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Cheat sheet for if I'm gone

thoughtscollected.tech

181–190 of 194 posts

Re: Cheat sheet for if I'm gone

#181
post #132

Check out Get Your Shit Together [0]. It was started by a woman who lost her husband in an accident, suddenly becoming a widow and single mom to two young children. She has abridged [1] and long checklists [2] that everyone should complete. Most of us probably don't even think about these things: - will - power of attorney (in varying forms) - what happens to pets - what happens to kids - money - burial/funeral wishe…

Thank you for sharing this.

Re: Cheat sheet for if I'm gone

#182
post #175
post #167

Earlier quoted context omitted.

Where? And how to stop your spouse from spying on you? I suppose notification of "Login from new device" would be a tell. But that would also be a shitty situation if you end up in a fight. The Bitwarden access request seems cool since it has a "quarantine period" where the owner gets notified of the access request and can deny it, if still alive (against a malicious spouse request). If you're sure you never face the…

> And how to stop your spouse from spying on you? I dunno about you, but I kind of got married to them because I trust them.

That's what everyone does. Did you read my last sentence?

Re: Cheat sheet for if I'm gone

#183
post #142
post #132

Check out Get Your Shit Together [0]. It was started by a woman who lost her husband in an accident, suddenly becoming a widow and single mom to two young children. She has abridged [1] and long checklists [2] that everyone should complete. Most of us probably don't even think about these things: - will - power of attorney (in varying forms) - what happens to pets - what happens to kids - money - burial/funeral wishe…

Any competent estate attorney will do this for you.

They don't do it for you. They run the paperwork when you do it. You have to make all the important decisions.

You can use Nolo or Rocket for most of it (and you should, at least bforna first draft, because the expensive attorney is doing the same thing, like H&R Block or an accountant for taxes). Try to save their time for complex stuff; they will be happy to charge $hundreds/hr for data entry eqivalent of running TurboTax.

Re: Cheat sheet for if I'm gone

#184
post #182
post #175

Earlier quoted context omitted.

> And how to stop your spouse from spying on you? I dunno about you, but I kind of got married to them because I trust them.

That's what everyone does. Did you read my last sentence?

Dicorcing a criminal CFAA violator may be to your advantage in the divorce.

Re: Cheat sheet for if I'm gone

#185
post #184
post #182

Earlier quoted context omitted.

That's what everyone does. Did you read my last sentence?

Dicorcing a criminal CFAA violator may be to your advantage in the divorce.

Perhaps, but I still wouldn't want anyone prying into my private stuff (while I'm alive).

Also, tracking back, what I'd need to store somewhere (hence I asked "Where?" originally) is:

- password to password manager

- password to encrypted laptop

- password to email account (not stored in password manager)

- frequently used PIN codes (mobile screen lock and various apps)

I could store the PIN codes in the password manager to make things a bit easier, but I'd still be storing the two passwords somewhere that can unlock my online identity, plus the laptop password that unlocks some really private stuff. None of these would be acceptable to me to get into the hands of a nefarious spouse, whether or not I could sue for it later.

As to "Where?"... an alternative to the Bitwarden feature could be to store these passwords using some sort of 3/5 multi-sig encryption with friends and family members where they'd have to collude in order to get a hold of my stuff. But I wouldn't want to give them access either, my spouse only. But then again, what if we both die in a plane crash?

Perhaps there's no optimal solution. Maybe the good ol' lawyer would work. Give a lawyer the passwords, along with contacts to hand over the information in an order of precedence, like spouse->brother->mother->friend. If something happens, give first person alive in the list the information in X weeks.

Re: Cheat sheet for if I'm gone

#186
post #43

Earlier quoted context omitted.

Can't it be handled e.g by the spouse having "half" the key, bitwarden the other "half", which they only gives out after the timeout. Ok, bitwarden and your "trusted one" can collude to open it before, but they must both be in on it.

