Tip 22 “Home” Section
My last cell phone bill was more than $220 for one month of basic services. Crazy! After reading Claudette’s tip suggesting we contact our carrier every six months to see what promotions they’re running, I decided to make the call. Sure enough, they had a special promotion. Now my cell bill is just $86 per month. That’s a savings of more than $1,500 per year, and I love it!
White Plains, NY
Tip 14 “Health” Section
This booklet has real life tips, and I’ve got proof. I came home from getting a prescription that costs $60/month for the co-pay, and I wasn’t happy. So, I decided to try what the booklet said –– I searched online for savings from the pharmaceutical company. I was so excited when I found an offer that brought the price to just $10 per month. Then, I received a savings card from the manufacturer, took it to the pharmacy and they refunded the $60 I paid the first month. Thank you for showing me how to do this, Claudette Paäge!
Silver Spring. MD
Tip #1, “Assets” Section
We always pride ourselves on being technically-savvy around here. But when I read the tip about keeping a current list of assets, I was shocked to realize we hadn’t put even one digital asset on our list. What an eye opener! Now, we’ve pulled together information for all of our online financial accounts as well as websites where we store valuable images and sell products. What
a relief to know we have a record of these assets now, and won’t struggle to find them if something happens.
Nancy J. Wagner, Photographer
CHAPTER 1: INTRODUCTION
The next best thing to knowing something is knowing where to find it.
— DR. SAMUEL JOHNSON
If I could tell you one thing, it would be this –– don’t wait until an emergency or unexpected event strikes to begin looking for important documents.
As an organizational consultant, some of the more common challenges I encounter are:
1. Families scrambling to locate important documents, such as medical records, wills or cemetery deeds, in an emergency when time is better spent with their loved ones.
2. Individuals and those important to them struggle needlessly, due to poor financial planning or inadequate advice.
3. Older adults who live independently become so overwhelmed with routine daily activities that they cannot make meaningful decisions concerning financial management and estate planning.
CHAPTER 2: HOME
Whatever you want, do it now. There are only so many tomorrows.
— MICHAEL LANDON
Organize all of your important household documents and files so you and your loved ones can easily find all necessary information. That simplifies life for both you and them.
1. Make a comprehensive contact list of personal information for each family member that includes: name, address, social security number, date of birth, mother’s maiden name, citizenship and marital status.
3. Take inventory of any offsite storage facility you own or rent. The name, address, phone number, storage number of each location and how it can be accessed are all vital to communicate to those who need to know.
8. List all of the real estate you own and where the deeds, leases, proprietary lease, stock certificate, and other titled information are stored.
CHAPTER 3: HEALTH
When you don’t have any money, the problem is food. When you have money, it’s sex. When you have both, it’s health.
— J. P. DONLEAVY
Keeping all health information for you and your family in one location and easily accessible is not only prudent, but can be a lifesaver in the case of an emergency. This is especially true for older adults and individuals with acute illnesses and disabilities. You might be saying to yourself that you are healthy and have no need to tackle this task now. But, there is no better time than right now to make future health decisions.
2. List your doctors and their specialties, pharmacy, health insurer and local hospital, and include addresses and telephone numbers for each. Keeping this information in one place is crucial, especially in an emergency.
8. Ensure that close family and friends know what medications you take and any medical conditions you may have. Merely assuming they know can be disastrous. Remove the prescription label that includes your personal information before you discard the empty bottle.
CHAPTER 4: ASSETS
It is better to look ahead and prepare than to look back and regret.
— JACKIE JOYNER-KERSEE
Protect your loved ones with careful and organized recordkeeping in addition to financial and estate planning. This helps ensure that you minimize taxes and asset loss.
1. Maintain a current list of all your assets and liabilities (also known as a Net Worth Statement)
8. Plan to lose your wallet! Make a copy of the contents in your wallet; credit and ATM/debit cards, driver’s license along with phone number for cancellations.
Make arrangements to deposit your income, including Social Security benefits, dividends and retirement checks, directly into your bank account. It’s free, easy to set up, secure and eliminates lost or stolen checks.
CHAPTER 5: UNCLE SAM
In this world nothing can be said to be certain, except death and taxes.
— BENJAMIN FRANKLIN
Get organized! Whether a professional prepares your tax return, or you prepare it yourself, it is important to have all of the pertinent documents available to prepare a complete and accurate return. Maintain organized tax files throughout the year, and you’ll alleviate tax time jitters, save significant time and possibly, keep more of your
2. Create one or more files to hold all tax-related documents throughout the year.
4. Retain tax returns for three to seven years.
6. Keep complete records along with supporting documents for all home improvements. This is still an excellent tax deduction when selling your home.
CHAPTER 6: TECHNOLOGY
“What a computer is to me is the most remarkable tool that we have ever come up with. It’s the equivalent of a bicycle for our minds.”
— STEVE JOBS
Going digital and paperless is liberating and scary all at the same time. However, you can organize and store important documents, such as financial records, statements, receipts, medical records, insurance policies, taxes, photos and a host of other vital papers cluttering your space. A scanner allows you to keep your files in the cloud so you can access them from anywhere or from any computer. But note that if you store files on a local external hard drive, this option is not available.
5. Generate and store complex and unique passwords for each of your online accounts by using password management software.
7. Secure your online accounts by using a two-step verification process for additional protection. Many financial institutions and online services offer this added security to help keep the bad guys out of your accounts.
Search your name on a major search engine to see what shows up. This can alert you to websites or people who are using your name or contact information in a negative or fraudulent manner.
