{"id":28998,"date":"2024-10-02T11:15:00","date_gmt":"2024-10-02T09:15:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=28998"},"modified":"2024-10-21T12:12:12","modified_gmt":"2024-10-21T10:12:12","slug":"aider-proche-age-gestion-argent","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/aider-proche-age-gestion-argent\/","title":{"rendered":"J'aide un proche \u00e2g\u00e9 \u00e0 g\u00e9rer son argent"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">L\u2019aide ou l\u2019assistance apport\u00e9e \u00e0 un proche dans la gestion de ses finances d\u00e9pend en g\u00e9n\u00e9ral de ses capacit\u00e9s physiques et mentales. Si votre proche est plut\u00f4t autonome, vous pouvez toujours lui rappeler les r\u00e9flexes simples et quelques bonnes pratiques : suivre son compte r\u00e9guli\u00e8rement, ne pas r\u00e9pondre aux sollicitations, ne jamais donner ses codes, mot de passe et identifiant bancaire, suivre les conseils s\u00e9curit\u00e9 de sa banque, bien g\u00e9rer son budget et ses d\u00e9penses... Et si son \u00e9tat physique ou mental se d\u00e9grade, des solutions existent comme la procuration ou encore la tutelle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3 bonnes raisons d'aider un parent \u00e2g\u00e9 \u00e0 g\u00e9rer son argent<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chacun de nous peut un jour devoir aider un proche \u00e2g\u00e9. L'entraide familiale s'applique aussi dans la <strong>gestion de l'argent<\/strong>. Aussi en cas de <strong>fratrie<\/strong>, il est utile de coop\u00e9rer et <strong>communiquer <\/strong>sur ce qui est fait par les uns et les autres.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/iRqK-tkTtpU?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"Les bonnes raisons d&amp;apos;aider un parent \u00e2g\u00e9 \u00e0 g\u00e9rer son argent\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">1 - Limiter les achats inutiles <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une <strong>personne \u00e2g\u00e9e<\/strong> est plus facilement <strong>influen\u00e7able <\/strong>et peut \u00eatre amen\u00e9e \u00e0 faire des <strong>achats non n\u00e9cessaires, sans regarder les prix<\/strong>. Ou encore, elle peut avoir des <strong>pertes de m\u00e9moire <\/strong>et<strong> ne plus se souvenir de ses achats.<\/strong> Il est donc utile de<strong> suivre r\u00e9guli\u00e8rement ses comptes <\/strong>avec elle, notamment pour pouvoir si besoin, utiliser \u00e0 temps l'\u00e9ventuel <strong>d\u00e9lai de r\u00e9tractation<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2 - Eviter les arnaques<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Etre victime d'une <strong>fraude <\/strong>est pour chacun traumatisant et injuste. C'est encore pire quand les <strong>escrocs <\/strong>s'en prennent \u00e0 nos proches <strong>plus vuln\u00e9rables<\/strong> qui parfois ont de petites pensions. Ce sont pour eux des cibles<strong> <\/strong>plus faciles. Tout type d'arnaque peut les atteindre comme celles li\u00e9es aux sites de rencontre ou \u00e0 la perte de droits, par exemple l'<strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.ameli.fr\/assure\/droits-demarches\/principes\/attention-appels-courriels-sms-frauduleux\" target=\"_blank\">arnaque \u00e0 la carte vitale<\/a><\/strong>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3 - Assurer le respect de ses droits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Assister son parent dans ses d\u00e9marches va permettre d'assurer qu'il <strong>ne paie pas plus qu'il ne doit <\/strong>et qu'il<strong> per\u00e7oit bien toutes les <\/strong><a href=\"https:\/\/mes-aides.gouv.fr\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>aides <\/strong>auxquelles il a droit<\/a>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voil\u00e0 pourquoi quand nos parents deviennent vuln\u00e9rables, ils ont besoin d'aide et d'accompagnement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les cl\u00e9s pour aider, sans trop s\u2019immiscer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Votre parent \u00e2g\u00e9 a d\u00e9j\u00e0 fait des achats impulsifs&nbsp;? A \u00e9t\u00e9 victime d\u2019une arnaque&nbsp;? Ou alors vous craignez que \u00e7a arrive&nbsp;? Ce qui suit va vous int\u00e9resser&nbsp;! <\/p>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/dwlOQ2mZ1Ic?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"Les cl\u00e9s pour aider un proche \u00e2g\u00e9 \u00e0 g\u00e9rer son argent, sans trop s\u2019immiscer\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">1 - Contre les arnaques, rien de tel que la pr\u00e9vention&nbsp;!