The Digital Mess We Leave Behind

Why Every Adult Should Prepare Their Online Accounts Before It’s Too Late

I recently read an article in Epoch Times that grounded me quickly. I'm getting up there in age and have so many digital accounts. The article made me think about what will happen to all those accounts, especially the ones that I'm paying a subscription for.

Most people spend time preparing wills, organizing finances, or thinking about who will inherit treasured possessions after they pass away. But very few people stop to think about something else that now follows us through nearly every part of life:  Our digital footprint.

Think about how much of your life now exists online:

• family photos stored in the cloud

• email accounts

• social media profiles

• streaming subscriptions

• banking apps

• online businesses

• YouTube channels

• passwords

• documents

• auto-pay accounts

Now imagine your family trying to sort through all of that while grieving. Unfortunately, many families are left scrambling because nobody ever prepared them for the digital side of death. The good news is that this problem is easier to solve than most people realize.

Start by Choosing a Digital Executor

One of the smartest things you can do is designate someone who will handle your digital life after you’re gone. This person is often called a digital executor. They don’t necessarily have to be the same person handling your estate, but they should be:

• trustworthy

• organized

• reasonably comfortable with technology

• willing to help your family navigate online accounts and subscriptions

Most importantly, don’t just mention it casually in conversation. Write it down. Include instructions in your will or in a separate document that your executor knows exists. Verbal wishes often disappear during stressful moments.

Use the Legacy Tools That Already Exist

Many people don’t realize that companies like Google, Apple, Facebook, and Instagram already provide tools that allow you to prepare your accounts ahead of time.

For example:

Google

Google’s Inactive Account Manager allows you to decide what happens to your Gmail, Google Photos, Drive, and YouTube accounts after a period of inactivity.

You can:

• have data deleted

• allow trusted people access

• notify selected family members

Apple

Apple’s Digital Legacy feature allows you to assign a legacy contact who can request access to important files, photos, notes, and messages after your death.

Facebook and Instagram

These platforms allow you to:

• memorialize your account

• designate a legacy contact

• request account deletion ahead of time

These tools are free and only take a few minutes to set up.

Ignoring them means giant tech companies may make decisions for your accounts instead of you.

The Password Problem

This is where many families hit a wall.

Even if loved ones know accounts exist, they often cannot access them.

Some people leave no information at all.

Others make the mistake of storing passwords in unsafe places like:

• sticky notes

• random notebooks

• unprotected Word documents

• phone notes apps

A password manager with emergency-access settings can be extremely helpful. Several services allow you to choose a trusted emergency contact who can request access if something happens to you. If password managers feel overwhelming right now, even a simple written inventory stored securely with your important documents is far better than nothing.

Don’t Forget About Subscriptions

Here’s another issue many families never consider:  Recurring charges continue after death unless someone stops them. Streaming services, software subscriptions, gym memberships, apps, website hosting, and automatic bill payments can quietly continue charging credit cards or bank accounts for months. During a stressful time, your family may not even know these accounts exist.

A simple list containing:

• the service name

• login email

• approximate monthly cost

can save your loved ones enormous frustration later.

One Final Thought

Preparing your digital life is not about expecting the worst. It’s about making life easier for the people you care about. A few hours of organization today can prevent confusion, financial headaches, and emotional stress for your family someday. And honestly, that may be one of the kindest gifts you leave behind.

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This post was inspired by an excellent article discussing digital legacy planning and online account management after death.

Original article:
The Epoch Times article on digital legacy planning

Electric Danger on the Roadways

 

Electric Danger on the Roadways 
By John P. Slosek, Jr., The Insurance Coach®

This past week, I dedicated my radio show to a growing trend that is spreading rapidly across our country: The rise of the e-bike.
The origins of this movement began back in 1895. A man named Ogden Bolton Jr. received a patent for a battery-powered hub-motor bicycle. That’s right — well over 100 years ago. Ogden envisioned a machine that could assist riders traveling long distances on two-wheeled bicycles. However, his invention never gained significant traction or mass production.

Just two years later, in 1897, Hosea W. Libbey of Boston invented an electric bicycle propelled by a “double electric motor.” The motor was designed within the hub of the crankset axle, and the battery power could be distributed depending upon flat terrain or uphill travel. Yet even this invention failed to take Boston — or America — by storm.

