Monograph Descriptions


You or someone you know may have money waiting to be claimed from a state government (or Canadian province). Millions of Americans have hundreds of dollars each waiting for them in state treasuries holding billions of dollars in unclaimed property. This money is from forgotten stocks and bonds, unclaimed dividends or uncanceled paychecks, annuities, forgotten bank accounts, safe deposit boxes, interest, insurance policies, wages, bonuses, travelers’ checks, utility and other deposits. One out of every eight adults has money due them. There are no fees; it is legitimate, free, quick, and easy for you to search a public/government database from the privacy of your home or at the library. (Check with your tax preparer, attorney, police or librarian, and they will all tell you this is a legitimate and free undertaking.) Discover the possibilities and rewards. We give stories below and advice and tips to successfully navigate this process. View or print this free 5-page article. Share this information with others face-to-face, by email, phone, your seasonal letter or greeting cards, or by the Internet and social media. Help other people find their “pot of gold.” Direct your friends to our website to read the article. Read the paragraphs below or click here on  “Rebate Yourself” for an easier-to-read formatted copy.

[Many articles have been written about this topic. A recent supporting article by Sandra Block in Kiplinger’s Personal Finance, September 2017, pp.11-12, is called, “Track Down Your Forgotten Cash: States and government agencies are holding $40 billion. Is some of it yours?”]

Rebate Yourself–Find Missing Money

Please send your family, friends, and business associates to our website to view and print this FREE 5-page “Rebate Yourself—Find Missing Money” report. Or, copy/paste the article below and mail or email it to them so they too can start searching for and finding missing money or unclaimed property. They will thank you for it.

Do you have assets coming to you? Are You REALLY Sure?
Rebate Yourself: Find Your Missing Money

You may have missing money or unclaimed property due you or someone you know. This represents “. . . cash or other assets considered lost or abandoned when an owner can’t be found.” [1]. Each state has laws instructing companies and financial institutions to turn any unclaimed funds over to them after a certain period of time, where they are responsible for finding the rightful owners.[2] In too many cases states are not finding the rightful owners. States today then hold on to your money to bolster their budgets; they passed legislation to limit people finding their treasure by no longer annually publishing names of people with unclaimed property (once required by law).[3] Citizens therefore have to be diligent in searching for and finding the money themselves.

missing money or unclaimed funds

State governments are holding $42 billion in unclaimed funds[4] (more if you include Canadian provinces). Over 38 million Americans (1 in 8) have money coming to them from state treasuries. “In 2011, in fact, 2.5 million claims were filed and $2.25 billion was returned to its rightful owners, an average of $892 per claim.”[5] According to the National Association of Unclaimed Property Administrators [NAUPA], “In 2015, unclaimed property agencies in the U.S. collected $7.8 billion and returned $3.2 billion to rightful owners.[6] State agencies keep these funds indefinitely (except for safe deposit boxes).[7] If you live in Minnesota, the Department of Commerce is holding onto $606 million[8] in unclaimed assets for 57,000[9] people and businesses—you might be one of those rightful owners yourself.

The Federal government also holds unclaimed funds. “The IRS…has about $1 billion in unclaimed funds for people who failed to file a tax return. This year, the average unclaimed fund was $763. You have three years after the return should have been filed to claim your refund; after that, it belongs to Uncle Sam.”[10]

Where does this money come from? The money may be from dividends, annuities, utility and other security deposits. They may be from uncancelled paychecks, lost stock certificates, dormant bank accounts or safe deposit boxes. Perhaps you have money due you from an insurance policy, uncollected death benefits, or even an inheritance. Do a free, quick and easy Internet search at home or at your local library. Get onto the two government websites below, then type in your name, names of your family members—and don’t forget maiden names—and friends and colleagues at work, your religious institution, community associations, and businesses in your community. Also search for property for deceased people. Search not only your state, but other states as well. Multiple states (40 or more) can be searched at once with one click on[11] Both and[12] also allow you to search states individually. Search both sites, as money may be found on one and not the other.[13]. Search numerous times a year. Databases are continually updated.

John and I went to a recent funeral. The 94 year-old father of one of our parishioners died. His name was George. One of his daughters gave the eulogy. She talked about her dad and mom when they lived on Drew Avenue in Minneapolis. Her mom passed away a number of years earlier, and her name was listed in the Remembrance card. I went home and typed in George and his last name. No unclaimed property or funds appeared for him, but his wife’s name was listed three times with her address on Drew Avenue. Listed were two companies with three accounts, with each account owing her over $100. I alerted this family and they later told me they received $3,000 after filing for those unclaimed funds. They couldn’t believe it and it cost them nothing. The filing is effortless and secure. It is truly amazing! Like most people, they never thought they had money owed them.