<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Suivez l\u2019actualit\u00e9 et partagez avec votre proche les <strong>arnaques <\/strong>les plus r\u00e9centes et aussi les plus courantes. Comme les <strong>d\u00e9marcheurs<\/strong>, les appels de <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/fraude-faux-conseiller\/\" target=\"_blank\"><strong>faux conseillers<\/strong> <strong>bancaires<\/strong><\/a>, ou le <strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/phishing-le-reconnaitre-leviter\/\" target=\"_blank\">phishing<\/a> <\/strong>sur Internet, etc. Les exemples ne manquent pas&nbsp;! <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Incitez-le \u00e0 vous contacter au moindre doute et ensuite <strong>v\u00e9rifiez avec lui<\/strong> ! Et enfin, il n\u2019y a jamais d\u2019urgence vitale \u00e0 d\u00e9cider d\u2019un achat ou d\u2019une souscription de service.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2 - Lui recommander de bien comparer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Comparer les prix<\/strong>, faire attention aux <strong>fausses promotions<\/strong>, c\u2019est un r\u00e9flexe valable pour tous les achats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez aussi l\u2019accompagner dans sa recherche en magasin ou sur Internet. C\u2019est l\u2019occasion de partager des moments ensemble.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3 - Lui conseiller d'adapter le fonctionnement de sa carte bancaire<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il est possible d\u2019<strong>abaisser <\/strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/plafonds-carte\/\" target=\"_blank\"><strong>les<\/strong> <strong>plafonds<\/strong><\/a><strong> <\/strong>pour les retraits, pour les paiements, et de les <strong>ajuster<\/strong> si besoin par la suite. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est facile par exemple de <strong>restreindre l\u2019utilisation de la carte <\/strong>au territoire fran\u00e7ais s'il ne voyage pas\u2026 ou alors de <strong>bloquer les achats \u00e0 distance<\/strong>, s\u2019il n\u2019en fait jamais. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez aussi <strong>activer des<\/strong> <strong>alertes <\/strong>en cas de d\u00e9passement de seuils\u2026&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4 - Mettre en place une procuration bancaire<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Elle permettra de d\u00e9panner votre a\u00een\u00e9 en cas de besoin. Cette <strong><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-procuration-sur-compte-bancaire\/\" target=\"_blank\" rel=\"noreferrer noopener\">procuration<\/a> <\/strong>peut \u00eatre <strong>limit\u00e9e <\/strong>\u00e0 une op\u00e9ration sp\u00e9cifique ou elle peut \u00eatre <strong>g\u00e9n\u00e9rale <\/strong>sur un ou plusieurs de ses comptes. Vous pourrez alors acc\u00e9der aux services de sa <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/banque-a-distance-10-reflexes-securite\/\" target=\"_blank\" rel=\"noreferrer noopener\">banque \u00e0 distance<\/a>, r\u00e9aliser des op\u00e9rations\u2026<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5 - Faire une demande de curatelle ou de tutelle<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de d\u00e9gradation ou d'<strong>alt\u00e9ration de ses<\/strong> <strong>facult\u00e9s mentales<\/strong>, vous devrez peut-\u00eatre envisager de contacter un <strong>juge <\/strong>pour mettre en place une <strong>protection judiciaire<\/strong>. L\u2019objectif est de <strong>pr\u00e9server son<\/strong> <strong>patrimoine <\/strong>quand la personne n\u2019est plus en \u00e9tat de veiller sur ses propres int\u00e9r\u00eats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> Et oui... pas si facile d\u2019aider un proche dans ses finances\u2026 mais des solutions existent ! \ud83d\ude09<strong><em> <\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Etre tuteur familial : t\u00e9moignage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Devenir <strong>tuteur <\/strong>ne s'improvise pas. <strong>La mise sous tutelle<\/strong> peut vraiment d\u00e9bloquer des situations, pour le bien de la <strong>personne vuln\u00e9rable<\/strong> qui se retrouve ainsi prot\u00e9g\u00e9e. Cette mission entra\u00eene cependant certaines <strong>responsabilit\u00e9s<\/strong> et n\u00e9cessite du temps. Nous avons rencontr\u00e9 Michel, tuteur familial pour sa s\u0153ur a\u00een\u00e9e. Souffrant de troubles <strong>bipolaires<\/strong>, celle-ci n'arrivait plus \u00e0 raisonner de mani\u00e8re appropri\u00e9e et autonome. Il intervient r\u00e9guli\u00e8rement en tant que tuteur pour <strong>agir \u00e0 sa place<\/strong>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Michel, tuteur familial<\/h3>\n\n\n\n<p class=\"has-text-align-center has-vivid-cyan-blue-color has-text-color wp-block-paragraph\" style=\"font-size:24px\"><em>\"Face \u00e0 l'\u00e9tat de ma s\u0153ur, on a d\u00e9cid\u00e9 avec mes fr\u00e8res de saisir le juge pour <br>demander une mesure de protection, une tutelle.