Now let’s fast-forward approximately 100 years to the late 1990s.
In 1997, American automotive executive Lee Iacocca founded EV Global Motors, a company that produced an electric bicycle model known as the E-bike SX. It became one of the early attempts to popularize e-bikes in the United States.

By 2007, e-bikes were estimated to account for 10% to 20% of all two-wheeled vehicles in many major Chinese cities. Typical models require approximately eight hours to recharge, providing a travel range of 25 to 30 miles at speeds averaging around 12 miles per hour. As of 2026, global sales of e-bikes are estimated at approximately 40 million. This is a growing trend exploding worldwide. 
So, what changed?
In my opinion, what began as a helpful transportation innovation is now developing into a potentially dangerous epidemic in certain situations.

Over the past five years, e-bike sales have become one of the primary growth drivers of the bicycle industry. Fueled by pandemic-era transportation shifts, environmentally friendly commuting, and major technological advancements, sales increased dramatically between 2019 and 2021 and continue to grow at strong double-digit rates globally.
Now, let me be clear.

I am not referring to properly manufactured e-bikes designed with factory safety standards and regulated speed limitations. Most traditional e-bikes were originally intended to travel between 15 and 20 miles per hour and were designed to assist the rider — not replace bicycling altogether. When e-bikes first gained popularity in Europe and later in the United States, their original purpose was simple:

To help people continue cycling longer
To reduce physical strain
To assist riders climbing hills

To help older riders remain active
To allow commuters to travel farther without exhaustion
To encourage environmentally friendly transportation
To help individuals with physical limitations continue enjoying cycling

The philosophy behind the original e-bike concept was straightforward:

“Pedal when you can… assist when you need help.”
The electric assistance was intended primarily for steep hills, rough terrain, or longer journeys. Otherwise, the bicycle was still expected to function primarily as a bicycle. That is exactly why these machines are classified as bicycles and not mopeds or motorcycles.

Globally, approximately 40 million e-bikes are sold every year, and annual worldwide sales are projected to continue rising substantially over the next several years.
Now let me ask you a question.
How many times have you been stopped at a traffic light or stop sign and suddenly watched a pre-teen or teenager fly across the crosswalk in front of your vehicle on an e-bike — without a helmet — zigzagging through traffic? A number of week ago, I was traveling at the required speed limit of 30 mph when what looked like a 12 year old boy passed me easily on a e-bike without a helmet crossing from one side of the street to the other. SCARY!

This is precisely why I titled this article Electric Danger on the Roadways.

Many younger riders are now modifying these e-bikes with aftermarket parts that can increase speeds to 35, 40, or even more than 40 miles per hour. At that point, we are no longer talking about a traditional bicycle. I live in Massachusetts, where motor vehicle laws require mopeds capable of speeds between 20 and 25 miles per hour to be registered and display license plates. The same applies to motorcycles. However, bicycles do not require registration or license plates.

So, the question becomes:
What are the laws in your state regarding modified e-bikes?

Another Huge Problem:
Parents Often Don’t Realize They Can Be Sued.

Parents may potentially be held financially responsible for situations involving:
Negligent supervision
Allowing reckless operation
Permitting unsafe modifications
Failure to enforce helmet use
Allowing illegal roadway operation

So here are some important questions I ask you, the reader:
Do you own an e-bike?
Do you allow your teenage children to use it?
Has it been modified in any way?

What exactly constitutes a modification?
Removed or altered speed governors
Upgraded batteries that increase wattage. A 2000-watt-battery can create speeds of 40 MPH
Aftermarket motors
Throttle acceleration modifications
These changes can push speeds far beyond manufacturer specifications.

Between 2017 and 2022, the Consumer Product Safety Commission tracked hundreds of fatalities involving micro mobility devices, including e-bikes, e-scooters, and hoverboards. Emergency room visits involving e-bikes have also risen dramatically nationwide.
Somebody once told me:

“John, someone can work their entire life accumulating savings, assets, property, and wealth — and because of one uninsured mistake, lose it all.”

That statement has stayed with me for years because there is truth behind it.

