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@PATAX wrote:

@rbynaker I just cannot comprehend how people can be so irresponsible. Is it genetic or is it the way they were brought up? SMH.

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I had one client (who thankfully moved to FL and I got to fire her) who would just dump a pile of unopened envelopes on me each year and I could almost guarantee that there would be at least one dividend check included.  Most of them were stale so I'd give them back to her and tell her to call the company and have them reissued (I don't know or care if she actually did, she clearly had constructive receipt!)