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Page 20 THE MALDEN ADVOCATE–Friday, June 28, 2024 avvya yavvy eniiooravvy S iorn or v y io iori by Jim Miller Of Malden. EnDo You Need a Digital Will? Dear Savvy Senior, My wife and I had our estate plan – including a will, power of attorney and advance directive – drawn up about 10 years ago but have recently read that our plan should include a digital will too. What can you tell us about this? Almost 80 Dear Almost, If you or your wife spend much time online, adding a separate digital will document to your estate plan that provides a list of your digital assets would be extremely helpful to your loved ones when you die, not to mention it will help protect your privacy. Here’s what you should know. Do You Have Digital Asset? The term “digital assets” refers to personal information that is stored electronically on either a computer or an online cloud server account that belongs to an individual. Anyone who uses email, has a PIN code protected cell phone, makes online purchases, or pays bills online has digital assets. Digital assets generally require a username, a password, or a PIN to access and can be diffi cult if not impossible to retrieve if someone is incapacitated or passes away. Creating a digital will (also known as a digital estate plan) will help your loved ones access your electronic devices and online accounts more easily so they can manage your electronic aff airs, according to your wishes, after you’re gone. This in turn will also protect your digital assets from hackers or fraud, which can happen to dormant accounts after you die. How to Write a Digital Will Your fi rst step in creating a digital will is to make an inventory list of your digital assets, which includes everything from hardware to email accounts. Here are a few categories to help kick-start your list: • Electronic devices (computer, smartphone, tablet, external hard drive). • Digital fi les (for photos, videos or documents) • Financial accounts (like bank and brokerage accounts, credit cards, cryptocurrency). • Bill paying accounts (utilities, mortgage accounts) • Social media accounts (like Facebook, Instagram, Twitter, LinkedIn). • Email accounts (Gmail, Yahoo, Outlook, etc.). • Cloud-storage accounts (like Google Cloud, iCloud, Dropbox, Microsoft OneDrive) • Movie or music streaming services (like Netfl ix, Hulu, Spotify, Apple Music) • Online purchasing accounts (like Venmo or PayPal) • Subscription services (magazines, newspapers, Amazon Prime, etc.). • Reward programs (travel, stores, etc.). • Membership organizations (AARP, AAA, etc.). When making your list, you’ll need to include usernames, passwords, PINS, account numbers or security questions for accessing each account. And provide instructions on how you want your assets managed after your death. For example: Do you want certain accounts closed, archived or transferred? Do you want specifi c fi les or photos to be deleted or shared with loved ones? Do you want your social media profi les memorialized or deleted? Be clear and specifi c about your wishes. You’ll also need to appoint a digital executor that you trust to execute your wishes after you die. From a legal perspective, you should know that most states have enacted the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA), which legally recognizes digital estates. This law gives your personal representative or executor legally protected access to your online accounts. Once your digital will is written, store it with your other estate plan documents either in a fi reproof safe or fi le cabinet at home, on your computer hard drive, with your estate planning attorney or online at a reputable digital estate planning service like Everplans.com or Clocr.com. But make sure your executor knows where it is and has access to it. Also remember to keep your digital will be updated regularly when you create any new digital accounts or change passwords. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. tered into eternal rest on Saturday, June 22, 2024 in the Cambridge Health Alliance-Everett Hospital surrounded by her loving family. She was 88 years old. Born in Detroit, Michigan, Cece lived in the Everett-Malden area for OBITUARIES Cecelia K. "Cece" Filippi most of her life. She worked for the Malden Public Library as a Librarian for over 20 years. Cece was a wonderful woman who was loved by all. She was aff ectionately known as the woman with the red lipstick. Cece was a devout Catholic who was very active in her prayer group. She was the daughter of the late Wilson and Cecelia (MacNeil) Bowen; the beloved wife of John F. Filippi for over 66 years; the dear and devoted mother of - LEGAL NOTICE - City of Malden Massachusetts Board of Appeal 215 Pleasant Street Malden, Massachusetts 02148 Telephone 781-397-7000 x2161 MALDEN BOARD OF APPEAL PUBLIC HEARING The Malden Board of Appeal will hold a public hearing on Wednesday July 17, 2024, 6:30 pm Eastern Time (US and Canada) at Malden City Hall, 215 Pleasant St, Room #106 Herbert L Jackson Council Chambers, Malden, MA on Petition 24-008 by Amit Thapar seeking a variance under Code of the City of Malden as amended – Title 12 MCC 12.16.010 Table of Intensity Regulations – Specifically: violation of Side Yard Setback, Principal Building - as per Plans Res-064555-2024 at the property known as and numbered 149 Pearl St., Malden, MA and also known by City Assessor’s Parcel ID #032 200 011 Additional information, Petition & plans available for public review in the Office of Inspectional Services, 215 Pleasant St., 3rd floor, Malden MA or online at www.cityofmalden.org or https://maldenma-energovweb.tylerhost.net/apps/SelfService#/home Nathaniel Cramer, Chair June 28, July 3, 2024 Mark Filippi and his wife, Deborah of Wilmington, Kathleen R. Filippi-Brown and her husband, Benjamin of Malden and Valerie Giambrone and her husband, Michael of Revere; the loving Grandma to Michael Giambrone and his wife, Ashley of Salem, Alicia Giambrone of Revere and Michelle Penta and her husband, Christopher of South Windsor, CT; and the dear sister of the late Mary Chatlos and Anna Forshner. Relatives and friends were invited to attend Cece's visiting hours in the Cafasso & Sons Funeral Home, 65 Clark St. (Corner of Main St.) Everett, Thursday, June 27. Her funeral will be from the funeral home on Friday at 9 a.m. with a funeral Mass to follow in St. Anthony Church, 38 Oakes St., Everett, at 10 a.m. Burial will follow at the Holy Cross Cemetery, Malden. Contributions in Cece's memory to St. Jude Children's Research Hospital, 501 St. Jude Place, Memphis, TN, 38105 would be sincerely appreciated. Jean M. Murphy Of Malden. Died peacefully in her home with loved ones near her on June 18th, 2024. Daughter of the late Gaetano and Josephine Troccoli. Wife of the late Richard Edward Murphy. Mother of Donna Sensale and her husband Rob of Raymond, New Hampshire and Carol Murphy and her husband Kevin Brunton of Malden. Sister of JoAnn Doonan of Bellingham, Linda Campanaro of Revere and her husband Gene and the late Dorothy Cameron. Jean was born and raised in Malden. She attended Immaculate Conception Grammar School and is a graduate of Girls Catholic High School. Jean’s spiritual life was important to her. She was a lifelong parishioner of Immaculate Conception Church where she married her husband, Richard “Eddie” Murphy of Chelsea, in 1961. She was from a close-knit Italian American family to whom she stayed close as they settled in Malden near her parents, with other extended family members nearby. Jean was a strong, independent woman who worked hard as a devoted mother raising two strong and independent children. As her children grew, she ventured back out into the professional working world, becoming a bank teller at Malden Savings Bank which later became Medford Savings Bank. She enjoyed her work and the

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