Can we learn about talking about Death?
“Death today is like sex was for the Victorians. We know it occurs, we may even feel a prurient pleasure in hearing gruesome details, but most of us don’t want to talk about the prospect of our own deaths or of those ahead of us in the trenches – and certainly not in public. In the last few days I have read about an octogenarian “who slipped away with the light in the late afternoon,” a nonagenarian whose “peaceful passing into the spirit of the universe” was marked by “a glorious golden Southern California sunrise,” and the disappearance of “the best and brightest star in the sky” with the death in a car accident of a high-tech entrepreneur. ” says We are camouflaging morbidity in clichés: It’s time to talk about death by SANDRA MARTIN, Special to The Globe and Mail.
LEARN ABOUT WHY IT’S SO DIFFICULT TO TALK ABOUT DEATH
It’s complicated and very disturbing. To even think about ourselves in that position of having to think about our own death. It seems like it draws out of our inner being every little bit of energy and makes us unbalanced emotionally. It makes us feel upset and angry but frustrated because it is something we have no control over.
When we are suddenly told that we have to face it without any control of ourselves, we can feel separated from the family, and isolated. But,we certainly don’t want the family and friends around us to feel burdened by us, or feel less of us or even sorry for us.
All these emotions are typical and understandable.
But, what about planning. Can we plan for it? Well not if we don’t think about it or even think that it might happen.
We approach death with others with a stuttering effect in most cases. Not really sure what to say, or what not not to say. Stumbling over, ” I’m sorry for your loss”. What should you say?
Unfortunately, I could give you a series of statistics showing you that you will die, we just don’t know when so how can we approach this in a style that we can understand and appreciate?
- Life expectancy Age 78.8 avg age in USA, 81.2 in Canada, and 82 in Australia & France ( most people buy life insurance that expires at age 75)
- 75% of all deaths are caused by the Top 10 causes
- Heart disease is the #1 causes of death
- Cancer is the #2nd cause of death (highest in the pacific Northwest)
- Lung Disease is the #3rd cause of death
- Accidents #4th cause of death
- Stroke #5th cause of death
- Alzheimer’s #6th cause of death (highest in Washington state)
- Diabetes #7th cause of death
- Influenza & pneumonia #8th cause of death
- Kidney disease #9th cause of death
- Suicide #10th cause of death
LEADING CAUSE OF DEATH AGES 1-44
1 person every 3 minutes die from an injury. The other injured, millions are injured and survive. They are faced with life-long mental, physical, and financial problems.
- Motor Vehicle Accidents
- Prescription overdoses
- Fall injuries
- Sports injuries
- Heart Disease
According to 2013 statistic worldwide
Can we do some planning for injury or death looking at the statistics, I think we should. Perhaps in a logical manner, making sure we have things organized for ourselves in case we were faced with an issue where we needed some help from others. What kinds of things can we put in place where someone close to us can help us out. We might be sick or injured, so what do we want to have happen?
What about death, what kinds of things can we organize for our loved ones? Can we let them know about our finances, our toys, or real estate and maybe if we are lucky our wishes.
If we want to think about that at all. Please do, we know it will happen according to statistics.
A little planning will help out.
YOUR BACKUP PLAN APP
Do you have teenagers? Maybe even adult children? Do you know someone that does? We will need to know these 5 Steps to protect your Social Media World.
Because not only are we at risk for not protecting our social platforms, digital assets & property but now so are our kids at risk!
WHAT TYPES OF DIGITAL ASSETS IN THIS SOCIAL MEDIA WORLD?
What types of accounts are these Digital assets? Things like
- Accounts such as their XBox account, or iTunes/Google play account, Amazon, poker, gambling sites or Accounts that have any credits attached to them ($dollar values)
- Social Media pages
- Storage accounts
- Library accounts
- Gaming accounts
- App accounts or pages
Whether young or older, as soon as we have set up accounts we are at risk. Let me explain the risk.
When we set up our own private accounts, we have put our loved ones at risk. With more than 1.2 million social media users dying annually, family, friends, social media services and the Internet are left to deal with a deceased user’s digital assets ( or what we call accounts and pages) When we die, who takes control of our social media networks, blogs and websites?
How have we done this? When we set up the various digital platforms and accounts we normally don’t share our logins and passwords with anyone. As a matter of fact we, personally also have difficulty keeping track of our accounts just for ourselves.
What happens if you don’t keep good records of your digital property?
TRYING TO LOCATE YOUR DIGITAL PROPERTY
For each of your accounts, libraries, storage and social media platforms – When the Executor of that estate realizes that the person had an account, or any of the digital property – they will need to show proof of death and usually a court order to prove that they can be given access to that account. That will cost money and time to get a court order.
