The HAINES System™️ – Financial Documents

Posted on May 3, 2017 by Jeremy LeRay

The fourth section of The HAINES System™️ is for Financial Documents. These include stocks, investments, income, bank accounts as well as contact information for your accountant, broker and other financial professionals. Having all of this organized helps tremendously when it comes time for your taxes to be done, but is also good to have in order the rest of the year.

Though many of these documents may not be retained online, you still need to have access information and contact names and numbers easily accessible. The more of this type of preparation that is done, the easier it will be to keep it maintained as you go along – short-term loss for long-term gain!

The final section is for Medical Documents. Typically this is an issue near April as April 16 is National Healthcare Decisions Day. This is a time to reflect on your advance directives – do you have them in place, are they current (legal requirements and named advocates), do your loved ones know where you keep them? For more on this, watch for next month’s post.

The HAINES System™️ – Legal Documents

Posted on April 6, 2017 by Tanya

No one really likes to organize their paperwork, much less consider legal documents. But, once you have a handle on what you have, what you still need and where to find the papers, it will provide you with great relief.

When we think of legal documents, consider these: trusts, will, powers of attorney, funeral plans…Though not the easiest matters to discuss or to consider, it is essential you have these in place before you need them. Use The HAINES System™️ as your guide for getting these papers gathered, organized and maintained.

Next are Financial Documents. These can also be a bit overwhelming to consider, especially if your finances are not in great shape. However, consider the peace of mind knowing that you have all of your papers together, filed and in a place where others can access them on your behalf. This will include account information, how you pay your bills, who your contacts are and so on.

 

The HAINES System™️ – Household Documents

Posted on March 3, 2017 by Tanya

This second section is for Household Documents. It includes all the paperwork needed for your home – insurance policies, vehicle information, utilities, memberships and so forth. As with the first section, there is a comprehensive form to use listing all the possible documents you may have or need to have access to. There is also space to record other vital details you would like noted. This could be contact information for your insurance agent or property details (primary home, secondary home, vacation home, rentals…).

If you think about it, do you know right off where all of these documents are? Do you have the most current versions? Is your agent still the same person with the same contact information or have they left the business? Do you have an inventory of your household goods, including all of your technology? This worksheet will help ensure you can answer these questions as you need.

The next section will be for Legal Documents.

The HAINES System – Personal Documents

Posted on February 3, 2017 by Tanya

Could your family find your important documents if you were unable to communicate? The greatest gift you can leave them is peace of mind.

Do you have your military papers, insurance information or social security cards easily accessible? Take the time to get your documents gathered, organized and then maintained – for your peace of mind and that of your family’s. This first section of the five included (Personal, Household, Legal, Financial and Medical) covers the items we all need – education papers, passport information, military documents and so forth.

Every one of the five sections has a comprehensive list of documents for that topic. The worksheets can be used to track your collection as well as to provide contact information or to make other notes you need. 

The easy way to do this is to utilize The HAINES System, The Blueprint for Organizing Your Important Documents. For us, HAINES stands for Having All Important Notes Executed and Secured. The goal is to help guide you through the process of accomplishing this needed task. Since it is one most do not care to address, we have taken the difficulty out of it. We have taken the research out of it. We have taken organizing the structure out of it. All you need to do is to follow the book.

Next month, the post will be about the Household documents.

NHDD – 3 months away

Posted on January 16, 2017 by Jeremy LeRay

nhdd-logo-square

National Healthcare Decisions Day (NHDD) aims to help people across the U.S. understand the value of advance healthcare planning.

Do you have your living will and powers of attorney completed? Do your loved ones know where they are located? What about your other important documents? The greatest gift you can leave your family is your having planned for when you can no longer communicate.

If you don’t know where to begin, look at The HAINES System™️. This is the blueprint for organizing all of your important papers. Having All Important Notes Executed and Secured. With this system, we use five major categories to help you get organized: Personal, Household, Financial, Legal and Medical.

The important thing is that you talk with your loved ones and that you organize your papers now when you are well and ready. Then, you can relax knowing you understand the value of advance healthcare planning!

 

 

 

How to (finally) organize your life!

Posted on January 5, 2017 by Tanya

After years in the works, I have officially launched The HAINES System™️. This binder is THE blueprint for organizing your personal papers and will guide you through the process of gathering, organizing and maintaining your important documents.

It is divided into five sections to make organizing easy:

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

 

What this binder does is what we typically cannot (or will not) do on our own. It guides you through the process of gathering, organizing and maintaining your personal documents. We all have lots of paperwork but few have them organized. Could you find what you need in an emergency? Would your spouse or other loved ones be able to gain access to your bills or advance directives if you were unable to tell them how?

I am honoring the launch of The HAINES System™️ by sharing some tips to organize your life and getting your papers organized. Begin the year with peace of mind! So, even if you don’t know where to start or tend to procrastinate, go through this process with me and together, we will get you on the right, organized path.

Always remember, if you do not want these tips that will help you get your life organized or you already have what you need in the way you and your loved ones need, feel free to unsubscribe below. I hope you will find value in these posts – for you or someone else.

 Here is your first tip when it comes to getting your papers organized. As you have papers come into your house, immediately pull out what can be recycled/trashed, what should be shredded and only keep what you actually need. For example, when you get your monthly mortgage statement (if you still receive it in the mail), take out the extra papers they include and put them in the recycle bin with the outer envelope and the envelope to mail your check back if you pay online. Then, you have only the statement itself to keep. File it in a file folder labeled for the year. Every paper you get through the year that you may need to retain for tax purposes, put in this file. I keep a file box where we process our mail. This way, it is very easy to do the steps above as the yearly tax file folder is in this box. It does not get put aside and likely lost or cluttering up other areas of your house.