\"<\/em><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<div class=\"wp-block-image is-style-default\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"498\" height=\"486\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/tuteur.png\" alt=\"\" class=\"wp-image-31594\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/tuteur.png 498w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/tuteur-300x293.png 300w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/tuteur-82x80.png 82w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/tuteur-482x470.png 482w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/tuteur-307x300.png 307w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/tuteur-256x250.png 256w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/tuteur-51x50.png 51w\" sizes=\"auto, (max-width: 498px) 100vw, 498px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:47.7%\">\n<p class=\"has-text-align-center has-normal-font-size wp-block-paragraph\">\"Je voyais bien que ma s\u0153ur avait <strong>perdu<\/strong> <strong>ses rep\u00e8res et ses facult\u00e9s mentales<\/strong> en g\u00e9n\u00e9ral... elle ne s'alimentait plus, elle achetait tout et n'importe quoi... en m\u00eame temps, elle <strong>oubliait de payer ses<\/strong> <strong>factures<\/strong> <strong>et ses charges<\/strong>... C'\u00e9tait vraiment urgent que je puisse agir \u00e0 sa place. Il fallait lui trouver un <strong>h\u00e9bergement adapt\u00e9<\/strong> car elle ne pouvait plus rester seule chez elle.<\/p>\n\n\n\n<p class=\"has-text-align-center has-normal-font-size wp-block-paragraph\">On a fait constater son \u00e9tat par un <strong>m\u00e9decin<\/strong>. Je me suis propos\u00e9 pour \u00eatre le tuteur... Cela a \u00e9t\u00e9 valid\u00e9 par un <strong>conseil de famille, devant le juge<\/strong>, et en pr\u00e9sence de ma s\u0153ur.  <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">J'ai r\u00e9gl\u00e9 les charges, les factures qui trainaient... Et pour payer la <strong>maison de retraite<\/strong>, j'ai demand\u00e9 la vente de son 2 pi\u00e8ces. J'ai investi la majorit\u00e9 de ce capital sur des <strong>fonds garantis<\/strong>, au sein d'une <strong>assurance-vie<\/strong>. D'ailleurs, avec cette vente, elle a de quoi <strong>financer ses<\/strong> <strong>soins<\/strong> et son h\u00e9bergement pendant plusieurs ann\u00e9es... \"<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Anne, conseill\u00e8re bancaire<\/h3>\n\n\n\n<p class=\"has-text-align-center has-vivid-cyan-blue-color has-text-color wp-block-paragraph\" style=\"font-size:24px\"><em>\"<em>La banque dispose le plus souvent d'un service d\u00e9di\u00e9 aux majeurs prot\u00e9g\u00e9s<\/em>. Il accueille le tuteur pour faire avec lui un point d'ensemble sur le budget et le patrimoine de la personne prot\u00e9g\u00e9e.\"<\/em><\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:47.7%\">\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\"A r\u00e9ception du <strong>jugement de mise sous tutelle<\/strong>, la banque note bien s\u00fbr les <strong>coordonn\u00e9es du tuteur<\/strong>. Avec lui, elle v\u00e9rifie l'ensemble des <strong>produits et services bancaires<\/strong> pour les adapter \u00e0 la nouvelle situation du client, personne d\u00e9sormais sous tutelle.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, le <strong>ch\u00e9quier <\/strong>indique le nom du majeur prot\u00e9g\u00e9 mais avec la mention \"<em>sous tutelle de<\/em> \" suivi du nom du tuteur... Celui-ci peut acc\u00e9der au service de <strong>banque \u00e0 distance<\/strong>, avec ses propres codes de connexion, g\u00e9rer le compte, communiquer avec le conseiller bancaire... etc.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Le tuteur peut mettre en place des <strong>pr\u00e9l\u00e8vements automatiques<\/strong> pour payer les charges ou factures r\u00e9currentes ou encore <strong>payer par virement.