Archive for the ‘Seniors’ Category

Give Mom what she really wants! Less paper clutter, more family time

Posted by

Mother_and_Daughter

This year, why not give your Mom what she really wants for Mother’s day.

More time to spend with her family, and less time to feel overwhelmed by her clutter, especially all that paper!

Here’s what you can do:  Suggest to Mom that you’d like to give her the gift of organization so she can feel more in control of her life and less stressed by all the paper clutter in her home.  You can help her yourself or better yet, hire a Certified Professional Organizer, who can quickly identify and sort all it all.  Once sorted, you can purge what’s no longer needed and contain what’s left either in labeled paper or digital files according to your mother’s preference and ability.

If you decide to do this yourself, make it a time not just to plow through those piles but also to share the memories with Mom.  Whatever you do though, don’t chastise Mom for keeping everything. No one was born with an “organizing gene” and the rules around paper have changed considerably since she was young, especially now that we are in a digital age though she may not be.

Most of what we keep, as much as 80% according to several studies, we never refer to again. Old bills, especially utility bills, make up the bulk of what I’ve seen the most of when helping my clients tame their paper piles.

I’ve seen floors literally buckle under the weight of boxes upon boxes of retained paper.

Even if all the paper in these boxes were accidentally tossed the chances of needing anything in them is statistically small. That being said, there is always a chance that those boxes contain confidential information so to protect your Mom’s identity I recommend you arrange to have it picked up by a residential document destruction company in your area.

Shredding these papers protects your Mom from others using her confidential information fraudulently.  If you chose to to this yourself, be especially mindful when you are tossing documents containing the following:

  • Social Security Number (in full)
  • Credit Card Account Number (in full)
  • Driver’s License Number (in full)
  • Medical Record Number (in full)
  • Account Number (in full)

In recent years the practice of including full account numbers has changed to protect individual identities but that has not always been the case. If your Mom has kept documents for more than 10-15 years, it’s possible some contain this type of confidential information.  Note however, documents that contain just a name, address and phone number are part of public record (remember old phone books?) and nothing can be done with this information alone so it’s safe to recycle these.

To get started, you will need a cardboard or plastic box labeled “SHRED”  to contain documents for destruction. You will also need a supply of paper bags or boxes labeled “RECYCLE”  and a smaller receptacle for “TRASH” such as the plastic that contains magazines and other junk mail.  Lastly, you will also need a work surface. If table space is scarce, use a folding table or large ironing board if available. Use a “sharpie” for labeling if needed.

These record retention and destruction recommendations are general best practices and not intended to replace the advice for you or your Mother’s specific situation, especially if she is ill, disabled, or in dispute with the IRS.  In these cases, consult with your tax preparer or another legal professional.

SORT

To get you started, start with whatever loose paper is most visible on surfaces, tables, desks or the floor. Open all mail and sort all items, including individual files and documents into the following 5 categories:

  1. Financial
  2. Medical
  3. Legal
  4. Home
  5. Personal

Financial includes: old and unpaid bills, store receipts paid in cash (if you are tracking your mother’s cash expenditures), bank statements, investment statements, tax returns, pension documents, social security information

Medical includes: Medical history, prescription records, explanations of benefits, prescription receipts,  and health insurance and/or Medicare documents specific to your Mom

Legal includes: Life insurance policies, veteran records, estate planning documents such as wills, trusts, power of attorney, health proxies or living wills, birth, adoption, marriage and death certificates

Home includes: Property insurance records such as home and auto, mortgage records including records of satisfied mortgages, appliance warrenties

Personal includes: Educational and work history, cards, letters and other correspondence, general reference such as “project” or “idea” files.  Binders that contain old training material, photographs,  professional or published papers written or contributed to by your Mom and anything of a personal nature that could not be replaced if lost.

PURGE

As you do this you can toss the following: empty mailing envelopes, obvious junk mail, expired coupons, store receipts paid by by credit or debit card and old user guides or warranty information for products or appliances no longer owned.  Keeping a focus on sorting will make purging later go that much faster.

Next purge (shred or recycle) the following from each of the five piles:

  • Financial: Old paid bills, store receipts for low value items, checks from closed accounts, investment statements except current month or quarter, tax returns from more than seven years ago. ATM receipts – unless tracking cash withdrawals
  • Medical: Outdated medical information, explanations of benefits, receipts for prescriptions paid by insurance, any documents not specific to your Mom such as marketing and general information
  • Legal: Cancelled life insurance policies, cancelled or expired contracts
  • Home: Cancelled insurance policies, repair records for cars no longer owned, mortgage bills already paid, any reference material not referred to in over a year or that can easily be found elsewhere or online. Anything printed off the internet.
  • Personal: Any personal reference material that has not been referred to in over a year (such as old recipes, remodel ideas, maps, wellness or hobby information, old magazines, binders containing old training material, greeting cards signed by unknown people, out-dated resumes, any document that can be easily found online.  Children’s school records and drawings if not displayed. Take a digital photo instead. Personal papers such as these will most likely take up the bulk of your Mom’s paper files.

