March 12, 2026
I thought my mom had done all the right estate planning before she died, but I missed some important things

I thought my mom had done all the right estate planning before she died, but I missed some important things

3 things I wish I asked my mother before she died – MarketWatch

Object.keys(e[t]||{}),executeQueue(e){try{t[e]&&t[e].forEach((e=>this.execute(…e))),delete t[e]}catch(e){console.error(e)}},execute(){var[t,i,r,n]=arguments,s=e[t][i],u=e=>e,c=[];return”function”!=typeof s?s:(r&&(“function”==typeof r?(u=r,n&&Array.isArray(n)&&(c=n)):Array.isArray(r)&&(c=r)),u(s.apply(null,c)))},__reset(){var i=e=>Object.keys(e).forEach((t=>delete e[t]));i(e),i(t)},hasSubscription(e){return this.getSubscribedElements().indexOf(e)>-1},hasSubscribedFunction(e,t){return this.getSubscribedFunctions(e).indexOf(t)>-1},uniqueFucntionsUnderSubscription(t,i){const{__ace:r=(()=>({}))}=window;let n={};return Object.keys(i).forEach((s=>{e[t][s]?r(“log”,”log”,[{type:”warning”,initiator:”page”,message:”You are trying to subscribe the function “+s+” under the “+t+” namespace again. Use another name.”}]):n[s]=i[s]})),n},addSubscription(t,i){if(this.hasSubscription(t)){const r=this.uniqueFucntionsUnderSubscription(t,i);e[t]={…e[t],…r}}else e[t]=i;return e},subscribe(t,i,r){if(r)return e[t]=i,e;if(!i||”object”!=typeof i)throw new Error(“Missing third parameter. You must provide an object.”);return this.addSubscription(t,i),this.executeQueue(t),e},globalMessaging(){var[e,t,…i]=arguments;if(!e&&!t)return this.getSubscribedElements();if(e&&”string”==typeof e&&!t)return this.getSubscribedFunctions(e);if(“string”!=typeof e||”string”!=typeof t)throw new Error(“First and second argument must be String types”);if(this.hasSubscribedFunction(e,t))return this.execute(e,t,…i);this.addToExecutionQueue(e,t,…i)}},window.__ace=i.globalMessaging.bind(i),window.__ace.subscribe=i.subscribe.bind(i)}();var googletag=googletag||{};googletag.cmd=googletag.cmd||[];function _typeof(e){return(_typeof=”function”==typeof Symbol&&”symbol”==typeof Symbol.iterator?function(e){return typeof e}:function(e){return e&&”function”==typeof Symbol&&e.constructor===Symbol&&e!==Symbol.prototype?”symbol”:typeof e})(e)}!function(){for(var e,t,n=[],r=window,o=r;o;){try{if(o.frames.__tcfapiLocator){e=o;break}}catch(e){}if(o===r.top)break;o=r.parent}e||(function e(){var t=r.document,n=!!r.frames.__tcfapiLocator;if(!n)if(t.body){var o=t.createElement(“iframe”);o.style.cssText=”display:none”,o.name=”__tcfapiLocator”,t.body.appendChild(o)}else setTimeout(e,5);return!n}(),r.__tcfapi=function(){for(var e=arguments.length,r=new Array(e),o=0;o3&&2===parseInt(r[1],10)&&”boolean”==typeof r[3]&&(t=r[3],”function”==typeof r[2]&&r[2](“set”,!0)):”ping”===r[0]?”function”==typeof r[2]&&r[2]({gdprApplies:t,cmpLoaded:!1,cmpStatus:”stub”}):n.push(r)},r.addEventListener(“message”,(function(e){var t=”string”==typeof e.data,n={};if(t)try{n=JSON.parse(e.data)}catch(e){}else n=e.data;var r=”object”===_typeof(n)?n.__tcfapiCall:null;r&&window.__tcfapi(r.command,r.version,(function(n,o){var a={__tcfapiReturn:{returnValue:n,success:o,callId:r.callId}};e&&e.source&&e.source.postMessage&&e.source.postMessage(t?JSON.stringify(a):a,”*”)}),r.parameter)}),!1))}(),function(){var e=!1,t=window,n=document;function r(e){var n=”string”==typeof e.data;try{var r=n?JSON.parse(e.data):e.data;if(r.__cmpCall){var o=r.__cmpCall;t.__uspapi(o.command,o.parameter,(function(t,r){var a={__cmpReturn:{returnValue:t,success:r,callId:o.callId}};e.source.postMessage(n?JSON.stringify(a):a,”*”)}))}}catch(r){}}!function e(){if(!t.frames.__uspapiLocator)if(n.body){var r=n.body,o=n.createElement(“iframe”);o.style.cssText=”display:none”,o.name=”__uspapiLocator”,r.appendChild(o)}else setTimeout(e,5)}(),”function”!=typeof __uspapi&&(t.__uspapi=function(){var t=arguments;if(__uspapi.a=__uspapi.a||[],!t.length)return __uspapi.a;”ping”===t[0]?t[2]({gdprAppliesGlobally:e,cmpLoaded:!1},!0):__uspapi.a.push([].slice.apply(t))},__uspapi.msgHandler=r,t.addEventListener(“message”,r,!1))}(),function(e){var t={};function n(r){if(t[r])return t[r].exports;var o=t[r]={i:r,l:!1,exports:{}};return e[r].call(o.exports,o,o.exports,n),o.l=!0,o.exports}n.m=e,n.c=t,n.d=function(e,t,r){n.o(e,t)||Object.defineProperty(e,t,{enumerable:!0,get:r})},n.r=function(e){“undefined”!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:”Module”}),Object.defineProperty(e,”__esModule”,{value:!0})},n.t=function(e,t){if(1&t&&(e=n(e)),8&t)return e;if(4&t&&”object”==typeof e&&e&&e.__esModule)return e;var r=Object.create(null);if(n.r(r),Object.defineProperty(r,”default”,{enumerable:!0,value:e}),2&t&&”string”!=typeof e)for(var o in e)n.d(r,o,function(t){return e[t]}.bind(null,o));return r},n.n=function(e){var t=e&&e.__esModule?function(){return e.default}:function(){return e};return n.d(t,”a”,t),t},n.o=function(e,t){return Object.prototype.hasOwnProperty.call(e,t)},n.p=”/”,n(n.s=0)}([function(e,t,n){“use strict”;n.r(t);var r=function(){var e=window.djcmp,t=void 0===e?{}:e;if(!t._params){var n=document.querySelector(“#djcmp”),r=n&&n.getAttribute(“data-params”);t._params=r&&JSON.parse(r)}return t._params||{}},o=function(){return!