I have helped friends, relatives, parishioners and members of associations that John and/or I belong to, and found over $33,317 so far that was due them.  Finding money yourself is legitimate, free, and is not a scam. If you are skeptical, check with your attorney, tax preparer, local police department or favorite librarian. All of them will tell you this is a legitimate undertaking and legitimate websites. You alone deal directly, privately and securely with your state. I don’t get involved in any way except to bring this information to your attention as I have done here. Being a retired teacher, I enjoy doing this as a public service. If you find money you can donate part of it to your favorite charity or religious institution. A few years ago I went through 459 names of parishioners in our Church Directory and found 12 names that I contacted that had $100 or more coming to them. (In Minnesota, if you have money due to you, the state lists it at either above $100 or below $100; no fixed dollar amount is shown. Other states, like South Carolina, will publicly report the asset to the nearest penny.) I also found over $1,000 for one parishioner and $435 for another. I found $4,000 for the sister of another parishioner who had insurance money waiting for her from an old forgotten business claim that she didn’t know she won after her business closed. I found money for two brothers of our priest, as well as one of my doctors and children of my attorney. The first parishioner thought it might be a scam and found out otherwise. Her parents had died in Minneapolis many years ago and there was an insurance policy left to her. The insurance company couldn’t find her since she moved, so by law after so many years, the company was required to turn the money over to the state.

The Internet lists services that claim they can help you find money—but they charge for their service. In most cases this is legitimate, after all, they are in business to make money. Be careful, though, since there are scammers out there preying on vulnerable people claiming they can help them find their money; they solicit a fee along with personal data.[14] However, you don’t have to go this route. You don’t have to pay someone a 10% fee and provide sensitive information. Just do it yourself or get typing in your name and a state and match it up with an address they list for you. It’s not complicated, and you fill out a government form that you can download and print when you find property. You can also personally call or visit your state’s department that holds unclaimed funds, but first do some preliminary searching. If you find unclaimed money/ property in Minnesota, you will deal with the Department of Commerce in St. Paul. In other states you deal with that states Treasury Department. In any case, “The treasurer, comptroller, or auditor of each state maintains a list of abandoned property and runs an online database that anyone can search by name for free.”[15] Since we are a mobile society, start by searching “all states and [Canadian] provinces” before you search individual states. Then search in those cities where you, your children, grandchildren, or other family members have lived, moved, worked or gone to school. They might have money left in old bank accounts or rental or utility deposits. Search regularly, since the database is updated frequently. TIP: Search your old address books for names; save those address books—they are valuable assets. Be diligent in finding, recording and using middle names or initials. They can help refine and pinpoint your search, especially if you are searching common names like “Johnson,” “Anderson,” or “Smith,” etc. Search various spellings of your first and last name (i.e.: J., Joe, Joseph, etc.). Sometimes there might be money waiting for you with a misspelling of your first or last name (i.e., Joeseph). Try various entries. Try searching for your last name first. You will get the greatest hits. Then enter first names to narrow your search.

I received this email from a teacher friend who I was happy to help find missing money:


Thanks for the tip on the missing $$ issue. Turns out my mother (deceased) had unclaimed $$. It took a bit of effort, but the $$ showed up in the mail yesterday. Unfortunately, it’s not enough to do something wild and crazy, but it will cover a day’s worth of 24-hour care for my 98-year old dad.



I remember in the early 1950s when I was very young. I was on a scavenger hunt and found an old bank passbook buried deep in my mom’s dresser drawer. The last date of interest added was sometime in the early 1940s (in fact, the interest in those early days was actually pennedhand printed—into the bank book, and it was around 0.75% or so). I showed it to mom and said it might be valuable. For some reason she didn’t think it was worth pursuing, that it was too old and the money wouldn’t be there anymore. We took it to the bank anyway and, after being validated, they added years of interest. We walked out with over $600 and closed the account. So, you never know. Just remember, you don’t win contests unless you enter them.

Far too many people are skeptical and resigned to the fact that they might not have unclaimed funds, saying, “Oh! There’s no money out there for me. I’m smart. Why should there be missing money for my family or me? I know where all my money is!” But how do you really know unless you check into it? And it costs you nothing but a little time and effort to look into the matter. The state is happy to hold onto your money as it generates interest for them and additional funding, and we all know government always seems to be in need of revenue. If you find money and decide to spend it, you will be helping the economy. You might even decide to purchase and read our award-winning memoir, Yorkville Twins,[16] which also make great inexpensive gifts. Our book has been adopted for four consecutive years as required reading for college students in New York in classes called, “The Immigration Experience in New York City.”

In the past, I’ve included copies of this “Rebate Yourself” message with my Christmas/Birthday and other cards. I know I have helped others who I don’t even know—far beyond my immediate family and friends. Why should your state or government keep it? Exercise that inner detective within you, while having fun too. Build our economy, help others including your children or grandchildren, and bring a smile to their faces. Good luck and happy hunting! Joe (& John) Gindele, the Yorkville Twins

[1] Bergal, Jenni. “Unclaimed property scam sweeping across the U.S: Run if you are asked to pay a fee or for personal data.” [Minneapolis] Star Tribune. (May 14, 2017).

[2] Chatzky, Jean. “Does your state owe you money?” AARP The Magazine, 57, no. 2b, (February/March 2014): 30.

