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    Digital Estate Planning: How to Prepare Your Social Media Accounts

    When planning your estate, leave instructions for handling your online accounts, data and other electronic affairs.How do you want your social media pages, smartphone photos and computer files handled after you die? While property and money distribution are usually at the top of the estate-planning list, don’t forget to leave instructions regarding your digital accounts and assets — so your survivors are left with more than just random bits and pixels from your online presence.Here’s a short guide to getting your digital material in order, as well as advice for dealing with the accounts of those who departed without leaving directions.Create a Digital DirectiveA law known as the Revised Uniform Fiduciary Access to Digital Assets Act, enacted by most states, gives a chosen representative (like your estate’s executor) the authority to manage your electronic affairs. For specific instructions, create a document stipulating how you want your online accounts and all digital content handled when you die or become incapacitated, and keep it with your other estate papers.Giving access to your account user names and passwords will greatly help your representative, but proceed carefully. You will need a safe place to list the credentials for all your financial institutions, as well as for any e-commerce stores, insurance policies, online storage, email, social media platforms, cable and wireless carriers, medical apps, and media subscriptions.The 1Password app can hold all kinds of confidential information.1PasswordOne way to encrypt and store this sensitive information is to enter it all into a password-manager app. Wirecutter, the product review site owned by The New York Times, recommends 1Password ($3 a month for an individual plan, $5 a month for the shared family plan) or Bitwarden (free, with in-app upgrades). Apple and Google have their own free apps, which save and store passwords on devices running their software.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Why Doesn’t My Son’s Adviser Understand That Boys Will Be Boys?

    A father objects to his son’s punishment after a rowdy “tickle fight” in a darkened room, but an adviser isn’t budging on the decision to bar the boy from a future activity.In December, my son attended a religious retreat away from home. When some of the high school boys were in a room alone with girls, the boys got overexcited, turned off the lights and yelled “Tickle fight!” One of the girls was touched on the shoulder, but nothing remotely sexual happened. The adviser to the group has barred the boys involved from the next retreat. But I think it’s important for them to attend and discuss what happened rather than suffer an exclusionary punishment. Excluding the boys will only make things worse for the girl: Everyone knows she is the reason the boys won’t be there. I think it would be better to have the girl explain to the boys (with adult support) why their behavior was wrong. But I can’t convince the adviser. Thoughts?DADI think your love for your son is impeding your judgment. When children are at home, their parents are the arbiters of appropriate discipline. But when they go off with youth groups, for instance, those organizations assume responsibility for the welfare of all attendees. My first job was as a teacher at a Swiss boarding school. And chaperoning mixed groups of teenagers overnight was the worst: I was often the lone adult charged with preventing a dozen wily students from drinking, having sex or sneaking off at night.So, if the retreat organizer has decided to exclude the boys who made trouble on the last trip to send a strong message about inappropriate behavior (or because of limited resources for supervision), I find that reasonable. And I disagree with much of your position: You fail to acknowledge that the episode may have been frightening for some girls, even if nothing sexual happened. You are incorrect in stating that the girl is “the reason” for the boys’ punishment; the boys’ behavior is. And no girl is responsible for explaining to teenage boys why unwanted touching is wrong. That is your job!It sounds as if you have already made your pitch to the organization and it was rejected. So, rather than clinging to a minimizing “boys will be boys” argument, I suggest that you sit your son down to discuss the contours of appropriate behavior and the seriousness of unwanted touching.Miguel PorlanBefore ‘I Do,’ Try ‘I’ll Allow It’My partner and I plan to be married soon. I am child-free; he has five children from his previous marriage. He is close with all of them and has several grandchildren, ranging in age from 6 months to 21 years old. Both of my previous weddings were adult-only (17 and up), and I feel strongly about doing that again for our wedding and reception. But this would exclude some of my partner’s grandchildren, and he feels this would be insulting to his children. Advice?We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    NYT Crossword Answers for Feb. 12, 2025

    Extra, extra fun awaits you in Philip Koski’s crossword.Jump to: Today’s Theme | Tricky CluesWEDNESDAY PUZZLE — Do you ever feel as though a crossword puzzle is speaking directly to you? That was my experience while solving today’s puzzle, constructed by Philip Koski. Some of it is just too relatable: I can’t be the only one, for instance, who winced in recognition at 65-Across. But the theme itself struck me as uncannily tailored to my interests, and I expect that anyone who works in media or journalism will feel similarly spoken to.This is an especially chewy Wednesday otherwise, with ample room for barely noticeable mistakes (some of which I made and have reviewed for your convenience in the Tricky Clues section below). Shall we read it and weep together?Today’s ThemeYou’ve no doubt found out [where some journalism is located] (60A/63A) through your own online reading habits: BEHIND A PAYWALL. This phrase also reveals a key to interpreting the ends of 20-, 30- and 44-Across in relation to the shaded squares.First, let’s review the entries in question: [The] is a DEFINITE ARTICLE (20A) — or the definite article, as it’s the only one we have in English. It is not to be confused with “the genuine article,” which is just a nice thing to say. But I digress: One who [Talks frankly] (30A) SPEAKS ONE’S PIECE, and [Success against all odds] is known as a CINDERELLA STORY (44A).The shaded squares, once filled, spell WAGE and SALARY. And they represent a literal wall of pay-related words, behind which we find ARTICLE, PIECE and STORY — i.e., news items. You might have also seen Mr. Koski’s extra wink at 26A with [Cover story?], which refers not to front-page news but to a FIB.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    California’s FAIR Plan Gets $1 Billion Bailout After L.A. Fires

