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hi im michelle welcome back to finally revealed in this video i want to elaborate a little bit more on a subject i covered previously in another video and that first video was about joint accounts and how joint accounts work i had a question that was posed by a viewer and i wanted to address that and the question was how or can you and if you can how do you designate a pay on death for a joint account it was a really good question and it was the answer was just longer than i could type out it needs to be an article so i want to address it here there are different types of joint accounts depending upon where you live because each individual state has their own property laws and joint accounts are a kind of property its kind of personal property and how they are owned and how they are transferred and how they are pledged and how they are inherited is different but based upon where you live so you need to ask some questions if youre moving into a new state and the words that they use