Now let me give you one final scenario.

This is directed specifically toward e-bike owners who own homes, condominiums, or renters insurance policies.
Imagine the following situation: Your child is operating a modified e-bike traveling 35 miles per hour without a helmet. The rider crosses from a sidewalk into the roadway, strikes a pedestrian causing severe injuries, or causes a motor vehicle accident resulting in catastrophic injury or even death.
Now the question becomes:
Who Pays the Damages?
This is where things can become extremely serious.
Many homeowners policies contain:
Motor vehicle exclusions
Self-propelled vehicle exclusions
Limitations involving motorized conveyances
And once an e-bike has been modified beyond its legal classification, an insurance company may argue: “This is no longer an e-bike. "This is now a motorized vehicle.”
That argument could potentially create a devastating coverage gap. You work too hard for your money and assets.
My recommendation is simple:
Contact your insurance agent or insurance company and ask specific questions regarding your automobile, homeowners, condominium, or renters coverage.

Inform them that you own an e-bike and ask:

Does my current policy provide liability coverage if someone is injured? Would the insurance company provide legal defense if a lawsuit occurs? Are modified e-bikes excluded?       
Should additional coverage be considered?
It has truly been my pleasure writing this post for you.

I hope that those of you who own e-bikes take at least some of these recommendations seriously. These are simply educational recommendations designed to encourage awareness, responsibility, and common-sense decision-making.
This article is intended strictly for general educational and informational purposes so readers may make informed decisions that they believe are in their own best interests.

                                                        About the Author                                                                   John P. Slosek Jr. is the founder of Slosek Insurance Corporation, established in 1984 and still serving clients today. For more than 40 years, John has worked in the insurance industry helping individuals, families, and business owners better understand protection, risk, and financial responsibility.
In addition to operating his agency, John has spent over 30 years as a motivational and self-improvement speaker, focusing on common-sense life lessons, personal growth, and real-world decision-making. 
John is also the host of The Insurance Coach® radio show, heard every Saturday morning at 8:00 a.m. on Classic Hits 97.7. www.classichits977.com (Hit Listen Live). The program combines insurance education, life experiences, motivational insight, and practical advice designed to help listeners make better decisions for themselves and their families. John proudly resides in Massachusetts with his family and enjoys spending time with his children and grandchildren.

Reboot of the Hartford Springfield Speakers Netork

Some testimonials age well because the need behind them never changes.

Back in 2014, members of the Hartford Springfield Speakers Network shared what kept bringing them back month after month.

“This group is one of the best run networking groups I’ve ever been to…”

What stood out most was this line:

“Every time I miss a meeting, I feel like I’m missing out on a key piece of information that can drive my business forward.”

That’s the difference between simply filling a room… and building one people genuinely want to be part of.

As we prepare for the launch of the Hartford Springfield Opportunity Network, we’re revisiting some of these moments from the archives.

Welcome New Writer to the Blog

Lisa Barrett - LPC, ATR, Artist, Author, Speaker, Coach

Lisa A. Barrett, LPC, ATR, is a Registered Art Therapist and Licensed Professional Counselor with a successful private practice in Connecticut. She is also a personal and professional coach, author, and speaker whose work focuses on self-empowerment, emotional wellness, and effective parenting and coaching skills.

Lisa has been featured in local newspapers and has expanded her reach through podcasting, sharing practical tools and insights to help individuals cultivate calm clarity and live more empowered lives.

With over 20 years of experience teaching art, Lisa also worked as a commissioned designer and artist for both residential and commercial projects, bringing creativity, insight, and depth to all aspects of her work.

How to Live an Empowered Life: Easy and Practical Daily Tools

Laughter, Wisdom and Innocence, Surprising Quotes from Children

Touched By Art offers the following creative:

• Speaker (Parents, Educators, Corporate Wellness, Holistic Programs)

• Blogger/Podcaster

• Expressive Workshops

• Custom Fine Art

• Group Art Lessons

• Murals - commerical and residential

 

What Does It Mean to Be Empowered in Your Personal and Professional Life?

How Can I Use My Brain More Effectively?

