Leav­ing our pass­words to im­por­tant ac­counts to the peo­ple we trust is not only nec­es­sary to help them set­tle our af­fairs if some­thing un­to­ward hap­pens to us, it is also cru­cial in pre­vent­ing iden­tity theft or on­line fraud.

Simply Her (Singapore) - - Gly Derm Special -

your ex­ecu­tor has ac­cess to your e-mail, chances are they can re­set a pass­word and ac­cess your other ac­counts,” says Evan.

“If you’re un­com­fort­able with oth­ers look­ing at your cor­re­spon­dence, you could say, ‘While I know you would need ac­cess for th­ese rea­sons, I’d pre­fer if you don’t go look­ing for this or that type of mes­sage’.” On­line busi­nesses: “The fi­nan­cial value of th­ese as­sets is real and con­trib­utes to the value of your es­tate, so make sure you state clearly in your will how you want th­ese ac­counts to be han­dled,” says Evan. So­cial me­dia: “Some­times it makes sense for a so­cial me­dia ac­count to re­main in place as a memo­rial. Face­book has a way to memo­ri­alise ac­counts. For Twit­ter, some fam­i­lies choose to keep the ac­count on­line so oth­ers can read it, though ob­vi­ously there are no ad­di­tional tweets. A fi­nal no­ti­fi­ca­tion would be ap­pro­pri­ate,” says Evan. If you’d like the ac­count to have a fi­nal state­ment, you can leave in­struc­tions as to what it should be. Ac­quaint your­self with the terms of ser­vice of all your ac­counts, es­pe­cially e-mail. Ya­hoo’s terms of ser­vice state that your ac­count can­not be turned over to any­one, and ac­counts of de­ceased users will be per­ma­nently deleted. This af­fects Flickr ac­counts, too, as it is owned by Ya­hoo.

If you dis­agree with that pol­icy, you could switch to Google, which owns Picasa, also a photo-shar­ing site. Their In­ac­tive Ac­count Man­ager ser­vice al­lows you to dic­tate how your pos­ses­sions held by Google should be han­dled upon your death.

Chanel also sug­gests hav­ing a dig­i­tal power of at­tor­ney writ­ten into your power of at­tor­ney doc­u­ment to em­power the ap­pointed per­son to han­dle your as­sets on­line. “It clearly states your in­tent and wishes, although it may con­tra­dict some com­pa­nies’ poli­cies,” says Chanel. Whether the doc­u­ment will be recog­nised by com­pa­nies still de­pends on the var­i­ous web­sites’ poli­cies.

De­ter­mine where to save this in­for­ma­tion.

The chal­lenge with stor­age is that if some­one un­de­sir­able ac­cesses the in­for­ma­tion be­fore you die, it could wreak havoc in your life. So you need a place that’s se­cure but which a loved one can eas­ily ac­cess in the event of your death or in­ca­pac­i­ta­tion. “You can’t put the in­for­ma­tion in a will be­cause wills be­come pub­lic once they go through pro­bate,” says Jamie. “Also, you’d have to keep up­dat­ing your will ev­ery time you change user­names and pass­words.”

He rec­om­mends stor­ing ev­ery­thing in a doc­u­ment on an ex­ter­nal en­crypted hard drive to pro­tect it against theft. Or write it down on pa­per and store it in a locked drawer at home. Many lawyers will also store in­for­ma­tion for you, though that might be­come a pain ev­ery time you want to up­date a pass­word or add to the doc­u­ment.

You could also turn to ser­vices like Lastpass or Se­cure­safe. With Lastpass, you only need to share your master pass­word; Se­cure­safe gives you a 64-character code that you can in­clude in your es­tate doc­u­ments so some­one can in­herit your ac­count.

Get le­gal ad­vice and tell your loved ones where the in­for­ma­tion is stored.

Be­cause this in­volves your es­tate, seek le­gal ad­vice to make sure you’re in line with laws you may not be aware of. And un­less you tell some­one where this in­for­ma­tion is stored, some or all of your prepa­ra­tion could be for naught.

Fi­nally, don’t put this off – even if you only have time for one small step, do it. “We suf­fer from what re­searchers call ‘be­nign ne­glect’. It’s the same with back­ing up our com­put­ers,” says Evan. “We know we need to do it, but we think, ‘I’ll get around to it later’. Un­for­tu­nately, with death, we don’t have ‘later’. Take some ac­tion, be­cause it’s a mil­lion times bet­ter than tak­ing no ac­tion.”

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