(-1!==(document&&document.cookie||””).indexOf(“gdprApplies=false”))},a=function(){return window&&window.djcmp&&window.djcmp.tcData&&window.djcmp.tcData.gdprApplies},i=function(){var e=a();return”boolean”==typeof e?e:null},p=function(e,t){if(r().gdprApplies)return!0;switch(e){case”cookieOnly”:return o();case”serviceOnly”:return function(){var e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:function(){},t=r().geoServiceUrl;if(t){var n=””.concat(t,”/geolocation-services/gdpr”);fetch(n).then((function(e){return e.json()})).then((function(t){var n=t.applies;e(n)})).catch((function(){e(null)}))}else”function”==typeof e&&e(null)}(t);case”tcfapiOnly”:return”function”==typeof t?function(e){var t=a();return”boolean”==typeof t?e(t):window.__tcfapi(“getTCData”,2,(function(t){var n=”boolean”!=typeof t.gdprApplies||t.gdprApplies;e(n)}))}(t):i();case”cookieFirst”:return-1!==(document&&document.cookie||””).indexOf(“gdprApplies=”)?o():i();default:return function(){var e=a();return”boolean”==typeof e?e:o()}()}},c=function(e){return!!r().ccpaApplies};!function(){var e=[];function t(){e.push(arguments)}window.djcmp||(t.gdprApplies=p,t.ccpaApplies=c,t.queue=e,window.djcmp=t)}()}]); ]]]]]]]]>]]]]]]>]]]]>]]> {}),performance:d}=window,o=e=>{const d=(t(“page”)||[]).indexOf(“setPerfMark”)>-1?”page”:”ace”;t(d,”setPerfMark”,[e,{isNewRelicEnabled:!0,justNewRelic:!1}])};e.cmd.push((()=>{const s={gptSlotRequested:!1,gptSlotRenderEnded:!1,gptSlotOnload:!1};window.adslots=window.adslots||{},window.adslots.spaAdtechPerfObj=s,t(“dataLayer”,”setData”,[{spaAdtechPerfObj:s}]),e.pubads().addEventListener(“slotRequested”,(()=>{const{spaAdtechPerfObj:e={}}=window.adslots,{gptSlotRequested:t}=e;t||(d.clearMarks(“gpt-slotRequested”),o(“gpt-slotRequested”),window.adslots.spaAdtechPerfObj.gptSlotRequested=!0)})),e.pubads().addEventListener(“slotRenderEnded”,(()=>{const{spaAdtechPerfObj:e={}}=window.adslots,{gptSlotRenderEnded:t}=e;t||(d.clearMarks(“gpt-slotRenderEnded”),o(“gpt-slotRenderEnded”),window.adslots.spaAdtechPerfObj.gptSlotRenderEnded=!0)})),e.pubads().addEventListener(“slotOnload”,(()=>{const{spaAdtechPerfObj:e={}}=window.adslots,{gptSlotOnload:t}=e;t||(d.clearMarks(“gpt-slotOnload”),o(“gpt-slotOnload”),window.adslots.spaAdtechPerfObj.gptSlotOnload=!0)}))}))})(); ]]]]]]]]>]]]]]]>]]]]>]]> {const{moatEnabled:t,adId:o,slot:d,requestAd:m}=e,s=a[o]&&a[o].slot||d;if(n.getEntriesByName(“moat-ace-firstAdItem”).length||i(“ace”,”setPerfMark”,[“moat-ace-firstAdItem”,{isNewRelicEnabled:!0}]),t&&”function”==typeof r&&r(s),!s)throw new ReferenceError(`slot ${o} is not defined`);m(s,e)})),window.moatQueue=null};((t=e)=>{if(“function”!=typeof t)throw new TypeError(“moatYieldReady must be a function”);window.moatYieldReady=t})()}(); ]]]]]]]]>]]]]]]>]]]]>]]> {function a(a,e){window.apstag._Q.push([a,e])}window.apstag||(window.apstag={init(){a(“i”,arguments)},fetchBids(){a(“f”,arguments)},setDisplayBids(){},targetingKeys:()=>[],_Q:[]})})(); ]]]]]]]]>]]]]]]>]]]]>]]> {n.d(t,{P_:()=>f,Mt:()=>p,C5:()=>s,DL:()=>m,OP:()=>_,lF:()=>E,Yu:()=>y,Dg:()=>g,CX:()=>c,GE:()=>b,sU:()=>j});var r=n(8632),i=n(9567);const o={beacon:r.ce.beacon,errorBeacon:r.ce.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){if(!e)throw new Error(“All info objects require an agent identifier!”);if(!a[e])throw new Error(“Info for “.concat(e,” was never set”));return a[e]}function c(e,t){if(!e)throw new Error(“All info objects require an agent identifier!”);a[e]=(0,i.D)(t,o),(0,r.Qy)(e,a[e],”info”)}var d=n(7056);const u=()=>{const e={blockSelector:”[data-nr-block]”,maskInputOptions:{password:!0}};return{allow_bfcache:!0,privacy:{cookies_enabled:!0},ajax:{deny_list:void 0,enabled:!0,harvestTimeSeconds:10},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},session:{domain:void 0,expiresMs:d.oD,inactiveMs:d.Hb},ssl:void 0,obfuscate:void 0,jserrors:{enabled:!0,harvestTimeSeconds:10},metrics:{enabled:!0},page_action:{enabled:!0,harvestTimeSeconds:30},page_view_event:{enabled:!0},page_view_timing:{enabled:!0,harvestTimeSeconds:30,long_task:!1},session_trace:{enabled:!0,harvestTimeSeconds:10},harvest:{tooManyRequestsDelay:60},session_replay:{enabled:!1,harvestTimeSeconds:60,sampleRate:.1,errorSampleRate:.1,maskTextSelector:”*”,maskAllInputs:!0,get blockClass(){return”nr-block”},get ignoreClass(){return”nr-ignore”},get maskTextClass(){return”nr-mask”},get blockSelector(){return e.blockSelector},set blockSelector(t){e.blockSelector+=”,”.concat(t)},get maskInputOptions(){return e.maskInputOptions},set maskInputOptions(t){e.maskInputOptions={…t,password:!0}}},spa:{enabled:!0,harvestTimeSeconds:10}}},l={};function f(e){if(!e)throw new Error(“All configuration objects require an agent identifier!”);if(!l[e])throw new Error(“Configuration for “.concat(e,” was never set”));return l[e]}function g(e,t){if(!e)throw new Error(“All configuration objects require an agent identifier!”);l[e]=(0,i.D)(t,u()),(0,r.Qy)(e,l[e],”config”)}function p(e,t){if(!e)throw new Error(“All configuration objects require an agent identifier!”);var n=f(e);if(n){for(var r=t.split(“.”),i=0;i{n.d(t,{D:()=>i});var r=n(50);function i(e,t){try{if(!e||”object”!