Written By: Lisa A. Barrett, M.S., LPC, ATR, Author, Speaker, Coach, Artist

That is a huge question and could mean different things to different people. I teach empowerment and describe it in my book How to Live an Empowered Life: Easy and Practical Daily Tools, as finding the answers in a place I coined as Calm Clarity. What is this magical place and how can I get this to help me excel when challenges arise? It is at your availability 24–7 as it lives inside you.

From a brain-based perspective, Calm Clarity is literally the shift from the emotional parts of your brain, the amygdala and the basal ganglia, to the prefrontal cortex. In size comparison, the emotional parts of our brain are very small – ironically when we feel overwhelmed with stressors, causing anxiety, and frustration we are keeping ourselves limited and small. 

The prefrontal cortex is quite large and is incapable of having emotions. It knows only facts, figures, organization, solutions, science, logic, and higher-level thinking. When we intentionally shift into this area, we step into our “bigness” — the place where possibilities, innovation, creative thinking, resolution, and mutually beneficial communication can occur.

This is our place of action, this is where we find Calm Clarity and what I coined as The Neutral Zone.         

The Neutral Zone is neither good nor bad — it simply is. By definition, neutral is impartial, balanced, and unbiased. When we learn to access this state, we create space between ourselves and our emotional reactions. This allows us to respond with greater wisdom, clarity, and empowerment.

An important truth about shifting to your Neutral Zone is that it has no emotionality, and therefore it cannot be argued with.

How Do I Shift Into Calm Clarity?

In both our personal and professional lives, challenges will always arise. Shifting from emotions and breaking it down to facts can be as simple as asking yourself, neutral questions:

• What are some possibilities here?
• What can I learn from this experience?
• Who can support or assist me?
• How can I become more present with myself and others?
• What solution would best serve everyone involved?

Challenging your mind, takes you out of reactivity and stress and puts you in your empowered place, where, Calm Clarity is found. This is where your creative solutions lie awaiting for you to tap into them.  Reframe often and know, you have a gift of choosing all day long how you want to expand your energy.

A simple but powerful reminder is this: whatever just happened is already in the past.

The emotion we continue attaching to it is often what keeps us stuck. By consciously choosing to move forward with empowerment, reframing often, and becoming intentional with our energy, we create healthier outcomes for ourselves and those around us.

Imagine if more people operated from a place of Calm Clarity. 
How might that change our relationships, careers, communication, leadership, and overall well-being?

I am available for coaching and speaking engagements focused on empowerment, Calm Clarity, emotional regulation, communication, and personal and professional growth.

https://www.youtube.com/@CalmClarity-LisaBarrett

https://www.touchedbyart.net/

touchedbyart@yahoo.com 

5/21/2026

 

Why Every Professional Speaker Needs a Speaker’s Agreement

If you've been hired to deliver a presentation or a training program, don't assume that once a client sends over a contract, the paperwork is complete.

Not necessarily.

One of the most important lessons experienced speakers learn is this:

The client’s contract is designed to protect the client and outline the client’s needs.
A speaker’s agreement is designed to protect the speaker and clarify the speaker’s needs.

Both matter.

A professional speaker should always be prepared to provide their own agreement — even if the organization hiring them already has one.

This isn’t about being difficult.
It’s about creating clarity, professionalism, and mutual understanding before the event ever begins.

Why a Speaker’s Agreement Matters

Speaking engagements involve much more than simply showing up with a microphone.

There are often questions surrounding:

• presentation length
• arrival times
• technology requirements
• travel arrangements
• promotion and marketing
• payment schedules
• recording permissions
• cancellations or rescheduling
• audience expectations
• rehearsal time
• and event logistics

When expectations are unclear, stress and misunderstandings often follow.

A speaker’s agreement helps eliminate confusion before it becomes a problem.

What's the worst that could happen to a speaker? Find out what speakers are reporting

Professional Speakers Think Professionally

Many speakers hesitate to provide their own agreement because they fear appearing demanding or difficult.

In reality, most experienced event organizers appreciate clarity and professionalism.

A well-written speaker agreement communicates that:

• you are prepared
• you respect your time
• you understand professional speaking
• and you want the event to succeed for everyone involved

It also demonstrates that speaking is not simply a hobby for you — it is a professional service.

