Mom recently spend $2,800 to replace an a/c unit that was determined to functioning properly only a few months ago. She forgot that it was inspected and deemed to be working fine so when she was told recently that it was leaking oil and that the housing was corroded so she'd have to replace it, she did so without consulting anyone. Now she's concerned that she's spent so much money on household repairs lately that she has little money left for a cushion. We want to help her avoid this but since we live 1,500 miles away from her we're not there to intercept such scams unless she tells us she's going ahead with a project. She's quite independent and certainly doesn't want us to take over her finances. Do we insist that she reduce her credit card limits and set up her checking account in such a way that it requires two signature for check over a certain amount?