<\/strong>\"<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40.6%\">\n<figure data-wp-interactive=\"cdb\/lightbox\" class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"702\" height=\"687\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle.png\" alt=\"\" class=\"wp-image-31587\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle.png 702w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle-300x294.png 300w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle-582x570.png 582w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle-286x281.png 286w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle-82x80.png 82w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle-480x470.png 480w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle-307x300.png 307w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle-255x250.png 255w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle-51x50.png 51w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/banque-tutelle-550x538.png 550w\" sizes=\"auto, (max-width: 702px) 100vw, 702px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Michel, tuteur familial<\/h3>\n\n\n\n<p class=\"has-text-align-center has-vivid-cyan-blue-color has-text-color wp-block-paragraph\" style=\"font-size:24px\"><em>\"Etre tuteur, c'est une contrainte r\u00e9guli\u00e8re... <\/em><br><em>On ne peut pas s'engager l\u00e0-dedans \u00e0 la l\u00e9g\u00e8re.\"<\/em><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<div class=\"wp-block-image is-style-default\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"514\" height=\"491\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/mains-tuteur.png\" alt=\"\" class=\"wp-image-31592\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/mains-tuteur.png 514w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/mains-tuteur-300x287.png 300w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/mains-tuteur-84x80.png 84w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/mains-tuteur-492x470.png 492w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/mains-tuteur-314x300.png 314w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/mains-tuteur-262x250.png 262w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/07\/mains-tuteur-52x50.png 52w\" sizes=\"auto, (max-width: 514px) 100vw, 514px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:47.7%\">\n<p class=\"has-text-align-center has-normal-font-size wp-block-paragraph\">\"Je dois veiller aux int\u00e9r\u00eats de ma s\u0153ur en g\u00e9n\u00e9ral. Au quotidien, je v\u00e9rifie qu'elle per\u00e7oit bien ses revenus, et je g\u00e8re les <strong>d\u00e9penses courantes<\/strong> : <strong>factures <\/strong>de la maison de retraite, aussi la <strong>prise en charge <\/strong>globale : soins, examens, m\u00e9dicaments... notamment avec la <strong>s\u00e9curit\u00e9 sociale<\/strong>, la <strong>mutuelle<\/strong>... C'est aussi moi qui m'occupe de sa <strong>d\u00e9claration de revenus<\/strong> pour les imp\u00f4ts...<\/p>\n\n\n\n<p class=\"has-text-align-center has-normal-font-size wp-block-paragraph\">Mais toute d\u00e9cision importante n\u00e9cessite l'<strong>accord du juge<\/strong> par exemple pour<strong> une <strong>vente<\/strong>, un <strong>placement<\/strong>, une <strong>donation<\/strong>...<\/strong> ou m\u00eame si je dois <strong>transf\u00e9rer de l'argent<\/strong> du compte d'\u00e9pargne vers le compte de d\u00e9p\u00f4t : je dois avoir une <strong>ordonnance <\/strong>du juge. Il ne faut donc pas s'y prendre \u00e0 la derni\u00e8re minute.\"<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-cdb-medium-blue-background-color has-text-color has-background wp-block-paragraph\" style=\"color:#ffffff\"><strong>La mission de tuteur <\/strong><br><br>Chaque fin d'ann\u00e9e, le tuteur doit adresser un <strong>compte annuel de gestion d\u00e9taill\u00e9<\/strong> au juge avec les justificatifs : situation du<strong> compte bancaire<\/strong>, de son <strong>budget <\/strong>(d\u00e9penses et ressources), situation des <strong>livrets <\/strong>et des <strong>placements<\/strong>... <br><br>En principe, la mission de <strong>tuteur <\/strong>est gratuite. Le tuteur peut demander une <strong>indemnit\u00e9 de d\u00e9dommagement<\/strong>, pour la vente d'un appartement, par exemple, il s'agit l\u00e0 d'un acte qui sort de la gestion ordinaire.  Sinon, le tuteur peut avoir droit au<strong> remboursement des frais<\/strong> qu'il est amen\u00e9 \u00e0 engager, par exemple, pour des photocopies. <br><br>L'engagement de <strong>tuteur familial<\/strong> dure en g\u00e9n\u00e9ral 5 ans, renouvelables. Le jour o\u00f9 il ne se sent plus capable de continuer, le tuteur le signale au juge pour qu'il le <strong>d\u00e9charge de la tutelle<\/strong>. Le juge peut alors d\u00e9signer un<strong> tuteur professionnel<\/strong>, <strong>mandataire de justice<\/strong>, pour s'occuper des affaires du majeur prot\u00e9g\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quiz  <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vous avez bien suivi le module \"J'aide un proche \u00e2g\u00e9 \u00e0 g\u00e9rer son argent\"?