=typeof e)return(0,r.Z)(“Setting a Configurable requires an object as input”);if(!t||”object”!=typeof t)return(0,r.Z)(“Setting a Configurable requires a model to set its initial properties”);const n=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(n).length?e:n;for(let a in o)if(void 0!==e[a])try{“object”==typeof e[a]&&”object”==typeof t[a]?n[a]=i(e[a],t[a]):n[a]=e[a]}catch(e){(0,r.Z)(“An error occurred while setting a property of a Configurable”,e)}return n}catch(e){(0,r.Z)(“An error occured while setting a Configurable”,e)}}},6818:(e,t,n)=>{n.d(t,{Re:()=>i,gF:()=>o,q4:()=>r});const r=”1.236.0″,i=”PROD”,o=”CDN”},385:(e,t,n)=>{n.d(t,{FN:()=>a,IF:()=>d,Nk:()=>l,Tt:()=>s,_A:()=>o,il:()=>r,pL:()=>c,v6:()=>i,w1:()=>u});const r=”undefined”!=typeof window&&!!window.document,i=”undefined”!=typeof WorkerGlobalScope&&(“undefined”!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||”undefined”!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),o=r?window:”undefined”!=typeof WorkerGlobalScope&&(“undefined”!=typeof self&&self instanceof WorkerGlobalScope&&self||”undefined”!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),a=””+o?.location,s=/iPad|iPhone|iPod/.test(navigator.userAgent),c=s&&”undefined”==typeof SharedWorker,d=(()=>{const e=navigator.userAgent.match(/Firefox[/s](d+.d+)/);return Array.isArray(e)&&e.length>=2?+e[1]:0})(),u=Boolean(r&&window.document.documentMode),l=!!navigator.sendBeacon},1117:(e,t,n)=>{n.d(t,{w:()=>o});var r=n(50);const i={agentIdentifier:””,ee:void 0};class o{constructor(e){try{if(“object”!=typeof e)return(0,r.Z)(“shared context requires an object as input”);this.sharedContext={},Object.assign(this.sharedContext,i),Object.entries(e).forEach((e=>{let[t,n]=e;Object.keys(i).includes(t)&&(this.sharedContext[t]=n)}))}catch(e){(0,r.Z)(“An error occured while setting SharedContext”,e)}}}},8e3:(e,t,n)=>{n.d(t,{L:()=>u,R:()=>c});var r=n(2177),i=n(1284),o=n(4322),a=n(3325);const s={};function c(e,t){const n={staged:!1,priority:a.p[t]||0};d(e),s[e].get(t)||s[e].set(t,n)}function d(e){e&&(s[e]||(s[e]=new Map))}function u(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:””,t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:”feature”;if(d(e),!e||!s[e].get(t))return a(t);s[e].get(t).staged=!0;const n=[…s[e]];function a(t){const n=e?r.ee.get(e):r.ee,a=o.X.handlers;if(n.backlog&&a){var s=n.backlog[t],c=a[t];if(c){for(var d=0;s&&d{let[t,n]=e;return n.staged}))&&(n.sort(((e,t)=>e[1].priority-t[1].priority)),n.forEach((e=>{let[t]=e;a(t)})))}function l(e,t){var n=e[1];(0,i.D)(t[n],(function(t,n){var r=e[0];if(n[0]===r){var i=n[1],o=e[3],a=e[2];i.apply(o,a)}}))}},2177:(e,t,n)=>{n.d(t,{ee:()=>d});var r=n(8632),i=n(2210),o=n(1284),a=n(5763),s=”nr@context”;let c=(0,r.fP)();var d;function u(){}function l(){return new u}function f(){d.aborted=!0,d.backlog={}}c.ee?d=c.ee:(d=function e(t,n){var r={},c={},g={},p=!1;try{p=16===n.length&&(0,a.OP)(n).isolatedBacklog}catch(e){}var h={on:b,addEventListener:b,removeEventListener:y,emit:m,get:A,listeners:w,context:v,buffer:x,abort:f,aborted:!1,isBuffering:D,debugId:n,backlog:p?{}:t&&”object”==typeof t.backlog?t.backlog:{}};return h;function v(e){return e&&e instanceof u?e:e?(0,i.X)(e,s,l):l()}function m(e,n,r,i,o){if(!1!==o&&(o=!0),!d.aborted||i){t&&o&&t.emit(e,n,r);for(var a=v(r),s=w(e),u=s.length,l=0;lr,p:()=>i});var r=n(2177).ee.get(“handle”);function i(e,t,n,i,o){o?(o.buffer([e],i),o.emit(e,t,n)):(r.buffer([e],i),r.emit(e,t,n))}},4322:(e,t,n)=>{n.d(t,{X:()=>o});var r=n(5546);o.on=a;var i=o.handlers={};function o(e,t,n,o){a(o||r.E,i,e,t,n)}function a(e,t,n,i,o){o||(o=”feature”),e||(e=r.E);var a=t[o]=t[o]||{};(a[n]=a[n]||[]).push([e,i])}},3239:(e,t,n)=>{n.d(t,{bP:()=>s,iz:()=>c,m$:()=>a});var r=n(385);let i=!1,o=!1;try{const e={get passive(){return i=!0,!1},get signal(){return o=!0,!1}};r._A.addEventListener(“test”,null,e),r._A.removeEventListener(“test”,null,e)}catch(e){}function a(e,t){return i||o?{capture:!!e,passive:i,signal:t}:!!e}function s(e,t){let n=arguments.length>2&&void 0!==arguments[2]&&arguments[2],r=arguments.length>3?arguments[3]:void 0;window.addEventListener(e,t,a(n,r))}function c(e,t){let n=arguments.length>2&&void 0!==arguments[2]&&arguments[2],r=arguments.length>3?arguments[3]:void 0;document.addEventListener(e,t,a(n,r))}},4402:(e,t,n)=>{n.d(t,{Rl:()=>a,ky:()=>s});var r=n(385);const i=”xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx”;function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=r._A?.crypto||r._A?.msCrypto;let t,n=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(31))),i.split(“”).map((e=>”x”===e?o(t,++n).toString(16):”y”===e?(3&o()|8).toString(16):e)).join(“”)}function s(e){const t=r._A?.crypto||r._A?.msCrypto;let n,i=0;t&&t.getRandomValues&&(n=t.getRandomValues(new Uint8Array(31)));const a=[];for(var s=0;s{n.d(t,{Bq:()=>r,Hb:()=>o,oD:()=>i});const r=”NRBA”,i=144e5,o=18e5},7894:(e,t,n)=>{function r(){return Math.round(performance.now())}n.d(t,{z:()=>r})},50:(e,t,n)=>{function r(e,t){“function”==typeof console.warn&&(console.warn(“New Relic: “.concat(e)),t&&console.warn(t))}n.d(t,{Z:()=>r})},2587:(e,t,n)=>{n.d(t,{N:()=>c,T:()=>d});var r=n(2177),i=n(5546),o=n(8e3),a=n(3325);const s={stn:[a.D.sessionTrace],err:[a.D.jserrors,a.D.metrics],ins:[a.D.pageAction],spa:[a.D.spa],sr:[a.D.sessionReplay,a.D.sessionTrace]};function c(e,t){const n=r.ee.get(t);e&&”object”==typeof e&&(Object.entries(e).forEach((e=>{let[t,r]=e;void 0===d[t]&&(s[t]?s[t].forEach((e=>{r?