Monograph Descriptions

  •     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. [APX-07, 17 pages]  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
  • FREE  Rebate Yourself: (FIND MI$$ING MONEYTHIS INFORMATION MAY BE VERY IMPORTANT TO YOU OR SOMEONE YOU KNOW.) 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 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 and advice and tips to successfully navigate this process. Tell your friends to come to our website and read the 5-pages themselves. Just read  “Rebate Yourself“(click here) [RBY-11, 5 pages] for an easy-to-read formatted copy, or read the article below.



Rebate Yourself–Find Missing Money (Entire 4-5 page article printed here):

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 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 funds due you or someone you know. Take
this seriously, since you may benefit from it. 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.[1] In too many cases
states are not finding the rightful owners. States today want to keep 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).[2]
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[3] (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.”[4] If you live in
Minnesota, the Department of Commerce is holding onto $606 million[5] in unclaimed
assets for 57,000[6] people or businesses—you might be one of those rightful owners

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[7] Both and[8] also allow you to
search states individually. Search both sites, as money may be found on one and not the
other[9]. 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 $30,317 so far that was due them (money that we know of,
that others informed us of their good fortune. Many others never told us we helped them
find unclaimed assets. Perhaps they were afraid they thought they would have to share
part of it with us, which we would never accept. It’s not our money. We can understand
this natural inclination and it does not bother us). Finding money is legitimate, free, and
is not a scam. If you are skeptical, and I wouldn’t blame you since many people are these
days, 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 in bringing 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, if you wish,
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.) Besides the afore-mentioned $3,000, I found over $1,000 for one parishioner and
$435 for another. I also 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 also 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
could not find her since she moved (I don’t think they tried searching very hard, since
searching costs money in time and labor), 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. However, you don’t have to go this route. You don’t have to pay someone a 10%
fee. Just do it yourself or get someone else to help you and type in your name and state
and match it up with an address. It’s uncomplicated, and you fill out a government form
that you can download and print when you find property for the name you are searching.
If you still feel skittish, personally call or visit your state’s department that holds
unclaimed funds. 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 state Treasury
Department. Since we are a mobile society, search numerous states, Canadian provinces,
and other countries as well. Search in those cities where 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. You might just find money for expenses or your favorite

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 deeply 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 penned—hand 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 trying, 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 and 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 just as happy to keep 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. If you find money because of my help, you might find yourself in a
state of ecstasy and decide to purchase and read our award-winning memoir, Yorkville
Twins (which make great gifts, by the way), thereby helping our personal economy, too.
(However, there is no obligation.) Our book has been adopted for the fourth consecutive
year as required reading for freshmen at college campuses in New York in classes called,
“Critical Inquiry: The Immigration Experience in New York City.”

In the past, I have 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. I’m fine with this. It’s not my money. Why
should your state or government keep it? Exercise that inner detective within you. 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 (website:


On our Yorkville Twins website, find “Order” at the top of the page, find Monographs
below, select “RBY-11” “Rebate Yourself—Find Missing Money” and 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 social media. Help other people find their “pot of
gold.” Other free monographs are available, including “Book Club” discussion questions.

1 Chatzky, Jean, “Does your state owe you money?” AARP The Magazine 57, no. 2b, (February/March 2014): 30.
2 Bjorhus, Jennifer. “Unclaimed cash stashed by state; Total hit $606 million after Minnesota cut back its efforts to find assets rightful owners.” Star Tribune. [Minneapolis, MN] 31 Aug. 2014;1A.
3 Chatzky, 30.
4 Ibid.
5 “State-By-State, Minnesota, Minneapolis.” USA Today (September 2, 2014): 4A.
6 Bjorhus, 1A.
7 Chatzky, 30.
8 Ibid.
9 Ibid.
10 Gindele, Joseph and John. Yorkville Twins: Hilarious Adventures Growing Up in New York City, 1944-1962. Golden Valley [MN]: Golden Valley Publishing, First Edition, © 2012. [328 pp.]
Gindele, Joseph and John. Yorkville Twins: Growing Up in New York City in the 1940s, 1950s, and 1960s. Golden Valley [MN]: Golden Valley Publishing, Revised Edition, © 2015. [320 pp.]

For those interested in learning a little 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 newly revised memoir by retired teachers Joe and John Gindele,
twin sons born of Czech and German immigrants in a family of seven during World War
II. It is the story of their 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, with a passion for life. Loaded with hundreds
of insightful anecdotes (and 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’ (sweet rolls–in essence meaning no rewards)].” This was the immigrant mantra that built this 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 them into being who
they 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 heartily, long and out loud. Hold your breath!
Here comes trouble!

The book price is $19.95. However you can obtain a signed copy for $17.95 ($aving 10% or $2.00) by purchasing it now directly from GVP with your credit card (or use PayPal) on our
secure website, taking advantage of and using the coupon/voucher code “wrist.” You may
also order it by mailing a check or money order (make check payable in U.S. funds to
“Golden Valley Publishing”) 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 MN address, add the $4.00 s/h and $1.30 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 freshmen college students for four consecutive years, Yorkville Twins was a WINNER in the prestigious 23rd annual Midwest Book Awards in the Social Science category from books submitted by authors from 12 Midwestern states.