KEEP and CONTAIN (either file or scan)  

Use this as a guide for setting up your paper or or electronic file system

FINANCIAL RECORDS

  • Tax returns and current tax information including receipts used for deductions for future tax returns
  • Bank statements and investment statements by account name and last 4 digits of account number – most recent three months unless your Mom will be applying for assistance under Medicaid or MediCal. In this case she will need the last 5 years of bank statements.
  • Credit card statements by account name and last 4 digits of account number – last three months only
  • Life insurance by policy name – keep while active
  • Social security account information
  • Pension documents

MEDICAL RECORDS

  • Records of health history, prescriptions taken and major conditions
  • Lists of physicians, specialists and other providers seen or consulted with
  • Insurance/Medicare/MediCaid account information

LEGAL RECORDS

  • Estate planning documents (birth, adoption, marriage, death certificates)
  • Heath proxies, power of attorney documents
  • Veteran records
  • Records of satisfied contracts or any current contracts

HOME RECORDS

  • Mortgage documents for current home
  • Records of recently paid household bills (less than one year) – if possible, set up auto pay and have bills issued paperlessly via email.
  • Records of property insurance (home, auto, other assets)
  • Warranties, appraisals or certificates for high value items (value greater than $100 per pound)

PERSONAL RECORDS

  • School transcripts/Official records such as diplomas
  • Records of work history (most current)
  • Cards, letters and other correspondence if it has historical or resale value (emotional value is optional)
  • Professional, written or published work if it has historic importance to the general public or a particular industry for archiving purposes
  • Anything that could not be easily replaced with strong emotional value

TO-DO or ACTION Paper

Finally, identify any documents that require some kind of ACTION or to-dos that your mother feels are worth her time such as bills to be paid, forms to be filled out, greeting cards to be mailed, or items she wants to discuss with another professional. Put these items in a separate mail sorter on her desk or workspace, keeping the bills separate from everything else. Don’t put anything here that needs to be filed or contained. Any retained magazines should be placed where your Mom likes to read them.  Once she is done with these items they can be filed, contained or tossed as needed.

After you spend a few hours helping her, then take her out for lunch or dinner so you can both relax and enjoy some quality time together, knowing that you’ve made some room in your lives for what matters most.

 

 

When your new roommate is Mom or Dad

Posted by

Big Happy Family. Parents with Children. Father, mother, children, grandpa, grandma

It’s common to see adult children moving back in to their parents’ home after college to save money.  But here’s a surprising fact:

14% of adults living in someone else’s household are actually the homeowner’s parents – and the trend seems to be on the rise, up from 7% in 1995, according to a Pew Research Study.

It’s one thing for a 22 year old that had roommates in college to move back in with their parents. It’s another thing to be 50, 60 or 70 years old and find yourself living with your adult children in their house, possibly with your grandchildren.

Aside from all the psychological and emotional aspects involved in sharing a home with relatives, there are also the practical and organizational considerations:

  • Will there be room for my belongings and what’s important to me?
  • Do I have a say in how things are organized in common areas such as the kitchen, family room or garage?
  • Will I have to let go of things I love?
  • Will I have storage areas I can call my own?
  • What rooms or storage areas will I need to share?
  • Will I feel safe?

Whether you are moving back in with your parents or your parents are moving in with you, planning for these questions ahead of time will make for a smoother transition and less stress when it comes time to blend the family. Here are a few strategies I recommend you do before you start packing.

  1. Make it safe. Clear all exit routes such as floors, stairs and hallways of possible trip hazards.
  2. Make it accessible. Provide sufficient space and clear access to bathrooms, kitchen and other common areas
  3. Make it private. Dedicate a room large enough for a bed (or beds) with at least one closet or storage armoire for clothing and personal items and natural light from an outside window. If this room was previously used for storage of other household items, find other homes for them or consider donating them if you haven’t used these items yourself for years.
  4. Make it welcoming. Create shared storage areas by making room inside your kitchen cabinets, pantry, utility closet, linen closet and garage. This may be the perfect time to do a little downsizing yourself!
  5. Set clear boundaries. If you know you don’t have room for everything your relatives own (and you probably wont) explain that you only have limited space. Help them decide what they really love, want and use. Let them know they have options but they probably won’t be able to keep everything!
  6. Make it possible. Offer to help with the actual physical move or downsizing if you can or consult with a professional organizer who specializes in residential move planning if you need ideas, hands-on help or guidance.