(0,i.p)(“feat-“+t,[],void 0,e,n):(0,i.p)(“block-“+t,[],void 0,e,n),(0,i.p)(“rumresp-“+t,[Boolean(r)],void 0,e,n)})):r&&(0,i.p)(“feat-“+t,[],void 0,void 0,n),d[t]=Boolean(r))})),Object.keys(s).forEach((e=>{void 0===d[e]&&(s[e]?.forEach((t=>(0,i.p)(“rumresp-“+e,[!1],void 0,t,n))),d[e]=!1)})),(0,o.L)(t,a.D.pageViewEvent))}const d={}},2210:(e,t,n)=>{n.d(t,{X:()=>i});var r=Object.prototype.hasOwnProperty;function i(e,t,n){if(r.call(e,t))return e[t];var i=n();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},1284:(e,t,n)=>{n.d(t,{D:()=>r});const r=(e,t)=>Object.entries(e||{}).map((e=>{let[n,r]=e;return t(n,r)}))},4351:(e,t,n)=>{n.d(t,{P:()=>o});var r=n(2177);const i=()=>{const e=new WeakSet;return(t,n)=>{if(“object”==typeof n&&null!==n){if(e.has(n))return;e.add(n)}return n}};function o(e){try{return JSON.stringify(e,i())}catch(e){try{r.ee.emit(“internal-error”,[e])}catch(e){}}}},3960:(e,t,n)=>{n.d(t,{K:()=>a,b:()=>o});var r=n(3239);function i(){return”undefined”==typeof document||”complete”===document.readyState}function o(e,t){if(i())return e();(0,r.bP)(“load”,e,t)}function a(e){if(i())return e();(0,r.iz)(“DOMContentLoaded”,e)}},8632:(e,t,n)=>{n.d(t,{EZ:()=>d,Qy:()=>c,ce:()=>o,fP:()=>a,gG:()=>u,mF:()=>s});var r=n(7894),i=n(385);const o={beacon:”bam.nr-data.net”,errorBeacon:”bam.nr-data.net”};function a(){return i._A.NREUM||(i._A.NREUM={}),void 0===i._A.newrelic&&(i._A.newrelic=i._A.NREUM),i._A.NREUM}function s(){let e=a();return e.o||(e.o={ST:i._A.setTimeout,SI:i._A.setImmediate,CT:i._A.clearTimeout,XHR:i._A.XMLHttpRequest,REQ:i._A.Request,EV:i._A.Event,PR:i._A.Promise,MO:i._A.MutationObserver,FETCH:i._A.fetch}),e}function c(e,t,n){let i=a();const o=i.initializedAgents||{},s=o[e]||{};return Object.keys(s).length||(s.initializedAt={ms:(0,r.z)(),date:new Date}),i.initializedAgents={…o,[e]:{…s,[n]:t}},i}function d(e,t){a()[e]=t}function u(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,…t}}(),function(){let e=a();const t=e.init||{};e.init={…t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={…t}}(),a()}},7956:(e,t,n)=>{n.d(t,{N:()=>i});var r=n(3239);function i(e){let t=arguments.length>1&&void 0!==arguments[1]&&arguments[1],n=arguments.length>2?arguments[2]:void 0,i=arguments.length>3?arguments[3]:void 0;return void(0,r.iz)(“visibilitychange”,(function(){if(t)return void(“hidden”==document.visibilityState&&e());e(document.visibilityState)}),n,i)}},3081:(e,t,n)=>{n.d(t,{gF:()=>o,mY:()=>i,t9:()=>r,vz:()=>s,xS:()=>a});const r=n(3325).D.metrics,i=”sm”,o=”cm”,a=”storeSupportabilityMetrics”,s=”storeEventMetrics”},7633:(e,t,n)=>{n.d(t,{Dz:()=>i,OJ:()=>a,qw:()=>o,t9:()=>r});const r=n(3325).D.pageViewEvent,i=”firstbyte”,o=”domcontent”,a=”windowload”},9251:(e,t,n)=>{n.d(t,{t:()=>r});const r=n(3325).D.pageViewTiming},5938:(e,t,n)=>{n.d(t,{W:()=>o});var r=n(5763),i=n(2177);class o{constructor(e,t,n){this.agentIdentifier=e,this.aggregator=t,this.ee=i.ee.get(e,(0,r.OP)(this.agentIdentifier).isolatedBacklog),this.featureName=n,this.blocked=!1}}},9144:(e,t,n)=>{n.d(t,{j:()=>v});var r=n(3325),i=n(5763),o=n(5546),a=n(2177),s=n(7894),c=n(8e3),d=n(3960),u=n(385),l=n(50),f=n(3081),g=n(8632);function p(){const e=(0,g.gG)();[“setErrorHandler”,”finished”,”addToTrace”,”inlineHit”,”addRelease”,”addPageAction”,”setCurrentRouteName”,”setPageViewName”,”setCustomAttribute”,”interaction”,”noticeError”,”setUserId”].forEach((t=>{e[t]=function(){for(var n=arguments.length,r=new Array(n),i=0;i1?n-1:0),i=1;i{e.exposed&&e.api[t]&&o.push(e.api[t](…r))})),o.length>1?o:o[0]}(t,…r)}}))}var h=n(2587);function v(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:{},v=arguments.length>2?arguments[2]:void 0,m=arguments.length>3?arguments[3]:void 0,{init:b,info:y,loader_config:w,runtime:A={loaderType:v},exposed:x=!0}=t;const D=(0,g.gG)();y||(b=D.init,y=D.info,w=D.loader_config),(0,i.Dg)(e,b||{}),(0,i.GE)(e,w||{}),(0,i.sU)(e,A),y.jsAttributes??={},u.v6&&(y.jsAttributes.isWorker=!0),(0,i.CX)(e,y),p();const _=function(e,t){t||(0,c.R)(e,”api”);const g={};var p=a.ee.get(e),h=p.get(“tracer”),v=”api-“,m=v+”ixn-“;function b(t,n,r,o){const a=(0,i.C5)(e);return null===n?delete a.jsAttributes[t]:(0,i.CX)(e,{…a,jsAttributes:{…a.jsAttributes,[t]:n}}),A(v,r,!0,o||null===n?”session”:void 0)(t,n)}function y(){}[“setErrorHandler”,”finished”,”addToTrace”,”inlineHit”,”addRelease”].forEach((e=>g[e]=A(v,e,!0,”api”))),g.addPageAction=A(v,”addPageAction”,!0,r.D.pageAction),g.setCurrentRouteName=A(v,”routeName”,!0,r.D.spa),g.setPageViewName=function(t,n){if(“string”==typeof t)return”/”!==t.charAt(0)&&(t=”/”+t),(0,i.OP)(e).customTransaction=(n||”http://custom.transaction”)+t,A(v,”setPageViewName”,!0)()},g.setCustomAttribute=function(e,t){let n=arguments.length>2&&void 0!==arguments[2]&&arguments[2];if(“string”==typeof e){if([“string”,”number”].includes(typeof t)||null===t)return b(e,t,”setCustomAttribute”,n);(0,l.Z)(“Failed to execute setCustomAttribute.nNon-null value must be a string or number type, but a type of was provided.”))