I would like to know if there are any good ways to help in remembering all the passwords and login usernames. I also don't understand how the government expects the aging to possibly understand and keep up with all of the Medicare and health care prescription information and picking a plan that they will not be able to change except for their birthday month and that if they miss any payment on their plans they may lose that service for good. A life insurance policy payment is overlooked after paying on the plan for the last 45 years just gets terminated and no refund and you lose all of what was put in, just because a person has a memory lapse from something.
Computers can be wonderful for the younger generation for reminders. Programs such as Gmail or Outlook have comprehensive calendars that send reminders in a variety of ways, from texts, to email or on screen pop ups on phones, tablets and computers.
A good old fashioned address book is a good place to write down user names and passwords, just make sure it is kept in a safe location.
Calendars and dayplanners can be used to remind those who are not using computers about payment dates.
There is a little book called "5 at 55". It details the 5 documents you MUST have at 55, and a "digital diary" is one of them.
I read ur profile. You have Mom at the age of 47, is this a misprint. I ask because with the health issues she has I am assuming you are handling her finances.
First, I would check on that life insurance policy. Tell them the situation.
I wish I was there because it can be easy once you understand how everything works. Changing insurances can only happen during open enrollment that starts in Oct and ended Nov or Dec. If you want private message me.
He recommends another one also: 1password.
He recommends visiting "Have I been pwned?" (spelling is correct),
"Have I been pwned? " website. This will tell you how many of your accounts have been compromised and how many have been breached. @Troy Hunt.
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https://www.consumersadvocate.org/password-manager/a/best-password-manager?
Facebook is listed as FB, etc... I used to carry my very slim accordion address/telephone book (bought in Ebay) until too many purse snatchings here. I decided it's best to keep that book home. Since I'm not carrying the address book, I put on both my iPad and Kindle note app - only logins/passwords for AC, FB, Disqus, etc... I do Not put any of my bank/credit card info there.
It is unlikely forgetting a password would cause a big problem since sites usually have a password recovery option. For those of us in the real world - if the site uses challenge questions, forget proper grammar or punctuation for ease of remembering. Correct grammar does not count there. I use all lower case and no spaces. Just be consistent for all sites whatever your preference.
I use a spreadsheet for my 300+ passwords and challenge question answers. I password protect the spreadsheet (easy to do) itself and make a copy on a cheap usb thumbdrive for my file cabinet. The one password for the spreadsheet can be simpler since it is unlikely to be attacked. Even my grown children give me some of their passwords for safekeeping. I like the book idea as long as it is well hidden, but knowing me I would probably neglect to keep it current or include challenge questions.
I don't know who I ordered from or signed up with but I have been getting emails from all kinds of companies lately. I unsubscribe but some of them have used my name and my husbands. My DH is computer illiterate. I would love to know what company we both deal with gave out my email addy.
1 system I heard of is take a book you have had for a while for example one on dog breeds [or mums, or cat breeds] then start at any page you want [for example page 26 because that is your birthday] then use the breed names as passwords shortening them to the number of letters needed - if you need a number use the page number so it would be 34beag [because page 34 has a beagle] then go to the next breed when you need another - leave a bookmark in it to show where you are - do not write what you are using it for but you could write a hint like 'green' because that is the colour your bank uses in their advertising
I would question that insurance company if they cut you off because of 1 payment missed & there must be a standards board to report them to because of this - check it out
Gabriel
Narrowing down & winnowing out credit cards, old paperwork, etc where you can also makes things easier.
You can designate someone to be informed if your policy is in danger of being cancelled. You can also do this for important bills like utilities, mortgages, long term care insurance, storage units, ect. It is called secondary notice or third party notification. Everyone should do this, no matter what age they are.
However, if your elder refuses to list someone- anyone- to be notified , there apparently isn't anything you can do to reinstate the policy after it has been cancelled. They don't care that your dad had dementia and paid the policy for 40 years. If they sent the appropriate notifications to him- that's too bad for you.
I separate information into three groups based on the security needed for the information and manage where and how I store that information differently.
First group is no or nearly no security needed - these accounts have no purchase (debit/credit card or banking) information stored. These are fast food, grocery store, yarn/fabric retailers, tv channel apps, etc. I have one standard password I use for all of them. I don't care if someone hacks the account and sees what my favorite shows or meals are.
Second group includes limited financial info - like a prepaid debit card used for online purchases. These accounts include restaurants and stores where I make online purchases (hulu, netflix, dominos, zaxbys, gamestop). I use mostly the same password for all of these because they have a limited catalog and because I only use the prepaid debit card. During checkout from one of these stores, I electronically transfer enough money into the debit card account to cover the purchase; otherwise the debit card uses has less than $50 on it.
Third group is anything with a large catalog or any financial information other than the prepaid debit card. These include social security, amazon, walmart, online banking, retirement accounts, etc. Each account has a unique password. I maintain an electronic copy of this password and other information (like card numbers, banking accounts, etc) in a secured encrypted file with a master passcode. That file is synced to a secure and also encrypted online repository. The master passcode is stored between the pages of a particular book (one of thousands in my home). In the event of my death or a POA being executed because of my mental incompetence, my lawyer has a sealed envelope identifying the book. There's also a sticky note inside a certain hutch that identifies the book if you know to look there...
Before I go further, this means if LO for helper, helps them reset a password, you will also get an email about the change immediately. You should change all accounts that send statements, bills or reminders to this new email address.
If possible, get one that uses LO face as a password, but has alternative password you can use remotely. Put a sticker on the cover showing icon for using facial recognition, stating use ( icon) to open.
Now you have first layer of security made easy. Next, whenever an option, save all passwords on the computer.
I also have used to techniques. If you have Notebook Program, or word, or a spreadsheet. Enter information on company, username, password, answer to security question - maybe in form of a sentence with key words in bold.
I also make many passwords look like street address, city + zip ( any 5#s), or nickname...if your contacts has that line.
You should have contact information for all of the companies and accounts in contacts anyway. Then add an address or nickname or note, even email, with what you need to remember.
Also when setting up a new account or even site access account, send it from new shared email to yourself, or visa versa.
You can do a screenshot, open in Chrome and Share, etc. This is another backup.
Many people don't realize you can use search to find part of an email or contact quickly. So if you put an x at the end of company or 0 at front of account #, you can still find it quickly.
Another label on cover, if LO not computer savvy every day.
🔍 To search and find what you want.
I have used it for years and found changing my passwords easy and no need to remember more than one password is a HUGE plus for me.
I stopped using lists of passwords years ago.
As far as remembering dates: I use outlook and set up reoccurring payments, appointments, etc. with reminders on my phone.
I am a caregiver myself, and it is hard enough for me to remember everything too!
Hope this helps! :-)