 

 

 

 

 

 

 

 

 

5 Great Reasons to Downsize Your Home

Posted by

Moving is expensive (and stressful)

The American Moving and Storage Association states that the average cost of an interstate household move is about $4,300 (distance of 1,225 miles) and the average cost of an intrastate move is about $2,300 (4 movers at $200 per hour). Both average moving costs are for 7,400 pounds. If you live in places like the San Francisco Bay Area, Los Angeles, New York or Washington DC, the costs are even higher. Since movers typically charge based on volume or weight, it follows that the less you have the less it will cost.  This is just one great reason to downsize your home.  Here are four more great reasons to downsize your home, moving or not:

  1. You can create new memories. If you are holding onto stuff because you are afraid you won’t remember it, it may be time to curate what you own so you can make room for new experiences. Try photographing the things you want to remember but can’t or don’t want to take with you. Have them made into something special such as a memory quilt or photo album. If it’s your work you want to remember, perhaps others want to remember it too. Look into making a legacy donation or creating a special archive in your name.
  2. You won’t burden your kids. The saddest and most difficult task most children face is the death of their parents. Imagine how much more painful it would be if, on top of their grief, they also have to face the daunting task of emptying your home. Make it easier for them and start downsizing now. Let them remember and know you from what was important to you, not from the stuff that wasn’t.
  3. You’ll realize what’s really important.  When you make room for what really matters in your life, you discover what’s important and what isn’t. Do you really need 50 plastic food storage containers? Do you really wear 500 pairs of shoes? Do you really use that collection of rusted auto parts? Someone can use them but you don’t have to.
  4. You get to start fresh. If relocating to a smaller home means downsizing the stuff in your existing home, try to imagine your life in your new home. Perhaps you’ll finally have the lifestyle you’ve been dreaming about. Gain the peace of mind that comes from knowing you’ve made great choices about your health and wellbeing. Instead of being burdened by your stuff, you’re having fun enjoying your life!

 

What to do with your stuff when later becomes now

Posted by

When it comes to the stuff in our homes, I believe a  continuum exists between two points  –  keep everything and save nothing. Most people fall somewhere in between.  Yes, there are extremes at both ends – those with a tendency to acquire an excessive amount and those with an equally extreme tendency to rid themselves of anything of value, sentimental or otherwise. But for most people, myself included, we all have sentimental attachments.

The other day I was wandering through my home and thinking about what I absolutely had to keep if I ever had to make the choice. As a professional organizer, it’s an exercise I practice regularly as a way to empathize with my clients.

It turned out the things I really felt strongly about were the items I have the most sentimental attachment to.  None of it was furniture, thankfully.  Mostly letters from my parents and close friends that could never be replaced. Photographs (the paper kind) from my childhood and “keepsakes” that I don’t need but that don’t take up much space either. I also have some written work that would be difficult to replace unless I took the time to scan it and for me, that’s not worth my time.

My husband has a box of important stuff related to his daughter, my step-daughter. And of course, I have a small  “treasure box” of memorabilia from our life together.

The only time I know I would go through this stuff is if I were moving or downsizing. Otherwise it stays hidden, for the most part.   But what does it mean not to have these things? Would it feel like my life had ended? What happens when you keep things with the intention of looking at them later and then find later is now?

Even if it comes unexpectedly, now should be when you get to re-read the letters, sort through the photos, recall the memories and maybe even tell the stories.  But now is often competing with time itself. The house has to be sold. The move has to happen. The remodel is about to start.  Sometimes, sadly, the owner of these things is no longer around for the task.

As an organizer, this is the most poignant part of my work; When I realize the meaning of that photo, award or stuffed animal toy only exists because of the person who imparted that meaning.  When it belongs to someone else, you can impart your own meaning, but then you are left with the same dilemma: Keep it or let it go?

I find it’s useful to consider the truth of these questions when later suddenly becomes now.

  • Would my life really be over if I let these things go or would I just feel that way?
  • Is everything meaningful or could I pick out just the things that are most important to me?
  • By keeping everything, am I placing a significant burden on my family to deal with later?
  • Am I keeping everything as an excuse to avoid creating new memories?
  • If this or that item should disappear would I miss it or attempt to replace it if I could?
  • Would taking a picture of it allow me to let it go if I had to?
  • Is there anyone who I know for certain who would want it (be careful with this one since you don’t want to obligate someone to take something they really don’t want).
  • Do I really love it or am I keeping it to satisfy someone else’s (perceived) need – such as when you keep it not because you like it but because it was a gift from someone you care about.

Life is like walking through a wonderful art museum. You get to admire and spend a little time with the art work that resonates the most with you. You may even be able to take pictures or buy postcards. But at the end of the day, you don’t get to keep what you saw. You do however get to remember how you felt.

The Senior Services Network

Posted by

I recently joined a group of skilled service professionals who serve Bay Area seniors and their families.  We vetted each others businesses and through this collaboration, we provide a wide range of specialized services, catering to seniors,

Download the Bay Area Senior Services Network flyer by clicking on the link below

SENIOR SERVICES NETWORK (PDF)