I don't have that experience, but it is virtually impossible to get people over a certain age to change, but the fire senario is your best chance. The concept of finance is probably too abstract.

EDIT: Any change purchasing silver & gold would work? It is easier to protect from fire than paper & is historically a pretty decent investment. Additionally, if his anti-bank is kind of conservative anti-establishment, gold is typically preferred.

We did have an aunt that made sure to keep a substantial amount at her home, but I wouldn't call it hoarding in the same sense. It was though like a treasure hunt cleaning her home after she passed.

That said, if he is doing this for a real long time, he may have trouble spending some of the older printings due to their lack of anti-counterfeiting parts. While old currency is still legal tender, businesses do reserve the ability to have policies on accepting cash payments.

Suggestion on discretion: if it would be possible to install a floor safe in basement concrete, that would be discrete and provides excellent fire protection.

Inheritance isn't taxed federally unless you are talking huge dollars. The purpose of informing the IRS on deposits over 10k is to look for patterns that may show tax fraud, not occasional stuff. EDIT: thanks to the comments - I remember now it is cash deposits that have to be reported.

Over the past several years I've been involved with finalizing several family estates and never had a problem with larger transfers of funds.

EDIT:. Just a notion, first if she is writing the checks, it's not inheritance but gifts. Many older people are still under the incorrect understanding you have you can only give 10k a year without gift taxes. The level is now over 11million over her lifetime where reporting is required if over 15k in a single year. Did the checks have dates in two separate calendar years?

If the blue represents the new supports & the black is what you are cutting out, you have an issue. The supports won't support what you are cutting out. It MIGHT be doable if you can add joist parallel to the cut one but any time you adjust the actual support structure, you need some professional advice from an engineering direction.

I'm also confused by how placing a projector that high will angle the image correctly. Yes, I know they have electronic keystone correction.

While I'm not finding a specific regulation specifically focusing on this, the zero payments until the end of the loan term, Dodd-Frank did include consumer protections that appear to have impacted such loans. Prior to Dodd Frank many firms offered zero interest zero payment options. Afterward, these same firms only offered zero interest with ongoing payments. Through the early 2000s I used to buy furniture & similar consumer products and make no payments until a month or two before the loan was due. It worked for me, but those either less financially disciplined or of lesser financial capability often found themselves owing something at the end and having to pay all the terms interest.

Much of Dodd Frank was repelled in 2018.

Read the paperwork you signed. It will identify the terms. My suspicion is it offered a minimum payment, not a payoff payment and a fixed term. I agree this is a shady way of doing a loan & actually thought it had become illegal after the changes following the great recession, but i guess those rules were rescinded during the last administration. Most such loans used to not require any payments and as long as you paid it off before the due date, there was no interest BUT if you didn't the entire interest charges became due. It was a great system for me, to use someone else's money free, but a sizable percentage did not pay it on time & were stuck