}else(0,l.Z)(“Failed to execute setCustomAttribute.nName must be a string type, but a type of was provided.”))},g.setUserId=function(e){if(“string”==typeof e||null===e)return b(“enduser.id”,e,”setUserId”,!0);(0,l.Z)(“Failed to execute setUserId.nNon-null value must be a string type, but a type of was provided.”))},g.interaction=function(){return(new y).get()};var w=y.prototype={createTracer:function(e,t){var n={},i=this,a=”function”==typeof t;return(0,o.p)(m+”tracer”,[(0,s.z)(),e,n],i,r.D.spa,p),function(){if(h.emit((a?””:”no-“)+”fn-start”,[(0,s.z)(),i,a],n),a)try{return t.apply(this,arguments)}catch(e){throw h.emit(“fn-err”,[arguments,this,”string”==typeof e?new Error(e):e],n),e}finally{h.emit(“fn-end”,[(0,s.z)()],n)}}}};function A(e,t,n,i){return function(){return(0,o.p)(f.xS,[“API/”+t+”/called”],void 0,r.D.metrics,p),i&&(0,o.p)(e+t,[(0,s.z)(),…arguments],n?null:this,i,p),n?void 0:this}}function x(){n.e(439).then(n.bind(n,7438)).then((t=>{let{setAPI:n}=t;n(e),(0,c.L)(e,”api”)})).catch((()=>(0,l.Z)(“Downloading runtime APIs failed…”)))}return[“actionText”,”setName”,”setAttribute”,”save”,”ignore”,”onEnd”,”getContext”,”end”,”get”].forEach((e=>{w[e]=A(m,e,void 0,r.D.spa)})),g.noticeError=function(e,t){“string”==typeof e&&(e=new Error(e)),(0,o.p)(f.xS,[“API/noticeError/called”],void 0,r.D.metrics,p),(0,o.p)(“err”,[e,(0,s.z)(),!1,t],void 0,r.D.jserrors,p)},u.il?(0,d.b)((()=>x()),!0):x(),g}(e,m);return(0,g.Qy)(e,_,”api”),(0,g.Qy)(e,x,”exposed”),(0,g.EZ)(“activatedFeatures”,h.T),_}},3325:(e,t,n)=>{n.d(t,{D:()=>r,p:()=>i});const r={ajax:”ajax”,jserrors:”jserrors”,metrics:”metrics”,pageAction:”page_action”,pageViewEvent:”page_view_event”,pageViewTiming:”page_view_timing”,sessionReplay:”session_replay”,sessionTrace:”session_trace”,spa:”spa”},i={[r.pageViewEvent]:1,[r.pageViewTiming]:2,[r.metrics]:3,[r.jserrors]:4,[r.ajax]:5,[r.sessionTrace]:6,[r.pageAction]:7,[r.spa]:8,[r.sessionReplay]:9}}},r={};function i(e){var t=r[e];if(void 0!==t)return t.exports;var o=r[e]={exports:{}};return n[e](o,o.exports,i),o.exports}i.m=n,i.d=(e,t)=>{for(var n in t)i.o(t,n)&&!i.o(e,n)&&Object.defineProperty(e,n,{enumerable:!0,get:t[n]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,n)=>(i.f[n](e,t),t)),[])),i.u=e=>(({78:”page_action-aggregate”,147:”metrics-aggregate”,242:”session-manager”,317:”jserrors-aggregate”,348:”page_view_timing-aggregate”,412:”lazy-feature-loader”,439:”async-api”,538:”recorder”,590:”session_replay-aggregate”,675:”compressor”,733:”session_trace-aggregate”,786:”page_view_event-aggregate”,873:”spa-aggregate”,898:”ajax-aggregate”}[e]||e)+”.”+{78:”ac76d497″,147:”3dc53903″,148:”1a20d5fe”,242:”2a64278a”,317:”49e41428″,348:”bd6de33a”,412:”2f55ce66″,439:”30bd804e”,538:”1b18459f”,590:”cf0efb30″,675:”ae9f91a8″,733:”83105561″,786:”06482edd”,860:”03a8b7a5″,873:”e6b09d52″,898:”998ef92b”}[e]+”-1.236.0.min.js”),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t=”NRBA:”,i.l=(n,r,o,a)=>{if(e[n])e[n].push(r);else{var s,c;if(void 0!==o)for(var d=document.getElementsByTagName(“script”),u=0;u{s.onerror=s.onload=null,clearTimeout(g);var i=e[n];if(delete e[n],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(r))),t)return t(r)},g=setTimeout(f.bind(null,void 0,{type:”timeout”,target:s}),12e4);s.onerror=f.bind(null,s.onerror),s.onload=f.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{“undefined”!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:”Module”}),Object.defineProperty(e,”__esModule”,{value:!0})},i.j=6,i.p=”https://js-agent.newrelic.com/”,(()=>{var e={6:0,352:0};i.f.j=(t,n)=>{var r=i.o(e,t)?e[t]:void 0;if(0!==r)if(r)n.push(r[2]);else{var o=new Promise(((n,i)=>r=e[t]=[n,i]));n.push(r[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(n=>{if(i.o(e,t)&&(0!==(r=e[t])&&(e[t]=void 0),r)){var o=n&&(“load”===n.type?”missing”:n.type),a=n&&n.target&&n.target.src;s.message=”Loading chunk “+t+” failed.n(“+o+”: “+a+”)”,s.name=”ChunkLoadError”,s.type=o,s.request=a,r[1](s)}}),”chunk-“+t,t)}};var t=(t,n)=>{var r,o,[a,s,c]=n,d=0;if(a.some((t=>0!==e[t]))){for(r in s)i.o(s,r)&&(i.m[r]=s[r]);if(c)c(i)}for(t&&t(n);d{i.r(o);var e=i(3325),t=i(5763);const n=Object.values(e.D);function r(e){const r={};return n.forEach((n=>{r[n]=function(e,n){return!1!==(0,t.Mt)(n,””.concat(e,”.enabled”))}(n,e)})),r}var a=i(9144);var s=i(5546),c=i(385),d=i(8e3),u=i(5938),l=i(3960),f=i(50);class g extends u.W{constructor(e,t,n){let r=!(arguments.length>3&&void 0!==arguments[3])||arguments[3];super(e,t,n),this.auto=r,this.abortHandler,this.featAggregate,this.onAggregateImported,r&&(0,d.R)(e,n)}importAggregator(){let e=arguments.length>0&&void 0!==arguments[0]?arguments[0]:{};if(this.featAggregate||!this.auto)return;const n=c.il&&!0===(0,t.Mt)(this.agentIdentifier,”privacy.cookies_enabled”);let r;this.onAggregateImported=new Promise((e=>{r=e}));const o=async()=>{let t;try{if(n){const{setupAgentSession:e}=await Promise.all([i.e(860),i.e(242)]).then(i.bind(i,3228));t=e(this.agentIdentifier)}}catch(e){(0,f.Z)(“A problem occurred when starting up session manager. This page will not start or extend any session.”,e)}try{if(!this.shouldImportAgg(this.featureName,t))return void(0,d.L)(this.agentIdentifier,this.featureName);const{lazyFeatureLoader:n}=await i.e(412).then(i.bind(i,8582)),{Aggregate:o}=await n(this.featureName,”aggregate”);this.featAggregate=new o(this.agentIdentifier,this.aggregator,e),r(!0)}catch(e){(0,f.Z)(“Downloading and initializing “.concat(this.featureName,” failed…”),e),this.abortHandler?.