but as a joint tenant the child can withdraw money from the account so what if you need the money and youre legally disabled the kids already have access to that money by the time you find out and you cant even get it back maybe they spent it on a new house so the money may not be there when you need it your family may also end up with uneven distributions upo