back to actual estate planning… estate planning for websites?

The primary goal of estate planning is to help your loved ones cope with your death. Of course that means stewarding money and property. It means making sure minor children you are responsible for are cared for. It means making your medical and end of life choices known. It means making your more personal wishes known, like burial plans and bequests of personal property.

With an ever-growing portion of our lives spent and stored online, it makes sense to consider what information you want your loved ones to access when you are gone, and take steps to make that information accessible. Social networking sites like Facebook and Myspace, web-based mail like Yahoo Mail and Gmail, blog sites like WordPress, or video and picture sharing sites like Flickr and Youtube may all contain essential information and valuable memories that loved ones will want access to after your death. But each of these sites have different terms of use and different policies regarding the death of a user.

These sites are password protected for a reason, of course. Some information may be private and  that’s that. But the more common reality is pictures, random emails, or a lot of other information is fine and potentially good for loved ones to see, but it is just forgotten or taken for granted that it can be accessed after death. Like everything else in estate planning, a good mental inventory and frank discussion go a long way here.

Consider creating a password repository and keeping reference to it with your estate planning documents. It can be a pen and paper list or use one of the many programs out there specifically for that purpose. of course if you use software your passwords will have a password, so keep that with your estate docs.

As the web matures legally, the terms of use for these sites may grow to include successor access designations. Honestly I just started considering this topic so I need to see if any sites are currently doing this. That would allow more complete privacy during life, not requiring the storing or divulging of passwords. Of course, a personal representative of an estate could probably work through any site’s legal department for access,  but if simple planning can avoid formal probate, take the simple planning every time.

I’ll keep poking at this, as it is an intersection of my life as a former computer programmer, current computer junkie, and lawyer. In any case I hope it puts the bug in the mind of people who otherwise thought their estate plan was complete.

the big f—in’ deal: more ruminations on the healthcare law

The highlights from my response to a concerned, conservative friend:

The bill is bad. I can’t imagine a 2000-page monstrosity that could not be.

The Rabid Right will not change the Rabid Left’s mind or vice versa. The Left screams heartless while the Right screams naive. Neither is true, and neither fixes the problem. If you insist on educating, start by eliminating the useless.

This bill does move the entrenched positions that have existed on healthcare for … 50 yrs? Obama was right to accuse the then Republican majority of doing nothing on the issue for the last 10 years. This law will not look the same in 2 yrs or 10 yrs as it does today, but people need to see the negative effects, intended and non.

What changes today? The elimination of private insurance for school loans (WTF?) Not healthcare. Maybe moving in the wrong direction, but eliminates an industry that while private seemed to just be a subsidy leach. meh.

Young people stay on parents’ insurance til 26? Scariest thing here is the federal mandate part of it – the big government element is surreal on all this. Should remain a state reg. Will definitely help people though – oddly would have saved me about 30k back in the day for a stupid lapse on my part. It is nannystate, but the argument is a lot of 26 yr olds need nannys.

I think the medicare tax bumps for higher income people ($250K+) take effect right away. That will get nixed as soon as Republicans can nix it. Pure partisian play, but this has to get paid for, even theoretically, somehow, and Dems will take a shot at the better off when they can.

Children now cannot be turned down from parent’s insurance for a pre-existing condition. Hard to argue from a compassion standpoint, but I have no idea how that works economically for the providers.

The problem with medical insurance is it is still based on the 1950’s (or 1650’s really) mutual pool idea, which was fine when everyone had a whole lot less information and we were shifting risk against the unknown. Now that healthy people opt out and insurance companies know to the dollar and day almost how long each of us will last, we need to readdress things. I like to gamble, and I don’t mind the house having an advantage, but I don’t like taking bets against modern actuaries on my health. I don’t know the answer here.

I can’t remember what else goes into effect right away. I suspect I will post more. Maybe even share links of substance.

some ruminations on the healthcare bill passing

I’ve been jawing on Facebook all day about the healthcare bill. My wife and I had a genuine dining room table discussion about it. And a random friend of a friend got me thinking – would Jesus support this bill?

Well, you can try to answer that either asking Him through prayer, which never seems to give a good facebook (now blog) outcome, or do a little historical / theological look back, which we can give a go.

Christ did like healthcare. He raised Lazarus from the dead, spat in some mud and made a blind man see, allowed some woman to be healed of hemorrhaging after she touched the hem of his garment. He healed some other fellow whose friends lowered him through the roof of the place he was speaking.

Christ also liked a good handout – water to wine at the wedding, loaves and fishes; he gave his disciples a miraculous catch after they’d had a no-luck night.

Oh Christ was not too big on rich people – he said it was easier to get a camel through the eye of a needle than for a rich man to go to heaven. He chased the money changers out of the temple. Didn’t seem to care one way or the other about taxes, though he did say give to Caesar what is Caesar’s.

The real problem here is Christ cared ( and cares) more about the spiritual world than physical suffering. The healing miracles all had a teaching context. The handouts too pointed to teaching lessons.

Oddly, the problem with this bill is it grows government and further diffuses our responsibility toward each other – I may have less of a chance to show Christian love now that more people are on the government dole. As a practical extension, Non-profit hospital systems currently receive a large part of their funding based on the uninsured they cover… how will that change? Admittedly, this is not top on Rush Limbaugh’s mind, but we are talking about Jesus. Might less people turn to the church if their needs are met by the government?

Mother Theresa alleviated an immense amount of physical suffering, but that was not the goal of her ministry. It’s just hard to teach the Gospel to the starving, so she fed them.

I wish we had not spent so much in Iraq and Afghanistan, including my cousin who died in the early months of the Iraq campaign. I’m looking forward to seeing if this bill does get our poorest out of emergency rooms and into conventional and even preventative treatment, which could save us money.  I’ve heard some of the same horror stories about people with pre-existing conditions who could not get insurance, or worse yet paid for insurance and then had it taken away when they needed it based on something they did not disclose. Christ and God seem to like justice, so maybe we will see some good there.

Obama will have at least 2 years to hone this thing with veto protection. I look forward to the loyal opposition paring it down a bit where it does not work. I hope the pendulum does not swing to far back, and we lose positive, win-win progress.

Does Jesus like this bill? Yes, probably in the same way he disliked the Holocaust. But Christ is a detail, hairs on the head, lilies in the field kinda guy. When we are at our collective worst – he hopes we pull it together, show His love to each other, and save some souls. When we are on the mountaintop, he rejoices with us, hopes we inspire each other, and save some souls.

free money. no really.

Reading last Sunday’s Star-Telegram was a revelation. TXU has partnered with Solarcity to offer solar panel leases for the DFW area. For an intro price of $35 a month, TXU will install a solar panel array on your house. The energy that solar array produces is first available for your consumption, and any excess is bought back by TXU, for $.075 a kilowatt hour. Installation is free, but if you are leasing, the hardware is never owned by you. The lease term is 15 years, but is completely transferable.

I’m sooooo in on this. I hope I have enough southern exposure to qualify.