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nous vous proposons un petit quiz rapide pour r\u00e9capituler tout cela. C'est parti !<\/p>\n\n\n<section class=\"quizBlock quizBlock--step\" data-wp-interactive=\"cdb\/quiz\" data-wp-context=\"{&quot;displayMode&quot;:&quot;step&quot;,&quot;shuffleQuestions&quot;:false,&quot;shuffleAnswers&quot;:false,&quot;intervals&quot;:[{&quot;uid&quot;:&quot;i1&quot;,&quot;min&quot;:0,&quot;max&quot;:69,&quot;title&quot;:&quot;&quot;,&quot;text&quot;:&quot;Oups !\\n\\u003Cp\\u003ECe n\\u0027est pas encore \u00e7a ... Vous avez un peu de temps devant vous ?\\nUne petite r\u00e9vision ne serait pas inutile.\\nConsultez notre \\u003Ca rel=\\u0022noopener\\u0022 href=\\u0022https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/06\/QUIZ-RECAP-Aider-proche-gerer-argent.pdf\\u0022\\u003Er\u00e9capitulatif \\u003C\/a\\u003Epour ne rien oublier !\\u0022\\u003C\/p\\u003E&quot;,&quot;image&quot;:&quot;&quot;,&quot;linkUrl&quot;:&quot;&quot;,&quot;linkLabel&quot;:&quot;&quot;},{&quot;uid&quot;:&quot;i2&quot;,&quot;min&quot;:70,&quot;max&quot;:100,&quot;title&quot;:&quot;&quot;,&quot;text&quot;:&quot;F\u00e9licitations !\\n\\u003Cp\\u003EVous avez saisi... ou \u00e0 peu pr\u00e8s. Aider un proche ne se fait pas \u00e0 la l\u00e9g\u00e8re. Consultez notre \\u003Ca rel=\\u0022noopener\\u0022 href=\\u0022https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/06\/QUIZ-RECAP-Aider-proche-gerer-argent.pdf\\u0022\\u003Er\u00e9capitulatif \\u003C\/a\\u003Epour ne rien oublier !\\u003C\/p\\u003E&quot;,&quot;image&quot;:&quot;&quot;,&quot;linkUrl&quot;:&quot;&quot;,&quot;linkLabel&quot;:&quot;&quot;}],&quot;labels&quot;:{&quot;questionCounter&quot;:&quot;Question {current} sur {total}&quot;,&quot;previous&quot;:&quot;Pr\u00e9c\u00e9dent&quot;,&quot;next&quot;:&quot;Suivant&quot;,&quot;submit&quot;:&quot;Voir mon r\u00e9sultat&quot;,&quot;restart&quot;:&quot;Recommencer le quiz&quot;,&quot;answerRequired&quot;:&quot;S\u00e9lectionnez au moins une r\u00e9ponse pour continuer.&quot;,&quot;score&quot;:&quot;Votre score : {score} \/ {total}&quot;,&quot;recapTitle&quot;:&quot;D\u00e9tail de vos r\u00e9ponses&quot;,&quot;correct&quot;:&quot;Bonne r\u00e9ponse&quot;,&quot;incorrect&quot;:&quot;Mauvaise r\u00e9ponse&quot;,&quot;expectedAnswers&quot;:&quot;R\u00e9ponse attendue :&quot;,&quot;check&quot;:&quot;Valider ma r\u00e9ponse&quot;}}\" data-wp-init=\"callbacks.init\"><div class=\"quizBlock__intro\">L\u2019aide ou l\u2019assistance accord\u00e9e \u00e0 un proche dans la gestion de ses finances va d\u00e9pendre de ses facult\u00e9s physiques et mentales et de son autonomie dans la gestion de son budget et de ses affaires. Pas question de s'immiscer pour autant.<\/div><noscript><p class=\"quizBlock__noscript\">Ce quiz n\u00e9cessite JavaScript pour \u00eatre valid\u00e9 et corrig\u00e9.<\/p><\/noscript><div class=\"quizBlock__progress\" hidden><p class=\"quizBlock__progressText\" aria-live=\"polite\"><\/p><div class=\"quizBlock__progressBar\" role=\"progressbar\" aria-valuemin=\"0\" aria-valuemax=\"10\" aria-valuenow=\"0\"><div class=\"quizBlock__progressFill\"><\/div><\/div><\/div><form class=\"quizBlock__form\" novalidate data-wp-on--submit=\"actions.submit\" data-wp-on--change=\"actions.change\"><fieldset class=\"quizBlock__question\" data-question-uid=\"q120\" data-type=\"single\"><legend class=\"quizBlock__legend\">Les personnes \u00e2g\u00e9es m\u00e9ritent un accompagnement dans leurs finances personnelles parce que :<\/legend><img decoding=\"async\" class=\"quizBlock__questionImage\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/assurance-vie-retraite-_BD-300x200.jpg?_t=1718635102\" alt=\"\" loading=\"lazy\"><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q120\" value=\"a333\" data-correct=\"0\"><span class=\"quizBlock__answerText\">c'est l\u00e9galement obligatoire<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q120\" value=\"a334\" data-correct=\"1\"><span class=\"quizBlock__answerText\">elles sont plus souvent la cible d'escrocs<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q120\" value=\"a335\" data-correct=\"0\"><span class=\"quizBlock__answerText\">elles sont perdues d\u00e8s qu'elles sont \u00e0 la retraite<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est \u00e7a !\r\nL'aide n'est pas syst\u00e9matique ni obligatoire. Elle doit \u00eatre adapt\u00e9e au cas par cas dans l'int\u00e9r\u00eat des finances de la personne.