I am my moms durable POA. I am also her executrix. She added my name and my sister's name on her checking, savings acct and 2 $10,000 CD's. Does this mean my sister and I are co owners of this money? My sister has a bad financial record/history. She has a lot of debt and has had debt collectors in her past. Also, will this affect me getting my SS and food assistance because of my low income. Is this considered part of our income and will we be taxed?