My late husband bought EE Bonds for each of four children; however, some of the four have more bonds than the others. How or where can I even this up without having to buy new bonds? Some of them are fairly close to maturity.

This depends on the names in which the EE U.S. savings bonds were issued. At the time of purchase, a bond can be registered to a single person (“single ownership”) or to two people (“co-ownership”), or it can be registered to a primary owner and a beneficiary (“beneficiary”). In the case of co-ownership, either named individual can do whatever he or she likes with the bond without consent of the other person; if one dies, the other becomes the single …

What does the term “managed care” mean with regard to health insurance?

The easiest way to define managed care is to compare it with traditional health care. Under traditional health care, doctors and hospitals are independent of each other. Doctors and hospitals set their own fees for services. You can go to any doctor you choose, and you are responsible for determining if your doctor is qualified to provide the care you need.

Under managed care, doctors and hospitals, as well as other health care providers, agree to work together through health …

How can I organize my personal and financial papers in case of an emergency?

Organizing your personal and financial documents in case of emergency is a smart thing to do. Having these documents organized and available will help get your finances on track in the event of a crisis such as a death in the family or recovery following a natural disaster.

The Emergency Financial First Aid Kit at http://www.operationhope.org/images/uploads/Files/effak2.pdf is an excellent tool to get your papers in order.

You may also want to create a “Grab ‘n’ Go” box that is portable, …