CHAPTER 7: TRAVEL
Whenever I prepare for a journey, I prepare as though for death. Should I never return, all is in order.
— KATHERINE MANSFIELD
Preparing to be away from your home or office can sometimes be stressful. Organize the details of your trip and alleviate your worry!
2. Complete the Personal Data and Emergency Contact Information page in your passport. Overlooking these simple steps can be unnecessarily problematic.
CHAPTER 8: ESTATE PLANNING
Death never takes the wise man by surprise; he is always ready to go.
— JEAN DE LA FONTAINE
The best way to ensure you and your family will always enjoy your current lifestyle is to make personal and financial arrangements before life-changing circumstances occur. This is the only way to be sure your wishes will be carried out in the event of disability or death.
1. Make a will or revocable living trust now, while you are able to make timely and competent decisions. Your original will must be signed and witnessed according to the laws of your state..
4. Prepare a living will and health care proxy.
7. Update your beneficiary designations after a life-changing event, such as marriage, divorce, death and adoption.
CHAPTER 9: RESOURCES
Allstate Digital Locker –
Asset Panda –
Know Your Stuff –
State Farm HomeIndex –
My Data Manager App –
Red Cross -
AARP – Operation Emergency –
Alert 1 –
Life Alert –
Philips Lifeline –
Mint – All Your Finances In One Place –
Quicken – See Your Money in One Place –
Annual Free Credit Report
Unclaimed Property, Money and Assets
Social Security Administration
CHAPTER 10: BUY THE FULL BOOK!
If you liked this little booklet, you’re going to love ! It’s jam-packed with valuable tips to help you plan for your future and face the inevitable time when you or someone you love leaves this world or faces a life-changing event.
No one likes to think about it, but dealing with unexpected events is simply a part of life. Have you noticed how some people seem to handle life’s challenges better than others? Let me tell you a little secret… these people know the value of organizing their important documents before an unexpected event occurs.
Although it may take some time, it is not difficult to gather and organize your important information. That’s why it’s so important to start right now! The trick is to break down the process into easily-managed fact-gathering sessions where your whole family can get involved.
CLAUDETTE E. PAÄGE
Claudette E. Paäge is the founder and president of Paäge et Cie, Business and Personal Management Services. The Scarsdale, New York-based company helps individuals and businesses worldwide achieve and maintain balance in their lives by providing hands-on organization and management services.
Claudette works as a financial confidant to clients who let her into their most intimate space where she brings order to all facets of their lives. Clients range from Generation Y through Baby Boomers and the Silent Generation in NY, NJ and CT.
Paäge et Cie focuses on individuals, children with aging parents, families, busy professionals and retirees. Many of their clients are now 2nd and 3rd generation family members who trust and rely on the same eye for detail and customized services. The company also helps older adults who live at home or in an assisted living facility meet the challenges of everyday living with dignity and grace.
Claudette’s high level of energy, vision, and passion keeps her on the cutting edge of the industry. She has been featured in national publications, including The New York Times, The Wall Street Journal,[_ ]and[ Westchester Business Journal_].
No Time Like Now!
A Guide to Organizing Your Life’s
Traditional and Digital Information
it’s better to look ahead and prepare than to look back and regret.”
-JaCkie JoYner Kersee
An emergency or unexpected event is not the time to begin looking for important documents. This booklet helps simplify organization of your essential documents so they’re right at your fingertips when you need them in a hurry.
· Families scrambling to locate important documents such as medical records and wills…
· Individuals and those important to them struggle needlessly due to poor financial planning…
· Older adults who live independently become so overwhelmed with routine daily activities…
Contact us today to see how you can benefit from our services.
Email: [email protected]
Do you worry about your family scrambling to locate important documents in an emergency or life-changing event? Does your family know how to login to your online accounts? Would you like true peace of mind, knowing your estate and finances are in order? Get organized now with No Time Like Now, A Guide to Organizing Your Life’s Traditional and Digital Information, a blueprint for getting your affairs in order with estate and financial planning. The key is to make personal and financial arrangements before a crisis, or life-changing event occurs. This helpful guide is geared for all ages –– from Millennials to Baby Boomers and older adults. You’ll find cutting-edge tips and useful document checklists. Plus, you get loads of valuable resources, including links to mobile apps, websites and online tools to help you successfully organize your affairs and prepare for life’s unexpected events. No Time Like Now includes critical information and valuable tips on: • Locating, reviewing, organizing and safeguarding household documents and inventory • Keeping digital and personal data safe from scammers • Prepping, managing and sharing digital information • Gathering health data for instant access in an emergency • Reducing tax time jitters by easily collecting and organizing paperwork throughout the year • Organizing records to minimize taxes, reduce asset loss and streamline money management tasks • Preparing for worry-free travel The comprehensive section on estate planning includes tips for: • preparing and/or updating your Advanced Directive Living will, durable power of attorney and Health Care Proxy • appointing someone you trust and who is competent to handle your final wishes when you're gone • reviewing beneficiary designation on documents such as life insurance policies, IRAs, bank accounts and pension • choosing a guardian for minor children • writing and signing a Letter of Instructions for your loved ones • creating a list of digital assets in your will, including anything you create online or on your computer. An entire section is devoted to using the latest technology to stay organized, keep safe on the web and guard valuable data,: including tips for • going digital and paperless • securely backing up data • using encrypted passwords • storing valuable data in the cloud. • utilizing 2-step authentication for additional protection online