\u00a0Il est clair qu\u2019elles sont plus souvent cibl\u00e9es par les fraudes.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q121\" data-type=\"single\"><legend class=\"quizBlock__legend\">Pourquoi aider un parent \u00e2g\u00e9 dans la gestion de son budget ?<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q121\" value=\"a336\" data-correct=\"0\"><span class=\"quizBlock__answerText\">limiter les achats inutiles<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q121\" value=\"a337\" data-correct=\"0\"><span class=\"quizBlock__answerText\">\u00e9viter les arnaques<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q121\" value=\"a338\" data-correct=\"0\"><span class=\"quizBlock__answerText\">assurer le respect de ses droits<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q121\" value=\"a339\" data-correct=\"1\"><span class=\"quizBlock__answerText\">toutes les r\u00e9ponses ci-dessus<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est \u00e7a!\r\nUne personne \u00e2g\u00e9e est plus facilement influen\u00e7able, est plus souvent la cible des escrocs. Et avec une pension souvent faible, il est important de veiller \u00e0 ce qu'elle touche bien tous les revenus et aides auxquels elle a droit.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q122\" data-type=\"single\"><legend class=\"quizBlock__legend\">Comment peut-on adapter l\u2019utilisation de la carte bancaire d\u2019un parent \u00e2g\u00e9 ?<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q122\" value=\"a340\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Ajuster les plafonds de paiement et de retrait<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q122\" value=\"a341\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Mettre en place une alerte en cas de d\u00e9passement de seuil<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q122\" value=\"a342\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Limiter l\u2019utilisation de la carte \u00e0 la France<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q122\" value=\"a343\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Interdire les achats en ligne<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q122\" value=\"a344\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Toutes les r\u00e9ponses ci-dessus<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est \u00e7a !\r\nOn peut facilement ajuster l'utilisation de la carte sur tous ces param\u00e8tres depuis l'application de la banque ou en contactant son conseiller.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q123\" data-type=\"single\"><legend class=\"quizBlock__legend\">A quoi sert une procuration bancaire ?<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q123\" value=\"a345\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Restreindre l\u2019acc\u00e8s de la personne \u00e2g\u00e9e \u00e0 sa banque en ligne<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q123\" value=\"a346\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Donner pouvoir au mandataire d'agir \u00e0 la place de la personne \u00e2g\u00e9e pour une ou toutes les op\u00e9rations bancaires<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q123\" value=\"a347\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Interdire \u00e0 la personne \u00e2g\u00e9e d'utiliser sa carte bancaire<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q123\" value=\"a348\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Interdire \u00e0 la personne \u00e2g\u00e9e les paiements par ch\u00e8que<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est \u00e7a !\r\nLa personne qui donne procuration ne perd aucun droit et peut continuer de tout faire concernant son compte et ses moyens de paiement. Elle donne pouvoir \u00e0 un tiers de r\u00e9aliser tout cela \u00e0 sa place si n\u00e9cessaire.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q130\" data-type=\"single\"><legend class=\"quizBlock__legend\">On peut donner une procuration bancaire \u00e0 n'importe qui.<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q130\" value=\"a369\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q130\" value=\"a370\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Faux<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est \u00e7a !\r\nToute personne majeure capable peut \u00eatre mandataire dans le cadre d'une procuration. Attention cependant, vous ne devez donner procuration qu'\u00e0 une personne qui a toute votre confiance.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q126\" data-type=\"single\"><legend class=\"quizBlock__legend\">Pourquoi est-il important d'informer la fratrie de vos actions aupr\u00e8s de votre parent \u00e2g\u00e9 ?