Digital Asset Estate Planning is critical!

Sadly, we had a good friend who did not make these arrangements and I still get his image popping up from his Facebook so here’s a short reminder on making changes to your estate plan for your digital assets:

Estate Planning for Digital Assets

The adviser realized leaving her client’s eBay and PayPal accounts open after his death could leave his heirs vulnerable to having those accounts hacked, a logistical nightmare if she didn’t have access to them.

“Anyone could hack into the accounts—which are connected to bank accounts—and take the money or rack up huge debts that the estate is then responsible for,”

They researched service agreements at social media, e-commerce and file storing sites. In accordance with those agreements, they came up with an amendment to the client’s revocable trust that they hoped would give the trustee, Ms. Pedersen’s firm, access to all of the client’s digital accounts when he dies.

Think about your accounts at Google, Facebook, Amazon, PayPay, Apple Pay, Samsung Pay, BitCoin, Itunes, etc. and how digital your life has become and make arrangements for someone to take down your digital accounts.  Don’t have your face pop up on a friend or family Facebook account after you’re gone, plan today.  Just sayin…


I just couldn’t resist offering this up

Can Hillary Clinton get out of this one?

January 29 at 5:21 PM Washington Post

Former attorney general Michael R. Mukasey wrote that “from her direction that classification rules be disregarded, to the presence on her personal email server of information at the highest level of classification, to her repeated falsehoods of a sort that juries are told every day may be treated as evidence of guilty knowledge—it is nearly impossible to draw any conclusion other than that she knew enough to support a conviction at the least for mishandling classified information.” If that is the case, Mukasey concludes, “The simple proposition that everyone is equal before the law suggests that Mrs. Clinton’s state of mind—whether mere knowledge of what she was doing as to mishandling classified information; or gross negligence in the case of the mishandling of information relating to national defense; or bad intent as to actual or attempted destruction of email messages; or corrupt intent as to State Department business—justifies a criminal charge of one sort or another.”

Equal may not always be equal, we’ll see after Iowa. Just sayin…

Maybe he’s onto something here…

Republican self-destruction is fun to watch, but bad for us all

January 29 at 1:44 PM Washington Post

…An intellectually vibrant conservatism is essential to a healthy democracy.  The United States needs conservatives willing to criticize the grand plans we liberals sometimes offer, to remind us that traditional institutions should not be overturned lightly and to challenge those who believe that politics can remold human nature.

Wait, is he suggesting we are slow to change? No, say it’s not so!

At its best, as Philip Wallach and Justus Myers argued in National Affairs , conservatism is a “disposition” that “has the most to offer societies that have much worth conserving.” Even those of us who are critical of our nation’s injustices and inequalities can agree that the United States is such a society. The task of conservatives, Wallach and Myers write, is to offer “incremental adaptation” as an alternative to radical change.

So, in plain speak, progress at a thoughtful pace.  How reasonable.

Conservatives in power could never materially reduce the size of government, because so much of what it does and spends money on — from supporting the elderly to protecting consumers to providing for the common defense — is so popular. Conservatives haven’t been able to roll back cultural changes, because most Americans don’t want to return where we were before the rights revolutions on behalf of African Americans, women and gays. And politicians can’t reverse the fact that white Americans gradually are losing their majority status in an increasingly diverse nation.

It’s a good read.  Just sayin….



Why did Obama really kill XL Pipeline?

If you’ve been following along, you already know that Warren Buffet controls BNSF railroad (which hauls most of the oil around the country).

You also know that John Kerry is married to Theresa Heinz.

Heinz is partners with Warren Buffet.

Buffet is a “great friend”of, and contributor to, Obama.

So, connect the dots, five different State department studies confirmed that, standing alone, the pipeline would have almost no impact on the environment, and

Worst of all, failing to build Keystone XL will actually hurt the environment. That’s because transporting oil via pipeline is much safer than via rail or truck. Indeed, oil shipments by rail are nearly five times more likely to experience spills or other incidents than those by pipeline…

Shipments by pipeline also produce less emissions than alternative methods. Had Obama approved Keystone XL’s permit when it was submitted seven years ago, he would have spared the planet 8.8 million tons of greenhouse-gas emissions – the equivalent of eliminating 1.8 million cars from the road.

