We need some advice from any money experts. My mother-in-law, an 86 year old widow who has lived alone for 25+ years, just received a check for $41,000 from the estate of her departed sister.My MIL receives a small social security check, a small pension from her husband's employer, and some aid from the state (PA) in the way of food stamps and heating assistance. Through the years, she has flat refused to let us help her with any expenses. We have tried to pay her electric bill, property taxes, phone, you name it. I have to admire her independence.Here's...