My 82 y/o MIL and FIL asked me to be their financial POA five months ago. I asked my FIL about the Publisher Clearing House charges in the bank account and he explained my MIL buys stuff. I didn't say anything more because I had no clue you could buy 'stuff' from them. My original thought was 'this must be a scam', but I looked into it and Pub. Clearinghouse is basically selling stuff to support their 'giveaways'. Things are overpriced, but she buys anywhere from $20-$90/mo. I could buy the same stuff for her at 1/2 the cost. My FIL originally told me 'well, we won $10 a few years ago'. So I am unclear if they think they are seriously going to win the big money or not. They don't need $1m because in one month they are moving into an Assisted Living facility where their LTC insurance will pay for their care for years and then Benevolence and Medicaid will kick in when their personal funds run out. So they are 'set' - meaning, a big windfall isn't going to change their life. My MIL and FIL are conservative Christians who would never go to a casino or buy lottery tickets so I am not sure they truly get that they are spending money in the hopes of winning money...which is gambling. Since I am the daughter-in-law I am not sure that I should bring up the topic. My husband has 2 brothers and a sister who could discuss this with her. I am looking for a perspective from a non-biased party so thanks in advance! Do we ignore it? Do I ask one of their kids to discuss it? I am now seeing these Pub Clearinghouse envelopes show up in their mail and email with these big promotional ads about how they can win millions - it makes me nauseous because my family shouldn't be wasting money on their gimmicks.