(),r(!1)}};c.il?(0,l.b)((()=>o()),!0):o()}shouldImportAgg(n,r){return n!==e.D.sessionReplay||!1!==(0,t.Mt)(this.agentIdentifier,”session_trace.enabled”)&&(!!r?.isNew||!!r?.state.sessionReplay)}}var p=i(7633),h=i(7894);class v extends g{static featureName=p.t9;constructor(n,r){let i=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];if(super(n,r,p.t9,i),(“undefined”==typeof PerformanceNavigationTiming||c.Tt)&&”undefined”!=typeof PerformanceTiming){const r=(0,t.OP)(n);r[p.Dz]=Math.max(Date.now()-r.offset,0),(0,l.K)((()=>r[p.qw]=Math.max((0,h.z)()-r[p.Dz],0))),(0,l.b)((()=>{const t=(0,h.z)();r[p.OJ]=Math.max(t-r[p.Dz],0),(0,s.p)(“timing”,[“load”,t],void 0,e.D.pageViewTiming,this.ee)}))}this.importAggregator()}}var m=i(1117),b=i(1284);class y extends m.w{constructor(e){super(e),this.aggregatedData={}}store(e,t,n,r,i){var o=this.getBucket(e,t,n,i);return o.metrics=function(e,t){t||(t={count:0});return t.count+=1,(0,b.D)(e,(function(e,n){t[e]=w(n,t[e])})),t}(r,o.metrics),o}merge(e,t,n,r,i){var o=this.getBucket(e,t,r,i);if(o.metrics){var a=o.metrics;a.count+=n.count,(0,b.D)(n,(function(e,t){if(“count”!==e){var r=a[e],i=n[e];i&&!i.c?a[e]=w(i.t,r):a[e]=function(e,t){if(!t)return e;t.c||(t=A(t.t));return t.min=Math.min(e.min,t.min),t.max=Math.max(e.max,t.max),t.t+=e.t,t.sos+=e.sos,t.c+=e.c,t}(i,a[e])}}))}else o.metrics=n}storeMetric(e,t,n,r){var i=this.getBucket(e,t,n);return i.stats=w(r,i.stats),i}getBucket(e,t,n,r){this.aggregatedData[e]||(this.aggregatedData[e]={});var i=this.aggregatedData[e][t];return i||(i=this.aggregatedData[e][t]={params:n||{}},r&&(i.custom=r)),i}get(e,t){return t?this.aggregatedData[e]&&this.aggregatedData[e][t]:this.aggregatedData[e]}take(e){for(var t={},n=””,r=!1,i=0;it.max&&(t.max=e),e2&&void 0!==arguments[2])||arguments[2];super(e,n,I.t,r),c.il&&((0,t.OP)(e).initHidden=Boolean(“hidden”===document.visibilityState),(0,k.N)((()=>(0,s.p)(“docHidden”,[(0,h.z)()],void 0,I.t,this.ee)),!0),(0,T.bP)(“pagehide”,(()=>(0,s.p)(“winPagehide”,[(0,h.z)()],void 0,I.t,this.ee))),this.importAggregator())}}var P=i(3081);class S extends g{static featureName=P.t9;constructor(e,t){let n=!(arguments.length>2&&void 0!==arguments[2])||arguments[2];super(e,t,P.t9,n),this.importAggregator()}}new class{constructor(e){let t=arguments.length>1&&void 0!==arguments[1]?arguments[1]:(0,j.ky)(16);c._A?(this.agentIdentifier=t,this.sharedAggregator=new y({agentIdentifier:this.agentIdentifier}),this.features={},this.desiredFeatures=new Set(e.features||[]),this.desiredFeatures.add(v),Object.assign(this,(0,a.j)(this.agentIdentifier,e,e.loaderType||”agent”)),this.start()):(0,f.Z)(“Failed to initial the agent. Could not determine the runtime environment.”)}get config(){return{info:(0,t.C5)(this.agentIdentifier),init:(0,t.P_)(this.agentIdentifier),loader_config:(0,t.DL)(this.agentIdentifier),runtime:(0,t.OP)(this.agentIdentifier)}}start(){const t=”features”;try{const n=r(this.agentIdentifier),i=[…this.desiredFeatures];i.sort(((t,n)=>e.p[t.featureName]-e.p[n.featureName])),i.forEach((t=>{if(n[t.featureName]||t.featureName===e.D.pageViewEvent){const r=function(t){switch(t){case e.D.ajax:return[e.D.jserrors];case e.D.sessionTrace:return[e.D.ajax,e.D.pageViewEvent];case e.D.sessionReplay:return[e.D.sessionTrace];case e.D.pageViewTiming:return[e.D.pageViewEvent];default:return[]}}(t.featureName);r.every((e=>n[e]))||(0,f.Z)(“”.concat(t.featureName,” is enabled but one or more dependent features has been disabled (“).concat((0,E.P)(r),”). This may cause unintended consequences or missing data…”)),this.features[t.featureName]=new t(this.agentIdentifier,this.sharedAggregator)}})),(0,_.Qy)(this.agentIdentifier,this.features,t)}catch(e){(0,f.Z)(“Failed to initialize all enabled instrument classes (agent aborted) -“,e);for(const e in this.features)this.features[e].abortHandler?.();const n=(0,_.fP)();return delete n.initializedAgents[this.agentIdentifier]?.api,delete n.initializedAgents[this.agentIdentifier]?.[t],delete this.sharedAggregator,n.ee?.abort(),delete n.ee?.get(this.agentIdentifier),!1}}}({features:[v,N,S],loaderType:”lite”})})(),window.NRBA=o})();]]]]]]]]>]]]]]]>]]]]>]]> [] { if ([‘subscriber’, ‘prosubscriber’].includes(window.utag_data.user_type)) { return; } const delayParam = parseInt(window.localStorage.getItem(‘swg-call-delay’), 10); if (delayParam && (delayParam > Date.now())) { return; } // If GaaMetering is initiated, it would initiate the subscriptions behind the scene // https://github.com/subscriptions-project/swg-js/blob/main/src/utils/gaa.js if (!this.hasInitGaaMetering) { subscriptions.init(productID); this.getEntitlements(subscriptions, productID); } }); }, getEntitlements(subscriptions, productId) { subscriptions.getEntitlements() .then(window.