<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q126\" value=\"a358\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Pour mieux se partager ensemble son patrimoine<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q126\" value=\"a359\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Pour \u00e9viter les conflits et litiges par la suite<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q126\" value=\"a360\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Aucune de ces r\u00e9ponses<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est \u00e7a !\r\nEn cas de fratrie, chacun doit \u00eatre inform\u00e9 des actions entreprises. Chaque d\u00e9cision doit en effet \u00eatre prise dans l'int\u00e9r\u00eat du parent \u00e2g\u00e9 et de son patrimoine. Certaines n\u00e9cessitent d'ailleurs l'accord expr\u00e8s de chaque enfant ou du conseil de famille incluant le conjoint, comme la mise sous tutelle.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q124\" data-type=\"single\"><legend class=\"quizBlock__legend\">Quelle diff\u00e9rence entre curatelle et tutelle ?<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q124\" value=\"a350\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Aucune, si ce n'est qu'avec la curatelle, tous les fr\u00e8res et soeurs sont tuteurs ensemble<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q124\" value=\"a351\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Ca d\u00e9pend juste de l'\u00e2ge de la personne concern\u00e9e<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q124\" value=\"a352\" data-correct=\"1\"><span class=\"quizBlock__answerText\">La tutelle est plus protectrice que la curatelle<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q124\" value=\"a353\" data-correct=\"0\"><span class=\"quizBlock__answerText\">La curatelle est plus protectrice que la tutelle<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est \u00e7a !\r\nParticuli\u00e8rement protectrice, la tutelle peut concerner une personne compl\u00e8tement incapable d'accomplir les actes de la vie civile, notamment si l'\u00e9tat de ses facult\u00e9s mentales ou corporelles n\u00e9cessite de mani\u00e8re permanente l'assistance d'un tiers.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q127\" data-type=\"single\"><legend class=\"quizBlock__legend\">La mise sous tutelle n\u00e9cessite-t-elle l'intervention d'un m\u00e9decin ?<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q127\" value=\"a362\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Oui<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q127\" value=\"a363\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Non<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est \u00e7a !\r\nUn certificat m\u00e9dical circonstanci\u00e9 est n\u00e9cessaire. Il permet d'attester que la personne \u00e0 prot\u00e9ger est compl\u00e8tement incapable d'accomplir les actes de la vie civile. L'\u00e9tat de ses facult\u00e9s mentales ou corporelles n\u00e9cessite ainsi de mani\u00e8re permanente l'assistance d'un tiers.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q128\" data-type=\"single\"><legend class=\"quizBlock__legend\">Le tuteur est toujours un professionel d\u00e9sign\u00e9 par le juge.<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q128\" value=\"a365\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q128\" value=\"a366\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Faux<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est \u00e7a !\r\nLe tuteur est la plus souvent d\u00e9sign\u00e9 parmi les membres de la famille. A d\u00e9faut, le juge peut d\u00e9signer un professionnel.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><fieldset class=\"quizBlock__question\" data-question-uid=\"q129\" data-type=\"single\"><legend class=\"quizBlock__legend\">Le tuteur est r\u00e9mun\u00e9r\u00e9 pour le service rendu.<\/legend><ul class=\"quizBlock__answers\"><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q129\" value=\"a367\" data-correct=\"0\"><span class=\"quizBlock__answerText\">Vrai<\/span><\/label><\/li><li class=\"quizBlock__answer\"><label><input type=\"radio\" name=\"quiz21-q129\" value=\"a368\" data-correct=\"1\"><span class=\"quizBlock__answerText\">Faux<\/span><\/label><\/li><\/ul><p class=\"quizBlock__feedback\" role=\"status\" hidden><\/p><div class=\"quizBlock__explanation\" hidden>C'est \u00e7a !\r\nLa mission de tuteur s'exerce de mani\u00e8re b\u00e9n\u00e9vole. Cependant, en cas d'acte exceptionnel, il peut demander une indemnit\u00e9. Il peut aussi demander le remboursement de frais qu'il est amen\u00e9 \u00e0 engager.