The link to the feature provided here explains how it works. Your Bitwarden client has a master key that opens your vault. This is your own private key. Bitwarden the server doesn't have a copy of it. If you choose to designate a trusted successor in the case of your incapacitation, you send a request to that person. If they accept the request, Bitwarden the client will generate a public/private key pair for them. Th…

Ok then, so one search warrant to Bitwarden to get the encrypted key and your encrypted passwords, and another to the authorized party to get their private key.

It still comprises a break in the end-to-end crypto, and can still bypass the time delay and decrypt your passwords today without your involvement.

Re: Cheat sheet for if I'm gone

#187

Also consider what happens if someone is incapacitated but not dead. Getting into email, bank, etc. is one thing, but what if you own property with someone who is suddenly and irreversibly brain damaged? I strongly recommend filing a lasting power of attorney in advance if your risk of this is non-negligible. My mother is living a nightmare due to it right now as she assumed being someone's spouse would let you take…

Not sure if anyone on HN knows: do wills work for medical emergencies too? Because I would assume you could setup an emergency power of attorney for such a scenario. It is ridiculous that you cannot sell your home if your spouse is incapable of consenting.

My mother, who is now in memory care due to Alzheimer's, knew long ago what was in store for her (her mother and one of her sisters also had it) and planned accordingly long ago. She has a simple but comprehensive will...and most importantly at the moment, two powers of attorney that give the designee (me, in this case) control over both her medical/daily living decisions and her financial decisions. The weeks surrounding the day the doctor activated her power of attorney were hectic, but far easier than they would have been without her prior planning.

She'd also made my sister and I co-owners on her bank account, so we had no difficulty accessing money for her care in the short term.

Re: Cheat sheet for if I'm gone

#188
post #142

Earlier quoted context omitted.

Any competent estate attorney will do this for you.

Key word: ESTATE attorney. Preferably belonging to a large and well respected firm. Don't get just any attorney willing to do it, they won't be equipped for it and shit will go wrong, and things going wrong in the legal world is potentially catastrophic. For you, your family and anyone within a 1000 feet of you.

This is a bit extreme. An estate-planning attorney at any sized firm can do a good job, and using an attorney is good. But wills, trusts, etc. are well-established areas of law, to the extent that in the U.S. at least, anyone can scratch out a perfectly legal will on a piece of notebook paper.

Re: Cheat sheet for if I'm gone

#189
post #171

Earlier quoted context omitted.

Some of those pictures could be the only copies. Losing them could be devastating, depending on the person.

Of course, I understand their value to the homeowner, but I fail to see what value they might have to a burglar.

Cutting paintings from frames allow them to be rolled up and be easily transported (much less obtrusive or easy to spot compared to a picture in a frame). They can then be fenced like other merchandise.

Re: Cheat sheet for if I'm gone

#190
post #136

This resonate deeply for me. My dad unexpectedly passed away recently, and there were a lot of problems because we didn't even know his phone unlock PIN (to be fair, he did told us several time, just that none of us bothered to remember). But one of the main problems is that tons of research fund is tied up in my dad account, so it's basically frozen until we can execute his will. My mom manage my dad tax return so a…

I would be surprised if you were legally allowed to go and modify assets before the will is executed. I know when my partner died that I was not supposed to log in to her accounts and just transfer shit around; banks instead have very well defined processes for working out who is the legally correct person to do that and then empowering them to do so. Remember, banks and other big companies deal with this all the tim…

This is one of the reasons it's good (where possible) to have co-ownership of things like checking accounts. Though my mother is primary owner of her bank account, my sister and I can write checks, move money around as needed without waiting for any permission. My wife had the same arrangement with her father before he died, and it was a life-saver (so to speak).

As far as assets in the estate, the job of the executor is to preserve, as far as possible, the value of the assets at the time of death until they can be disbursed. That means, for example, don't take any intentional action to increase the value of the assets after the date of death, such as moving checking accounts higher yielding to certificates of deposit, etc.

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