Written by Dick Maybach, a
member of the Brookdale Computer User Group, New Jersey
http://www.bcug.com/
N2nd(at)att.net
Here, we aren’t discussing
PC problems such as disk crashes, but real life disasters, such as those
represented by the four horsemen of the apocalypse: pestilence, war, famine,
and death. There’s not much we can do about these, but careful preparations
will lessen the consequences. While it’s not pleasant to contemplate woes, and
you certainly don’t want to become obsessed, some constructive worrying today
could save you or your family much trouble later.
PCs have become
indispensable tools for many of us. The conscientious user backs up regularly,
probably to an external drive sitting beside the PC. However, if you experience
a fire, flood, or theft, both your PC and its backup data will probably
disappear together. If a theft occurred, not only have you lost your data, but
somebody else has it. You’ll need to cancel your credit cards and close bank accounts
immediately, but you no longer have the information you need to do this. Thus,
there are two problems: replacing the lost data and stopping somebody else from
misusing it.
The best solution to the
first problem is to keep a backup of your critical data in a safe place, such
as bank deposit box. Many banks offer free boxes to their customers, but you
could also keep the information at work or with a friend. It will be most
convenient to restore this critical data to your (presumably new) PC if the backup
takes the form of diskettes or CD-ROMs. If your deposit box is too small or too
full to hold a 5 ¼ inch disc, use a 3 1/8 inch CD-ROM (holding about 200
Mbytes) or a USB thumb drive. The saved data will include, for example, your
passwords, contact names and addresses, financial data, and family photos.
For the second problem, keep
a paper copy of your credit card and bank account numbers as well as contact
information for your financial institutions. You will want this data
immediately, and it will take a little time to find a PC and print out the
contents of a disc.
You’ve now taken care of
disasters that happen to your home, but what if something happens to you? What
information will your family need if you are not available or incapacitated?
Certainly, this includes the user names and passwords for your computer and
PDA. They will need the URLs, user names, and passwords of any sites you use
for financial transactions, such as credit cards, banks, merchants that are
authorized to charge your credit cards or make withdrawals from your bank
account, employers, and retirement organizations. They will also need the
passwords for any data you have encrypted, such as Quicken files or password
storage programs. Finally, they will need your social security number, birth
certificate, and life and health insurance policy information. You should have
a paper copy of this information and tell your family where it is.
What do you do if a relative
dies and you must obtain access to their PC and allow their family to carry on
with their financial duties? If there is a BIOS password on a desktop PC, you
must open the system unit. Most motherboards have a connector into which you
can insert a jumper to restore the BIOS factory defaults and remove any
passwords. Laptops have similar provisions, but you will have to contact the
manufacturer to find what it is. Once the BIOS password is removed you can boot
the machine, at which point you may find it has a Windows password. The safest
procedure is to obtain a Linux “live CD-ROM”, such as Knoppix. With this you
can boot Linux directly from the CD-ROM, which will let you read and copy, but
not necessarily write, Windows files. Once you have copied all the critical
files from the PC, you can reset the Windows password using one of the
password-cracking programs that are available on the Internet. IMPORTANT
EXCEPTION – Windows 2000 and XP Pro allows files and folders to be encrypted.
If this has been done, resetting the Windows password will render these
permanently unreadable. Fortunately, few users use this feature. There are also
PDA password cracking programs, but those I’ve found work only on the PC
desktop program that backs up the PDA; I’ve not seen one for the PDA itself. If
there are encrypted Quicken files, Intuit promises to remove the passwords for
$10 per file; see their Web site for more information. If you are more
adventuresome, Quicken password-cracking programs available on the Internet.
If the relative uses on-line
banking, contact the bank to obtain a new password and change the ownership of
the account. Monitor the account carefully for automatic transfers, both
deposits and withdrawals. You probably want to stop these. Also contact all
credit- and debit-card vendors to close the accounts, and notify employers and,
if appropriate, Social Security of the change. Open and read carefully all
letters; some bills and checks appear to be junk mail. Finally, be alert for
scams; for instance, you might receive unordered merchandise or claims of
debts.
Having to deal with these
issues is especially difficult in times of stress, and preparing the
information before they arise is a much better approach.
This article may be
published only by APCUG member user groups. All other uses are prohibited. When
used, APCUG must be acknowledged as the source and the author credited. The
Editorial Committee of the Association of Personal Computer User Groups
(APCUG), an international organization of which this group is a member, brings
this article to you.