__googleEA?.handleSwGEntitlement(productId)) .catch((err) => { console.error(`[SWG Entitlements Failed]: ${err}`); }); }, getHandleLoginPromise() { return new Promise(() => { window.GaaMetering?.getLoginPromise() .then(() => { const LOGIN_URL = { WSJ: ‘www.wsj.com/client/login’, BOL: ‘www.barrons.com/client/login’, FN: ‘www.dowjones.com/client/login’, MW: ‘www.marketwatch.com/client/login’, MG: ‘www.dowjones.com/client/login’ }; const prefix = envGoogleEA === ‘prod’ ? ” : ‘int.’; const baseUrl = LOGIN_URL[window.utag_data.page_site_product]; const loginUrl = `https://${prefix}${baseUrl}`; const targetUrl = new URL(window.location.href); targetUrl.searchParams.set(‘isGaa’, true); window.location.href = `${loginUrl}?target=${encodeURIComponent(targetUrl)}`; }); }); }, getRegisterUserPromise() { return new Promise(() => { window.GaaMetering?.getGaaUserPromise() .then((credential) => { window.__googleEA?._registerUser(credential); }); }); }, showPaywall() { const SHOP_URL = { prod: { WSJ: ‘https://subscribe.wsj.com?target=’, BOL: ‘https://subscribe.barrons.com?target=’, FN: ‘https://partner.fnlondon.com/p/1140300052/eligibility?mod=subscribe-google-ea&targetURL=’, MW: ‘https://subscribe.marketwatch.com?target=’ }, dev: { WSJ: ‘https://subscribe.wsj.com?target=’, BOL: ‘https://subscribe.barrons.com?target=’, FN: ‘https://partner.s.dev.fnlondon.com/p/p_fnlondon/eligibility/?mod=subscribe-google-ea&targetURL=’, MW: ‘https://subscribe.marketwatch.com?target=’ } }; const product = window.utag_data.page_site_product; const targetUrl = new URL(window.location.href); targetUrl.searchParams.set(‘isGaa’, true); window.location.href = `${(SHOP_URL[envGoogleEA] || SHOP_URL.dev)[product]}${encodeURIComponent(targetUrl)}`; }, handleSwGEntitlement(productId) { return (entitlements) => { if (!entitlements || !Array.isArray(entitlements.entitlements) || !entitlements.entitlements.length) { window.localStorage.setItem(‘swg-call-delay’, Date.now() + (60 * 60 * 1000)); return; } let subscriptionToken; for (const entitlement of entitlements.entitlements) { if ((entitlement.source === ‘google’) && (entitlement.products.includes(productId))) { subscriptionToken = entitlement.subscriptionToken; } } if (!subscriptionToken) { return; } const isCxdjExist = window.setInterval(() => { if (window.cxdj?.meta?.topDomain && window.cxdj?.displaySwgScrim) { window.cxdj.displaySwgScrim(); clearInterval(isCxdjExist); } }, 100); }; }, getAllowedReferrers() { const PRODUCT_DOMAIN = { WSJ: ‘wsj.com’, BOL: ‘barrons.com’, FN: ‘fnlondon.com’, MW: ‘marketwatch.com’, MG: ‘mansionglobal.com’ }; const LOGIN_URL = { WSJ: ‘accounts.wsj.com’, BOL: ‘accounts.barrons.com’, FN: ‘accounts.dowjones.com’, MW: ‘accounts.marketwatch.com’, MG: ‘accounts.dowjones.com’ }; const SHOP_URL = { prod: { WSJ: ‘subscribe.wsj.com’, BOL: ‘subscribe.barrons.com’, FN: ‘partner.fnlondon.com’, MW: ‘subscribe.marketwatch.com’ }, dev: { WSJ: ‘subscribe.wsj.com’, BOL: ‘subscribe.barrons.com’, FN: ‘partner.s.dev.fnlondon.com’, MW: ‘subscribe.marketwatch.com’ } }; const product = window.utag_data.page_site_product; const productHostNamePrefix = envGoogleEA === ‘prod’ ? ” : ‘s.dev.’; const productHostName = `www.${productHostNamePrefix}${PRODUCT_DOMAIN[product]}`; return [productHostName, LOGIN_URL[product], `${(SHOP_URL[envGoogleEA] || SHOP_URL.dev)[product]}`]; }, _registerUser(credential) { const PRODUCT_DOMAIN = { WSJ: ‘wsj’, BOL: ‘barrons’, FN: ‘fnlondon’, MW: ‘marketwatch’, MG: ‘mansionglobal’ }; const EDITION_ID = { WSJ: ‘WSJ-EN_US’, BOL: ‘BARRONS-EN_US’, FN: ‘EFN-EN_US’, MW: ‘MARKETWATCH-EN_US’, MG: ‘MG-EN_US’ }; const REGISTRATION_SOURCE = { WSJ: ‘WSJ’, BOL: ‘BARRONS’, FN: ‘EFN’, MW: ‘MARKETWATCH’, MG: ‘MG’ }; const LOGIN_URL = { WSJ: ‘accounts.wsj.com/auth’, BOL: ‘accounts.barrons.com/auth’, FN: ‘accounts.dowjones.com/auth/fn’, MW: ‘accounts.marketwatch.com/auth’ }; const pageSiteProduct = window.utag_data.page_site_product; const registerUrlPrefix = envGoogleEA === ‘prod’ ? ” : ‘s.dev.’; const registerBasedUrl = `https://register.${registerUrlPrefix}${PRODUCT_DOMAIN[pageSiteProduct]}.com`; const registerEndpoint = `${registerBasedUrl}/api/createSocialConnectUser`; const loginUrlPrefix = envGoogleEA === ‘prod’ ? ” : ‘int.’; const loginBaseUrl = LOGIN_URL[pageSiteProduct]; const loginUrl = `https://${loginUrlPrefix}${loginBaseUrl}/google-login`; const targetUrl = new URL(window.location.href); targetUrl.searchParams.set(‘isGaa’, true); fetch(registerEndpoint, { method: ‘POST’, body: JSON.stringify({ id_token: credential?.credential, displayContextId: ‘SOCIAL_CONNECT’, returnUrl: window.location.href.split(‘?’)[0], editionId: `${EDITION_ID[pageSiteProduct]}`, registrationSource: `${REGISTRATION_SOURCE[pageSiteProduct]}` }), headers: { ‘content-type’: ‘application/json’, } }) .then((response) => { if (!response.ok) { console.error(‘GoogleEA: Social Connect Invalid Status Code’); return; } return response.json(); }) .then((userState) => { if (!userState) { console.error(‘GoogleEA: Social Connect No Data’); return; } window.location.href = `${loginUrl}?target=${encodeURIComponent(targetUrl)}`; }) .catch((err) => { console.error(`GoogleEA: Social Connect Err: ${err}`); }); } }; })() ]]]]]]]]>]]]]]]>]]]]>]]>

