This column first appeared in the San Antonio Express News on April 24, 2017. Dear Mr. Premack: I currently have a special and general Power of Attorney from my wife, in order to close on a home equity loan. My bank had recently informed me that they could not close on the loan due to fact that I'm using a POA. I'm retired military and had the POA done at the Judge Advocate’s office in Germany. I wanted to ask if there is a way I can close the loan using a POA or do I need a

Dear Mr. Premack: Although I am 92, I have kept up with and use a computer regularly. My son has helped me to establish online banking accounts, credit card information, email, Facebook, pictures and a lot more. I’m enjoying it very much. Yesterday my son asked how I am keeping my passwords, and we started wondering if my son could legally access all my computer files if I become disabled. Do you have any suggestions? – J.K. Your situation would not have been a topic even fiv

Custodial Accounts for Grandchildren Dear Mr. Premack: A savings account is established in a credit union for my three granddaughters. My will states that the money is in a trust. I do not see how my executor can even have the power to handle this account if she is not listed on my account. I am confused about this, in case of my death how does the bank handle this matter? – LCA There are two answers. First: If the account “established… for my three granddaughters” is already