[3] Bjorhus, Jennifer. “Unclaimed cash stashed by state: Total hit $606 million after Minnesota cut back its efforts to find assets rightful owners.” [Minneapolis] Star Tribune. (August 31, 2014): 1A.

[4] Chatzky, 30.

[5] Ibid.

[6] Bergal.

[7] Ibid.

[8] “State-By-State, Minnesota, Minneapolis.” USA Today (September 2, 2014): 4A.

[9] Bjorhus, 1A.

[10] Block, Sandra. “Track down your forgotten cash: States and government agencies are holding $40 billion. Is some of it yours? Kiplinger’s Personal Finance. (September 2017): 12.

[11] Chatzky, 30.

[12] Ibid.

[13] Ibid.

[14] Bergal.

[15] Ibid.

[16] Gindele, Joseph and John. Yorkville Twins: Growing Up in New York City in the 1940s, 1950s, and 1960s. Golden Valley [MN]: Golden Valley Publishing, LLC, Revised Edition, 2015. [320 pp.] Gindele, Joseph and John. Yorkville Twins: Hilarious Adventures Growing Up in New York City, 1944-1962. Golden Valley [MN]: Golden Valley Publishing, LLC, First Edition, 2012. [328 pp.].

For those interested in learning more about our award-winning* book…

Yorkville Twins: Growing Up in New York City in the 1940s, 1950s, and 1960s [ISBN: 978-0-9839337-6-2] is a memoir by retired twin teachers Joe and John Gindele, born of Czech and German immigrants [remarkable parents who lived an unremarkable life.] in a family of seven during World War II. It is the story of our adventures and misadventures, struggles and successes growing up over 70 years ago on Manhattan’s Upper East Side in a tough ethnic neighborhood called Yorkville. This is not a heroic story, but one of love, discipline, hard work and sacrifice, tenacity and ingenuity to become productive members of society. It is the story of two imperfect and somewhat crazy guys—who think and work outside the box—with a passion for life. Loaded with hundreds of insightful anecdotes including over 100 vintage photos, it is serious, tragic, educational, entertaining, and historical—yet full of humor, wisdom, and frank talk, [Mom use to say, “B e z   p r ác e   n e j s o u   k o l ác e . ”   “Without work, there are no ‘kolaches’.” (Czech sweet rolls, in essence, without work there are no rewards). This was the immigrant mantra that built our country!]

More than a memoir of a 1950s working class neighborhood, it is about life rich in friendships and those experiences and observations that have shaped us into being who we are. It is the story of the realization of the ultimate dream immigrant parents wanted for their children in this great country called America. Devotees of Bill Bryson, Garrison Keillor, Thomas Pryor and others who recount memories of their childhoods will love this book. Expect to (1) Renew childhood memories, (2) Live the immigrant experience, and (3) Have lots of fun laughing long and out loud. (Ya Sure! You Betcha!) Hold your breath! Here comes trouble!

The book price is $19.95. However you can obtain a copy autographed by both authors for just $16.95 ($aving 15% or $3.00) by purchasing it now from GVP with your credit card (using our secure PayPal service) through our website using the discount coupon/voucher code “humor.” You don’t need a PayPal account to purchase the book through our website. If you prefer, you may order it by mailing a check or money order (made payable in U.S. funds to “Golden Valley Publishing, LLC”) with this code “humor” to: Golden Valley Publishing, LLC-RBY, 8014 Olson Memorial Highway, # 243, Golden Valley, MN 55427. Add $4.00/book shipping/handling. For delivery to a Minnesota address, add an additional $1.50 MN tax.

A NEW interactive $9.95 eBook is now available from Books can be read on Kindle, iPhone, iPad, Android, Blackberry, Windows Phone, PC and Mac. People have requested this digital edition of Yorkville Twins and we are pleased to offer it. Download it NOW from


*Besides being adopted as required reading for college students, Yorkville Twins was honored winning an award at the prestigious 23rd annual Midwest Book Awards (Social Science category) from books submitted by authors from 12 Midwestern states.


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  • Our saga of adventure, self-discovery, and growth continues. If you enjoyed reading Yorkville Twins, please let us know—and let others know, too. Consider letting your friends and relatives know what you thought about the book. Ask your local librarian to order a book for their collection so others might also enjoy reading it. We offer FREE materials, including Book Club discussion questions, to complement the book. Monographs are focused single-topic articles that you can read and print on your computer.We believe the reader will find our Monographs as a group just as rich as our book, with hundreds of insightful, fun and informative anecdotes and experiences. Read your FREE monographs now.
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    FREE  Appendix “C” (“Live” interactive websites, and more): Simply “click” on any website or email address and it will instantly appear on your computer. Copy and paste the search terms. Save time and energy and avoid typing errors—no need to retype 201 websites, email addresses or search terms. They are all here for you to access anytime—quick, easy, and convenient. Appendix “C” will be periodically updated and expanded. This is even easier for those of you who purchase our new (December 2015; ISBN: 978-0-9839337-9-3) interactive eBook, as merely clicking on the URL or email address will instantaneously bring up an image or You-Tube video. The interactive eBook is now available on