 Next month, I will provide a breakdown of the first section in the binder, the Personal section. The papers we need to have accessible (social security card, passwords, insurance records, veterinarian details) and information we need to have written down for our loved ones (employer’s contact information and children’s schools in the event of an emergency), plus a lot more!

 

New year…new opportunities!

Posted on January 1, 2017 by Tanya

 

 

With a new year comes all the usual commitments to making and keep resolutions. We all do it. We make them and they last for a few weeks if we are lucky. So, what happens? Why are we unable to maintain them? It’s simple. They are not reasonable. Here are some ideas for creating resolutions that you will keep:

  • pick just one thing you want to do differently in 2017;
  • break it into at least four parts;
  • write it down – one part every few months; and,
  • enjoy meeting your goals!

Here is an example:

  • I want to improve my sales and earn more money in 2017;
  • 1 – CRM, 2 – mobile office, 3 – holiday card list and 4 – re-assess;
  • by April 1, I will utilize my CRM and schedule time every week to follow up with potential and current clients, by July 1, I will get my mobile office organized so I am always prepared to make a sale; by October 1, I will make my list for holiday cards and order them (great way to stay in touch and to re-connect with people); and by January 1, will re-assess my goals for 2017 and make similar goals for 2018.
  •  CELEBRATE!!

By breaking up your goal like this, it makes it manageable and more likely you will achieve what you set out to do. Try it this year. If you have traditionally made resolutions that you have not kept, why not try something different this year? Let me know how it goes for you. I know you can do it!

Happy 2017 to you!

The Flickering Light – Moving On

Posted on April 15, 2016 by Tanya

Again, in circumstances of the tragic loss of life and of young lives, this is a very different situation. When someone is old and sick and dies, it is not easy, but more acceptable to be OK with moving on. We all know the first year to 13 months is the most critical for the living. It is all about getting through the first birthday and holidays and seasons without the person. The second anniversaries are a little less painful, but will always retain some semblance of sadness and even regrets and frustrations.

For those caregivers who devoted their lives to the one who died, the suddenness of not having those same obligations and restrictions on their life will be shocking. One day things are as they progressively became and the next, none of that is needed any more. Care givers need the opportunity to decompress and reprogram their lives and energy and reclaim themselves. After months and years of watching and tending to someone who gradually dies before you, it would not be normal to not feel some sense of loss and abandonment and need for structure again.

A year after Fred died, we were still thinking we could hear him or caught ourselves getting ready to ask about him or to run check on him. This is fading over time and as my parents have now been able to go and do things freely they could not before, it has given them their lives back. Caring for him sure took a lot out of them, but now that he is gone, they have no regrets for doing the right thing in the right way. But, make no mistake about it they are relieved to no longer have that burden on them at their ages – and rightfully so.

For my mother-in-law, her resetting will take more time. She has cared for her husband for almost two decades and watched the slow decline and increased isolation that came with my father-in-law’s very steady yet gradual failing. Only when certain he was OK with me being there would she leave the house and take some time for herself. She, too, needs a life and deserves the joy of retirement and being a grandmother and still being a vibrant, engaging woman. This is what we will work to ensure she finds again and on her terms for her new life.

The Flickering Light – Healing When the Light Goes Out Part 2

Posted on April 13, 2016 by Tanya

Having a conversation about what happens in they dying process (when it is slow and not under sudden circumstances), or talking about end of life wishes is near about impossible to have with many people. We just don’t like to think about these things and we become uncomfortable with the topic. However, since we will all be there at some point, it is useless to not discuss. In fact, it is selfish to not be prepared. You only leave heart-wrenching decisions to those you love and they will forever second-guess their decisions.

When the light finally does flicker off and the person has died, it may be a shock and seem completely unreal. This is especially true for those who have witnessed a very long and slow dying process. It is amazing how suddenly you realize that you can no longer ask them a question or share a joke or sit with them. This is rather startling for quite a while.

The Flickering Light – Healing When the Light Goes Out

Posted on April 5, 2016 by Tanya

Though prepared, when death comes, it is still a surprise and unreal moment for the living. When someone is old and sick it is a bit more acceptable and a bit easier to process. When it is someone young and sudden and tragic, there is no acceptance and the process must be grueling for the families and friends. Grief is grief no matter how you measure it or what you call it. Pain is pain and we all experience it differently.

Much like “the long good-bye” common among Alzheimer’s patients, the dying process for some is a long good-bye as well. It may be more of a physical loss and physical strain than a mental or emotional loss. It is still a process and it is still difficult. Speaking only for the living and not the dying, seeing someone gradually fade away and waste away and revert back to infantile needs is nothing short of humbling.

So when the time comes and the person dies, it is a shock. After years of gradual failings and years of perking back up time and time again, it is unreal to realize that the time has finally come and the person is actually gone. They are dead. Never to talk or walk or love again as we once knew it and them.

We like to think we are good with this and intellectually we probably are. The reality is that most people are incredibly uncomfortable talking about death and dying and will use euphemisms to describe it if the topic is addressed at all. Many prefer to say things like: “he passed” or “she as crossed over” or “she is better now” or “he is finally at peace”. Though they may seem comforting and more kind, the cruel reality is none of this helps those who witnessed the slow decline and love the person through it.

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