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#370711 - 21/03/2018 19:19 Re: iPhone security [Re: K447]
Phoenix42
veteran

Registered: 21/03/2002
Posts: 1383
Loc: MA but Irish born
Thanks for the reminder K447. Wills etc is something that has very much been on the back burner for way too long for my wife and I.

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#370719 - 24/03/2018 03:13 Re: iPhone security [Re: tahir]
Daria
carpal tunnel

Registered: 24/01/2002
Posts: 3927
Loc: Somerville, MA
All of this hits close to home at the moment.

My late partner left the passcode and her lastpass master password before she died; her last wishes were an inadmissible will but her next of kin and i disagree in details only in that each of us is trying to get the other to take the residue of her fiscal estate, so at least it's not a stressor

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#370720 - 24/03/2018 23:15 Re: iPhone security [Re: tahir]
MarkH
member

Registered: 06/04/2000
Posts: 156
We have a safe. Two non-resident family members have the code. In the safe, hard copy wills and deeds, but also a print out of an excel sheet with a list of all account details and passwords on it. The list is re-printed one or two times a year. First entry is a pointer to the Excel file and the file password. The file is updated at least annually as part of tax returns.

Account details include banks, investment a/cs, computer passwords, lastpass, phone passcodes, credit cards, insurance, vehicle records, high value assets. Most of this stuff is quite static so it's long winded to set it up initially but very low maintenance.

Can't recommend highly enough doing something like this if you have dependent family or any vaguely complex list of possessions.

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#370722 - 25/03/2018 04:27 Re: iPhone security [Re: MarkH]
K447
addict

Registered: 29/05/2002
Posts: 674
Loc: Toronto, Ontario, Canada
Originally Posted By: MarkH
We have a safe. ... In the safe, hard copy wills and deeds, but also a print out of an excel sheet with a list of all account details and passwords on it. ... First entry is a pointer to the Excel file and the file password. ..
Memory stick containing the Excel file kept in the safe with the papers?

In event of a fire - computers burned, safe contents may also be toasted.

Off site replication of the information?


Edited by K447 (25/03/2018 04:29)

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#370742 - 28/03/2018 12:04 Re: iPhone security [Re: K447]
tahir
pooh-bah

Registered: 27/02/2004
Posts: 1740
Loc: London
Originally Posted By: K447
Off site replication of the information?


This is the thing, how far do you go with it all?

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#370743 - 28/03/2018 12:05 Re: iPhone security [Re: JBjorgen]
tahir
pooh-bah

Registered: 27/02/2004
Posts: 1740
Loc: London
Originally Posted By: JBjorgen
Originally Posted By: tahir

I have a wife and 3 kids, my brother sometimes accesses my phone at work, so need 6 ideally, but 5 is better than 1.


Time to decide who you love the most and who's the black sheep of the family. At least they'll be mentally prepared when it's time to read the will smile


smile But I'm the black sheep!

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#370744 - 28/03/2018 12:41 Re: iPhone security [Re: tahir]
K447
addict

Registered: 29/05/2002
Posts: 674
Loc: Toronto, Ontario, Canada
Originally Posted By: tahir
Originally Posted By: K447
Off site replication of the information?


This is the thing, how far do you go with it all?
A core test would be ‘if the house and all contents/computers are completely gone, can I carry on with the data/password listings/whatever stored elsewhere?’

And if I am also gone, will the people managing our affairs and the estate be able to figure it all out, with reasonable efforts?

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#370745 - 28/03/2018 13:35 Re: iPhone security [Re: K447]
tahir
pooh-bah

Registered: 27/02/2004
Posts: 1740
Loc: London
Originally Posted By: K447
if I am also gone, will the people managing our affairs and the estate be able to figure it all out, with reasonable efforts?


I guess I'd be leaving things in a better state than my brother did, but some simple things are soooo difficult. My wife can't talk to our phone services provider because she's not authorised to, I just don't have the time/energy to wade through automated phone systems to get this done (as an example).

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#370746 - 28/03/2018 15:22 Re: iPhone security [Re: tahir]
K447
addict

Registered: 29/05/2002
Posts: 674
Loc: Toronto, Ontario, Canada
Originally Posted By: tahir
Originally Posted By: K447
if I am also gone, will the people managing our affairs and the estate be able to figure it all out, with reasonable efforts?


I guess I'd be leaving things in a better state than my brother did, but some simple things are soooo difficult. My wife can't talk to our phone services provider because she's not authorised to, I just don't have the time/energy to wade through automated phone systems to get this done (as an example).
Something to keep in mind, if/when she/someone informs the provider that you have deceased, your authorization for her, or others, may instantly also expire.

This MAY also include your credit card automated payment authorization, so someone has to make sure the telecom/services account does not go into arrears while things are being sorted out.

Until the provider is served with official paperwork authorizing them to work with the person handling your estate/affairs, it can happen that no-one is authorized to do anything.

This can create a paradox whereby the efficient approach is to not tell them anything, just make changes. I had this happen with a family member’s stock/investment account. I first issued (online) orders to sell everything and go to cash. Waited a week or two to confirm it was all completed and things were stable, THEN I told them about the executor authorization.


Edited by K447 (28/03/2018 15:25)

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