<\/div><p class=\"quizBlock__error\" role=\"alert\" hidden><\/p><\/fieldset><div class=\"quizBlock__controls\" hidden><button type=\"button\" class=\"quizBlock__button quizBlock__button--previous\" data-wp-on--click=\"actions.previous\"><\/button><button type=\"button\" class=\"quizBlock__button quizBlock__button--next\" data-wp-on--click=\"actions.next\"><\/button><button type=\"submit\" class=\"quizBlock__button quizBlock__button--submit\"><\/button><\/div><\/form><div class=\"quizBlock__result\" role=\"status\" aria-live=\"polite\" tabindex=\"-1\" hidden><\/div><\/section>\n\n\n<p class=\"wp-block-paragraph\">Merci d\u2019avoir suivi ce module&nbsp;!<\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n        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class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><div class=\"carousel__item\"><article class=\"card card--white\" 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/protection-personnes-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/protection-personnes-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/protection-personnes-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/protection-personnes-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">La maladie, le handicap<\/p>\n                                    <\/div>\n            <\/div>\n            <div 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class=\"card__submetas\">\n                                        <p class=\"card__category\">La maladie, le handicap<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Quelles aides et dispositifs pour le proche aidant ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:17226,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/personnes-agees-aides\/&quot;,&quot;title&quot;:&quot;Personnes \u00e2g\u00e9es : des aides financi\u00e8res 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immobilier<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">J&#039;ach\u00e8te un bien immobilier<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:10958,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/je-me-protege-contre-perte-emploi\/&quot;,&quot;title&quot;:&quot;Je me prot\u00e8ge contre les cons\u00e9quences d\\u0027une perte 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src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/01\/perte-emploi.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">J&#039;ai des difficult\u00e9s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Je me prot\u00e8ge contre les cons\u00e9quences d&#039;une perte d&#039;emploi<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/separation-csq-compte-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/separation-csq-compte-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">J&#039;ai des difficult\u00e9s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Je me s\u00e9pare<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/assurance-vie-retraite-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/assurance-vie-retraite-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/assurance-vie-retraite-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Ma retraite<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Je pr\u00e9pare ma retraite<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n\n<div style=\"height:34px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n","protected":false},"excerpt":{"rendered":"<p>L\u2019aide ou l\u2019assistance apport\u00e9e \u00e0 un proche dans la gestion de ses finances d\u00e9pend en g\u00e9n\u00e9ral de ses capacit\u00e9s physiques et mentales. Si votre proche est plut\u00f4t autonome, vous pouvez toujours lui rappeler les r\u00e9flexes simples et quelques bonnes pratiques : suivre son compte r\u00e9guli\u00e8rement, ne pas r\u00e9pondre aux sollicitations, ne jamais donner ses codes, [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":29158,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":15,"views":12834,"viewed_at":"1778495390","newsletter":"1","_yoast_wpseo_primary_category":35,"footnotes":""},"categories":[278,35,270],"tags":[],"class_list":["post-28998","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jai-des-difficultes","category-les-accidents-de-la-vie","category-mes-moments-de-vie"],"yoast_head":"<title>J&#039;aide un proche \u00e2g\u00e9 \u00e0 g\u00e9rer son argent - Les accidents de la vie - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Maladie, handicap, perte d&#039;autonomie... 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