Lamorial: Everything They’ll Need

 I assume Lamorial is a play on Tutorial or Memorial.  I saw it online and paid my money and had it sent to me, knowing that sometimes these online purchases are a big mistake.  I don’t think this one is.  The idea is to get all your passwords, accounts, access—all in one place.  So that if I outlive Jim, I can get into our accounts.  I find it all overwhelming and maybe this will help.

I have set a goal of doing one page each day.  It is not fun and we both get a bit tense about it—with Jim trying to find his user IDs and passwords which are all foreign words—they are nonsensical for me.  I have a few user IDs myself and passwords—and had to retrieve what I had from the Indiana Retired Teachers Fund where I have a small pension.  I had to create a new password because I had not accessed it online before.

Fortunately, we can skip the mortgage page and debts.  There are several bank accounts and two credit cards of which I use only one—but it is good to have a backup one and Jim does use that one.  We have some monthly subscriptions but one or the other of us would probably continue those.  (Amazon Prime, NYT) and a couple of automatic charity withdrawals. 

We have a few more pages to go and then have to find a good place to put this important volume, a place that our executor Jeff can retrieve it when we are both gone.   I am thinking that maybe the next step will be to try to access each account to see if those user IDs and passwords are accurate.

It is a painful process but probably worth doing.  There are instructions as to what to do first.  There are places to put down phone numbers for our financial advisors (one local, one in South Bend).