DEAR ABBY: Allow me to draw your readers’ attention to the importance of keeping track of their online log-in information. We all know it’s smart to keep photocopies of our driver’s license, credit cards, etc. With as much time as some of us spend online, in addition to the billions of dollars we spend there as a nation, it’s wise to keep track of sundry log-in details as well.

I keep track of the various Web sites from which I make purchases – the Web site name, user name and my password – because various Web sites require different information.

Please suggest that your readers compile this information in a single document and print it out from time to time.

Keep a hard copy in a safe place with other important papers. That way, if anything should happen to them, family members will be able to access these Web sites, delete saved credit card information and close the accounts. – KATHERINE V., EAST LIVERPOOL, OHIO

DEAR KATHERINE V.: You have offered an excellent suggestion, and I’m pleased to pass it along. Readers, because none of us know when an emergency such as incapacitation (or death) should strike, this “insurance policy” could be invaluable to those left to handle our affairs. (This does not apply to those of you who plan to live forever.)

To secure log-in/password information, print out the document you have created and put it in a safe-deposit box or under lock and key in a file cabinet. If you keep the document in your computer, be sure to secure it with a strong password or use commercially available privacy software.

DEAR ABBY: At what age do you discontinue using the term “Master” before a young boy’s name when addressing an envelope? I have searched books without success. I hope you can help. – MS. D. IN PORT CHARLOTTE, FLA.

DEAR MS. D.: Good question. According to my 16th Edition of “Emily Post’s Etiquette” by Peggy Post: “Boys may be addressed as ‘Master’ on envelopes and formal correspondence until they are about 7 years old, and ‘Mr.’ when they become 18. In between, no title is used.”

DEAR ABBY: Most people complain about their jobs because they feel they don’t make enough money. My problem is the opposite. I love my job, but I think I make too much money.

My job is mostly simple work that could be done by anybody – yet I earn almost as much as my husband, who is a supervisor in a technical field. My boss always gives me excellent reviews and doesn’t seem concerned.

It’s nice to have the kind of job that isn’t stressful. But I feel guilty that a lot of people with more difficult jobs make less than I do. Should I tell my boss to give me a pay cut, or take the money and run? – CUT OR RUN IN WISCONSIN

DEAR CUT OR RUN: I won’t reveal your exact location because many people would kill to have your job.

The answer to your question is you should neither ask for a pay cut nor take the money and run. Feeling as you do, you should donate every cent you feel you are overpaid to a charity (or to a therapist who can help you overcome your sense of guilt).

Dear Abby is written by Abigail Van Buren, also known as Jeanne Phillips, and was founded by her mother, Pauline Phillips. Write Dear Abby at www.DearAbby.com or P.O. Box 69440, Los Angeles, CA 90069.

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