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• Savings certificates • Trust funds • Individual retirement accounts • Keogh plans • Credit union accounts • Prepaid funeral agreements • Stocks • Bonds • Virtual currency is also known as cryptocurrency, such as Bitcoin • Nursing home accounts 2605.10.00 OWNERSHIP OF RESOURCES The owner of a resource is any individual who has the ability to liquidate or dispose of the resource. A resource can be solely or jointly owned. 2605.10.05 JOINT OWNERSHIP OF RESOURCES Joint ownership of resources, consisting of real or personal property, exists when the right to liquidate or dispose of the property is shared by more than one individual. Joint ownership is indicated by entering "Y" on the Liquid Asset-Details page. The full amount is entered for each individual in the case who owns part of the resource. Then the joint ownership screen comes up for each joint owner. If the resource is jointly owned by a married couple, one-half of the resource is to be entered for each spouse on the jointly owned resources screen. Otherwise, the entry on the screen depends on the type of resource, as explained below. When any type of account held in a financial institution is jointly owned, the worker is to presume that all of the funds belong to each owner. The individuals are to be advised of this presumption and given the opportunity to rebut it. If an applicant/recipient rebuts, they are responsible for providing proof of ownership of the funds, which includes a record of deposits and withdrawals from the account. Following a successful rebuttal, the funds must be separated and placed in separate accounts. Only the funds actually belonging to the applicant/recipient will then be counted as a resource to them and entered on the Liquid Resources screen. This procedure applies whether or not the joint owners are all applying for or receiving assistance. If the funds are not separated, the balance is counted in its entirety by each joint owner. In addition to bank accounts, other real and personal property may be jointly owned. If an applicant/recipient owns real property or non-liquid personal property with another applicant/recipient of any assistance program, the real/personal property resources screen is to be completed for EACH owner. Then proportionate shares of the property are to be assigned to the joint owners on the Jointly Owned Resources screen. The percentage amount of the share owned by each individual is entered on