(Want to avoid the speaking mistakes that can quietly damage your credibility, confidence, and professionalism before you ever reach the stage? For just $2.99 discover practical lessons and real-world insights in Speaker’s Worst Nightmare.)

What Should Be Included?

Every speaker’s agreement will look a little different, but common elements often include:

• event date and time
• presentation topic and length
• speaking fee and payment schedule
• travel or lodging arrangements
• audio/visual requirements
• recording permissions
• cancellation policies
• promotional expectations
• arrival/setup details
• and any special accommodations or requests

The goal is not to create unnecessary complexity.

The goal is to create mutual understanding.

Clarity Creates Confidence

One of the hidden benefits of having a speaker’s agreement is confidence.

When expectations are clearly outlined:

• the speaker feels more prepared
• the client feels more informed
• and the event itself tends to run more smoothly

Professional speaking is not just about delivering a great message. It’s also about creating a professional experience. And sometimes, professionalism begins long before the speaker ever steps onto the stage.

You Collected the Business Cards… Now What?

You went to the networking event. 

You shook hands.

You exchanged cards.

You had some great conversations.

Then what happened?

If you’re like many professionals, those business cards eventually end up:

• stacked on your desk
• buried in a drawer
• sitting in your car
• or forgotten entirely after the excitement of the event fades.

But here’s the truth:

Networking events are not where relationships are built.
They’re where relationships BEGIN.

The real value comes from what you do after the event.

Years ago, people brought home stacks of business cards. Today, many people leave networking events with LinkedIn connections, QR scans, or contacts saved in their phone, but the challenge remains the same:

How do you turn a brief introduction into a meaningful professional relationship?

Here are 8 smart ways to follow up after a networking event using LinkedIn and intentional relationship-building.

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1. Connect Promptly on LinkedIn

Don’t wait three weeks. Connect within 24–48 hours while the conversation is still fresh. And please, don’t use the generic LinkedIn connection request. Personalize it.

Mention:

• where you met
• what you discussed
• or something memorable from the conversation

Example:

“Great meeting you at the Hartford Springfield networking event. I enjoyed our conversation about leadership training and wanted to stay connected.”

That small effort instantly makes you more memorable.

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2. Review Their Profile Before Reaching Out Again

Most people connect and move on.

Instead, take a few minutes to:

• review their experience
• understand their business
• notice shared interests or connections
• identify opportunities to help or collaborate

Networking works best when it becomes relationship-focused instead of transaction-focused.

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3. Look for Ways to Provide Value First

One of the best networking questions you can ask yourself is:

“How can I help this person?”

Can you:

• introduce them to someone?
• recommend a resource?
• share one of their posts?
• invite them to an event?
• refer a potential client?

The professionals who become memorable are usually the ones who contribute value first.

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4. Engage With Their Content

If they post on LinkedIn:

• comment thoughtfully
• support their content
• congratulate achievements
• stay visible in a genuine way

Consistent visibility helps relationships grow naturally over time.

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5. Invite Them Into Your Professional Community

Do you host:

• events?
• workshops?
• webinars?
• networking gatherings?
• mastermind groups?
• a blog or podcast?

Invite them into your ecosystem when appropriate. One of the most valuable things you can do professionally is create spaces where people can continue building relationships.

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6. Schedule a One-on-One Conversation

Some connections deserve more than online interaction. Invite them for:

• coffee
• a Zoom conversation
• breakfast
• a quick phone call

Not with the goal of “selling," but with the goal of learning more about each other professionally. The best business relationships often begin with simple conversations.

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7. Become Known as a Connector

One of the fastest ways to build influence professionally is to connect good people with other good people. When you hear:

“You should meet…”

and then actually make the introduction? People remember that. Strong professional communities are built through generosity and thoughtful introductions.

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8. Don’t Let the Relationship Die After One Interaction

This is where most networking efforts fail. Relationships grow through:

• consistency
• visibility
• contribution
• and genuine interest over time

The people who build the strongest professional networks are rarely the loudest people in the room. They’re usually the people who stay connected intentionally.

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Networking isn’t really about collecting contacts. It’s about creating relationships, opportunities, collaborations, and trust over time. The business card, or LinkedIn connection, is simply the beginning.