Each account or platform will also have other certain requirements and steps that will also be needed at that time to gain access. This may include an application, documentation and a court order from a US court.
It is important to deal with these digital assets for various reasons. Preventing identity theft and to ensure that the pages or accounts are not used in any criminal behaviour.
Perhaps you may wish to continue the management of the online business or a blog that your family member has. Or they wish that you continue with it.
The value of the asset may be significant for a loved one or beneficiary. For example, the asset may have sentimental value such as digital photos, or it may have significant monetary value such as a professional blog or a gambling / gaming account.
Now, do you really want to go through all that work and the costs involved? Or do you want others to have to find your digital assets too?
The last risk that is involved is a predator hacking into the dormant account, whether that is the facebook/twitter account on a social media platform or a library of purchased music, apps or games or even thousands of dollars of credits that are sitting in dormancy.
MANAGING YOUR RISK
1- What would you like done with your accounts once you are gone? List your wishes for each of them. Keep that list up to date.
2- Keep your digital accounts up to date regularly
3- Make a list of all of the social digital platforms you have, including libraries, storage and accounts. Keep them up to date and share the list with someone you trust.
4- Make a list of payments required to keep up your accounts and their payment method.
5- Keep a list of logins of all the accounts, etc.
Your Backup Plan App will keep your digital assets organized and updated easily with the use of your smartphone.
YOUR BACKUP PLAN
TINA OLEXA, Developer
YOUR BACKUP PLAN APP, now available to download on iTunes and Google Play stores
HAVE YOU THOUGHT ABOUT YOUR DIGITAL STUFF?
Your Digital assets or your Digital property?
You may have pensions, documents, bank accounts, investments property, vehicles, art, etc but you just don’t think of your digital presence online as an asset of yours.
But, according to the new world encompassing us today to is! And it can really screw your family up if they can’t access of any your digital assets.
What are some of the digital assets you probably have today?
1- All of your online accounts such as: credit card and bank accounts, rewards account, frequent flyer or hotel, car rewards.
2- Digital files that you own, could be photos, videos, or music or diaries
3- iTunes account, Google Play accounts
4- Email accounts, all social media accounts, facebook account, networking accounts, e-commerce accounts, EBay, Amazon, PayPal, Staples, Best Buy, Square, etc.
5- Websites, blogs, ancestry.com, domain names
6- EBooks, Kindle etc.
7- Online gaming assets, smartphone games, World of Warcraft, Second Life
8- Any online casino, poker, gaming accounts ie, Entropia Unverse, or Space Station.
9- Smartphone, passwords, vmail, home security system etc.
10- Medical records
These types of assets are not necessarily included in your will and have a lot of grey areas associated with them on what is ownership, what is transferrable.
Of course these types of digital assets are just as important as any physical assets that you have and the best way to keep full control over them is to have a plan so that on death or if you were to incapable, these digital assets can be monitored, altered, cancelled or transferred to your beneficiary as per your wishes.
How do maintain that control? With a plan of course. The only system that I have seen to date is the new APP that has been released, Your Backup Plan App. This APP ensures that you have a beneficiary to control your wishes after you are unable to. It encompasses all of the digital world as well as the physical assets in one APP.
Most of the digital accounts all have different policies on cancellation or transfer of the assets. So, it is best that you know all of the passwords, logins and usernames to the accounts so that the next person will have full control over them in the event of incapacity.
Some of the digital accounts request a court order to access the person’s past digital account. To avoid those types of inconveniences, costs and stress you can manage your digital property by sharing the information with your beneficiary. But, some cases people don’t feel comfortable doing that until they are unable to. They feel they don’t want to lose control until they have to.
And all ages should be considering this type of planning. This isn’t just for seniors. A matter of fact, statistics show that 50+ age group have 80% digital assets and 20-50 age group have 100% digital assets.
Estate planning in both Canada and the United States don’t seem to have any type of legal protection for any digital property. And surviving family members are faced on a daily basis with the challenges when trying to access or delete any online accounts under the name of the deceased person. And what is even more complicated is that most states, jurisdictions, or provinces have varied rules governing the release of information to the family member without a court order. Of course some people this is because of our new world of fraud.
Some digital property is worth thousands, if not millions so it should not be forgotten.
What about money making Bloggers?
Avid marketers, bloggers, or account holders of money making ventures should definitely set up their own legal structure to protect their interests in any jurisdiction and ensure you have a trustworthy beneficiary or partner that can be part of the equation. That can be arranged using Your Backup Plan APP.
Check out CBC News Video: Apple demands widow get court order to access dead husband’s password
YOUR BACKUP PLAN APP