“Every year that we rely on rail instead of pipeline infrastructure to carry this oil results in more emissions, more spills, and more fatal accidents,” lamented Catrina Rorke, energy policy director at the R Street Institute, a Washington-based think tank. “With the pipeline project now effectively killed, that number will continue to compound.”

My conclusion? Killing XL Pipeline was a totally profit motivated decision that Obama is now trying to sell in Paris as a boost to the environment.

What makes the whole episode even more strange is that apart from the rejection of Keystone XL, Obama actually has an unfalteringly pro-pipeline record. On his watch, more than 12,000 miles of pipeline have been built in the United States, mostly underground. That’s the equivalent of ten Keystone XL pipelines – and all without much fuss from the green movement.

Clearly, the president’s opposition to Keystone XL isn’t about the policy merits. With this decision, he has chosen to appease the environmentalist left, which decided to make killing this pipeline its signature priority.

Keystone XL was a tangible pathway to job creation, economic prosperity, and a healthier environment. Unfortunately for us, those considerations took a backseat to cynical politics and posturing.


Would you be surprised to learn that all those environmentalists (See Buffet’s buddy Daniel Tishman at NRDC) who were against this pipeline were associated with “Charities” funded by contributions from Buffet controlled corporations (that then deducted those amounts on their income tax returns!)?

Just sayin….

A reminder worth repeating

Digital Estate Planning: More Than a Lifeline

AICPA Insights September 23, 2015

Whether you think of our connected world as a benefit or as a time waster, there’s no escaping the complex red tape associated with providing access to our digital assets after we pass away. What lives online is neither easy to access nor is it clear cut as to who can get to it.

Remember, if you don’t give specific, detailed instructions, your wishes are not likely to occur.  Just sayin…

Mistrust of the Media? Say it ain’t so!

Trust in the media is at an all-time low. That’s a terrible thing for all of us.

September 28 at 4:41 PM Washington Post

The rise of outside partisan groups — on the left and the right — has coincided with a bumper crop of partisan-first media outlets designed to foment rage and exasperation with the mainstream media’s alleged missteps. It’s good business for them — and just plain terrible for the American public.

You can think the media thinks too highly of itself. (We do.) You can ask who appointed us the refs. (Fair.) And, you can be skeptical — in fact, you should be skeptical — of something being reported that smells fishy to you. (We, as humans, can and do get stuff wrong.) But, what you should not wish for is that the mainstream media disappear or be rendered irrelevant.

“The people must know before they can act, and there is no educator to compare with the press.” –  Ida B. Wells

Don’t stop reading (skeptically). Just sayin….

An Economist Blog post on why raising Corporate taxes won’t help workers or the deficit

Stop cheering, Keynesians

Wait, more money for doing the same thing is not helping?


by WARNER TODD HUSTON 24 Jul 2015 Seattle, WA

…many have suddenly found that the new rate has had unexpected consequences.

Some workers across the city are left telling bosses to give them fewer hours at the higher wage because a full week’s earnings now puts them past the threshold for some welfare payments such as food stamps and assistance with rent.

Of course, one of the things that supporters of the higher wage said was that they wanted to help lift min. wage workers out of poverty and welfare.

So another law that didn’t do what the legislators wanted it to do?  Shocking! Just sayin…

Is this the revolution we were looking for?

Are Broken Marriage Vows Grounds for Blowing Up Someone’s Life?


This might be a good day for us to rethink our attitudes about the victims of hacking, whether it’s Sony’s Amy Pascal or the married dude next door, because the mob is coming for us, too. Do we really want to live in a world where no one is allowed to make mistakes? Are we arrogant enough to believe that we’ll never screw up? If we do screw up eventually, do we want our future personal failings to be judged and prosecuted by a self-righteous mob who may or may not share our values and ideas about right and wrong?

When it’s our private lives that are smeared across the internet, we might finally ask ourselves:Is this the revolution we were looking for?

Food for thought: Just sayin…