    The move will likely lead to higher costs for households across the state, and may push more insurers to leave, intensifying a home insurance crisis.California’s home insurance plan of last resort, designed for people who can’t get coverage on the private market, does not have enough money to pay claims from the Los Angeles wildfires and is getting an infusion of cash from regular insurers.State regulators said Tuesday that they will allow the program, known as the FAIR Plan, to collect $1 billion from private insurance companies doing business in California to pay its claims. That is likely to drive up insurance costs for homeowners across the state.The situation marks a perilous new stage for California’s home insurance market, which had already been reeling from wildfires made more frequent and intense by climate change. Facing growing losses, major insurers like State Farm were already pulling back from the state, making it harder for homeowners to find coverage.Now the pressure to leave will be even greater.The $1 billion assessment is the largest since the FAIR Plan was created in 1968, and the first time since the 1994 Northridge earthquake near Los Angeles that the FAIR Plan has faced claims it can’t pay on its own. The fee will be divided among insurers based on their market share, as required by state law.“The number one priority right now is that the FAIR Plan pay out its claims,” Ricardo Lara, California’s insurance commissioner, said in an interview. “The FAIR Plan, the way we’ve set it up, is doing what it’s supposed to.”As of 2023, the state’s largest insurers by market share were State Farm, Farmers Insurance Group and CSAA Insurance, according to data from AM Best, a company that rates the financial strength of insurers. Other major insurers in the top 10 included Liberty Mutual, Allstate and Travelers.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Trump Curtails Anti-Corruption Efforts, as Aides Seek End to Eric Adams Case

    Two nearly simultaneous moves by the Trump administration on Monday signaled a new and far more transactional approach to the Justice Department’s handling of corruption cases.In the evening, President Trump signed an executive order halting investigations and prosecutions of corporate corruption in foreign countries, arguing such cases hurt the United States’ competitive edge. “It’s going to mean a lot more business for America,” he said of his decision to pause enforcement of the Foreign Corrupt Practices Act of 1977.Around the same time, a top Justice Department official directed federal prosecutors in Manhattan to drop bribery charges against Mayor Eric Adams of New York. The stated justification for the demand had nothing to do with the evidence in the case and focused instead on politics.The actions on Monday stunned current and former prosecutors and investigators who said the department was abandoning a tradition of holding public officials, corporate executives and others accountable for corruption in favor of an approach built on political or economic expedience.That same day, Mr. Trump pardoned Rod R. Blagojevich, the former Democratic governor of Illinois who was convicted in 2011 of essentially trying to sell a Senate seat that was vacated by President Barack Obama. Mr. Trump had previously commuted Mr. Blagojevich’s sentence.Trump administration officials have also ordered the shutdown of an initiative to seize assets owned by foreign kleptocrats, dialed back scrutiny of foreign influence efforts aimed at the United States and replaced the top career Justice Department official handling corruption cases.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Birds of Paradise Glow on Their Mating Parade

    Elaborate poses, tufts of feathers, flamboyant shuffles along an immaculate forest floor — male birds-of-paradise have many ways to woo a potential mate.But now, by examining prepared specimens at the American Museum of Natural History in New York, scientists have discovered what could be yet another tool in the kit of the tropical birds — a visual effect known as photoluminescence.Sometimes called biofluorescence in living things, this phenomenon occurs when an object absorbs high-energy wavelengths of light and re-emits them as lower energy wavelengths.Biofluorescence has already been found in various species of fishes, amphibians and even mammals, from bats to wombats.Interestingly, birds remain woefully understudied when it comes to the optical extras. Until now, no one had looked for the glowing property in birds-of-paradise, which are native to Australia, Indonesia and New Guinea and are famous for their elaborate mating displays.In a study published on Tuesday in the journal Royal Society Open Science, researchers examined prepared specimens housed at the American Museum of Natural History and found evidence of biofluorescence in 37 of 45 birds-of-paradise species.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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    Enjoying the Pinnacle of Power, Musk Holds Court on Trump’s Stage

    The president let the spotlight in the Oval Office go to his billionaire friend/budget slasher, who cited blank checks and 150-year-old Social Security beneficiaries to justify purging the federal work force.Three weeks into this administration, hardly a day seems to go by that does not produce a norm-busting moment at the White House. But the scene that played out in the Oval Office on Tuesday afternoon was among the wildest yet.President Trump sat behind the Resolute Desk while Elon Musk stood at his side and attempted to explain, for the first time in public since Inauguration Day, what it is he came to Washington to do.For weeks, he and his Dorito-dusted minions have burrowed deep inside the federal government, tearing the thing apart from within by sending workers packing and shutting down programs and entire agencies, testing if not exceeding the bounds of the law and the Constitution in the process.So far, the only explanations to be had about what they are doing or where they are going next have come in the form of brief or sometimes trolling messages on the social media platform Mr. Musk owns or in opaque statements from administration officials.Dressed all in black, with a dark MAGA hat on his head and his young son fidgeting by his side or on his shoulders, Mr. Musk, seeming quite jolly about finding himself at the very pinnacle of power, sought on Tuesday to justify pushing tens of thousands of federal employees out the door by casting them as a collection of unelected and unaccountable managers of a wasteful and corrupt bureaucracy.Workers overseeing contracts were mysteriously getting rich, he asserted without any backing details or evidence. Social Security was paying benefits to 150-year-olds. Taxpayers were being gouged.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More