Skip to main content

Beth Pinsker

Last Updated: July 25, 2023 at 10:31 a.m. ET First Published: July 25, 2023 at 6:13 a.m. ET

There’s never enough time and nobody’s perfect, but families need to talk about these hard topics

Finding my mom’s storage lockers turned into a true treasure hunt, with clues, maps, secret keys and all.

Getty Images

[]When I started the caretaking journey with my mother after she had back surgery last fall, I did research, talked to experts and, most of all, lived through it. I thought it would be useful to pass along some of what I learned to others. The whole time, I was anxious that a point would come where that would get too sad and serious. That is now.  

[]When my mom handed over the financial reins to me, we thought that was a temporary situation, but things took a turn for the worse faster than we expected and my mom passed away recently. 

[]Everyone thinks they’ll have more time, which is why that’s such a cliché. Every financial planning element we set in place turned out to be essential to making this time easier for me and my family. My mom had all the proper power of attorney forms and healthcare proxies, a will, a trust and beneficiaries on the important accounts. She had cheat sheets prepared for me with crucial information – including her cemetery plot information and the number of the funeral home to call. 

[]But there are still so many things we forgot to do. 

[]Nobody’s perfect. But if I could have just a little more time, this is what I’d wish I’d been able to ask her before it was too late: 

Where is your second storage locker? 

[]My mom lived in a condo building, and I knew where her storage locker was and where she kept the key. Turns out, she had two. Maybe three. By the time we figured that out, my mom couldn’t answer verbally, so it turned into a true treasure hunt, with clues, maps, secret keys and all. At one point, I asked my mom to squeeze my hand if she had a second storage locker. She did. I asked her if it was on the lobby level. No squeeze. Basement. Nope. Sub-basement? Yes. 

[]Some heirs also come across storage locker keys when they are going through a loved one’s effects after a death, and have to go searching for the unit all over town, so I’m lucky this was confined to just the many storage rooms scattered throughout the parking garage. We also had the foresight to deal with her safe-deposit box before her death. I used the power of attorney documents to gain access when she was in the hospital, then emptied and closed it out when my mom came home for hospice. Most people forget about that one and get stuck needing a probate court order to open the box, which takes months and lawyer fees. 

[]Some of the reason for our confusion was that my mom’s building had just changed management teams, and they didn’t have any record of a second locker, let alone a third, which the former manager we tracked down had a vague memory of her renting from another resident off the books. 

[]So we started to look in each storage room, peeking into the wire cages to see if we could identify my mom’s stuff. In an unmarked file on a local drive on a computer in the management office, they located a second locker, on the lobby level, and I went down with a huge ring of keys from my mom’s desk. All I found was leftover floor tile from a renovation, an old mirror and some other junk, while the first locker just had beach toys and empty plastic storage bins. The treasure we were seeking was my grandmother’s paintings, which I bet are still in some unmarked cubby in the sub-basement, just where my mom indicated. 

What happened to your tennis bracelet? 

[]Some people may be better at keeping track of the family jewels than I am and have this one nailed down. But this whole area eluded me, maybe because in our family, my grandmother kept the good stuff locked away in a safe-deposit box, and then my mom did too after she inherited it all. When I looked through the loot, I couldn’t remember having seen any of the pieces before and could only guess at their significance as family heirlooms. 

[]Then the existential crisis set in: What’s the point of having nice things if they are locked away in a box and nobody ever sees them or enjoys them? My grandparents passed valuable items down to my mother, and she was trying to preserve them for me and my children. But in hiding them away, we lost the emotional connection to them. 

[]This happened with so much of my mother’s stuff, and as we clean out her apartment, we don’t know the story behind much of it. I meant to record her narrating each item, but we ran out of time. Is that Biblical-looking stone tablet on the shelf from our trip to Israel, or is it from Home Goods? Are any of the silver plates in the china cabinet from our relatives who immigrated from Eastern Europe? Could the tea set on the hall table really be an antique worth hundreds of dollars? And what the heck is the deal with the ugly carved dragon chair that used to be in my grandparents’ foyer? 

[]Most of all, what happened to the tennis bracelet that my dad gave my mom at some point (nobody could remember exactly when)? When somebody mentioned it because it wasn’t in the stash, I remembered something about it being lost – and a sore subject. So I started to look through photos on my phone, and I found my mom wearing it circa 2006, but by 2008, it was gone. Did she file an insurance claim? Would we find it somewhere in the apartment when we moved furniture? It’s still a mystery. 

What else am I missing? 

[]You hear about people finding lost life insurance policies for deceased relatives and other unclaimed funds all the time. I recently filed claims for two old accounts of my own that came up when I did a search of my state’s database, and ended up getting checks for $300. My mom did not leave a complete inventory of all her accounts and insurance policies, but she left a pretty good paper trail that has been intuitive to follow. I needed to find her birth certificate, for instance, and it was right in a file marked “important papers” where you’d expect it to be, with her original Social Security card (and my father’s, my brother’s and mine, too). 

[]I was able to easily make a claim for her life insurance, which had beneficiaries named properly. I went through her wallet and found all her current credit cards. Nothing surprising turned up on her credit report. So most of what I have to do to settle her estate is methodically go through all her accounts and close them one by one. 

[]But I don’t know what I don’t know. The best advice I’ve heard is to monitor a deceased person’s mail for a year to see what notices and bills turn up. Other than that, we just have to keep digging through her papers and seeing what we can learn.  

More from Beth Pinsker

Generation X can still retire — here’s how

[]A new report says that most of Generation X—those now aged between 43 and 58—are now in deep, deep trouble for their retirements.

[]Beth Pinsker is a financial-planning columnist at MarketWatch. She has been a certified financial planner (CFP®) since 2018. Previously, she was a personal finance columnist and editor at Reuters, an editorial director at Fidelity and editor-in-chief of Walletpop.com. Prior to covering personal finance, she was a film critic and entertainment business reporter, writing for Entertainment Weekly, The Dallas Morning News and many more publications. You can follow her on Twitter @bethpinsker.

--> More stuff could go in this aside column

No Recent Tickers

[]Visit a quote page and your recently viewed tickers will be displayed here.

[]

[] No results found

{ // If Dianomi is disabled by user, add ‘generic’ style hiding anything // with a j-dianomi-content class. Allows for cleanup of things like headers // on bottom of home/section pages and borders on MoreHeadlines of quote page const css = ‘.j-dianomi-content { display: none !important; }’; const styleEl = document.createElement(‘style’); styleEl.type = ‘text/css’; styleEl.appendChild(document.createTextNode(css)); document.head.appendChild(styleEl); } const checkDianomiVendor = () => { if (typeof __ace !== ‘undefined’) { // To get Dianomi Vendor Id (or any vendor Id) do following from Console of Marketwatch.com // console.table(__ace(‘djcmp’, ‘getAllVendors’, [])) __ace(‘djcmp’, ‘customVendorIsEnabled’, [‘5fdc7a2fa2286360b24ef388’, (isVendorEnabled) => { if (isVendorEnabled) { loadDianomiScript(); } else { addDianomiDisabledStyles(); } }]); } } // Wait for CMP to finish loading before checking if Dianomi is disabled if (typeof __ace !== ‘undefined’) { __ace(‘djcmp’, ‘executeOnCmpReady’, [{ cb: checkDianomiVendor }]); } }()); ]]]]]]]]>]]]]]]>]]]]>]]>


Source

Leave a Reply

Your email address will not be published. Required fields are marked *