Did you know you can ask your landlord for a temporary reduction for April and May rent? You can. Big corporations do it all the time. And while no landlord wants to get less money, many are willing to negotiate when tenants fall on hard times. This article is all about how to ask your landlord for a discount on rent. Share it with anyone who you think might need it and leave comments so we can all learn from your experience.

“Now that we’re on lockdown, I have no idea how I’m going to pay rent.”

“I’m scared of…


I’ll be expanding these ideas in a forthcoming article and book but with prices skyrocketing, and so many new people owning tokens for the first time, I want to provide a quick reference guide that you can complete in less than 10 minutes to help protect your new assets.

Edit: my book Cryptoasset Inheritance Planning: a simple guide for owners is now available at Amazon.com (and at amazon sites throughout the world).

How to use this guide: The fastest, most secure way to use guide this is to print two copies of it as-is, don’t fill in the blanks on…


You know you need to do estate planning for your cryptocurrencies, because if you don’t your family likely won’t be able inherit them. You’ve probably been thinking about it for awhile, but it hasn’t made it to the top of your “to-do” list yet (it probably never will). Instead of waiting until you’ve got the time/resources/energy to devote to building an entire estate plan, here’s a simple template that you can complete in less than 5 minutes; it might be the difference between your family inheriting your crypto and them losing out.

Edit: my book Cryptoasset Inheritance Planning: a simple…


What will happen to my bitcoin and other assets when I die?

This is a question most of us want to avoid, because we don’t know, because we don’t like to think about death, because we can think of 100 other more fun things to contemplate -like all the drama surrounding 2X and who said what on twitter or reddit. But with self-controlled assets, ignoring our own mortality comes at a cost to our descendants, dependents, community groups, and political causes because our keys, and therefore access to the assets, could die with us. …


Image: Nick Youngson — http://nyphotographic.com/

Most people have never thought about what will happen to their bitcoin, ether, and other crypto-assets if something bad happens to them. Even if you do understand the concept of passing your crypto-assets to your loved ones, actually doing the work to make it happen is often a daunting prospect. It’s one of those tasks, without a hard deadline, that gets pushed to the end of your to-do list, repeatedly. Most people don’t know where to start and there are very few resources available to help guide you through the process. …


This is the second article in the series Bitcoin Security Made Easy: Simple Tips for Non-Experts. If you aren’t using a password manager yet, please start with the first article in the series.

By now you’ve probably heard of 2FA, or two-factor authentication, and know you should probably be using it. When I first heard of 2FA, I didn’t really understand how it worked or why I would intentionally want to add more time and steps to logging in. It sounded like a time-consuming chore. I was worried that if I didn’t have cell service, I’d be locked out of…


This is the first article in a series discussing general security practices that become essential when your money is digital.

I have a confession. While today I work to help people and organizations secure their bitcoin, in 2013 my security practices were abysmal. My passwords were terrible. Really awful, like 12345 and Abc123. Oh, and I reused the same passwords everywhere, except for online banking where I cleverly combined my three bad passwords for “added security.” Looking back, it’s amazing I never got hacked. Or maybe I did but I just didn’t know it…

Am I embarrassed to confess? No…


A pandemic is plaguing the cryptocurrency industry today, yet most of us don’t yet know we’re infected. These diseases arise from extreme exposure to hundreds of national and local laws, jurisdictions, rules, and unknown legal risks due to engaging in open global systems in a world that is largely still clinging to nation-centric, hyper-local rules and controls. While currently there is no cure for these diseases as a whole, we can acquire immunity to some of the most problematic, by using an existing prophylactic vaccine: arbitration. …


“How did multisig fail? Why did people lose their money? I thought multisig was secure.” Through the Bitfinex hack it’s become apparent that people don’t really understand bitcoin’s multisig feature. There seems to be a lot of confusion over what multisig is and isn’t, what it inherently does or does not do. This article aims to clarify some of the most common misconceptions, explain how multisig actually works today, why policy controls aren’t a substitute for organizational security, and what you can do to protect yourself.

Multisig is a tool. Just like any other tool, it can be used to…


Most justice systems today require identification as a precondition to participation. In fact, in 10 years of legal practice, I’ve never had a client ask why ID is required. We simply accept, without question, that in order to get justice we must disclose identity. But what if that’s not true? Can we uncouple identity and justice?

Bitcoin, open blockchains, and smart contracts ignore national identity and jurisdiction by default. Yet both of these are standard requirements to participate in traditional court processes. As I see it, this leaves us with three broad options: (1) ignore the problem, leaving a legal…

Pamela Morgan

Educator. Entrepreneur. Attorney. Empowering others. Believer in social justice, freedom, & smiling at strangers. Author: Cryptoasset Inheritance Planning book

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