​I copied and pasted this newsletter from a company that offers Daily Money Management services in New York and California: Eddy & Schein.

This article is excellent at explaining common mistakes made by Seniors and the solutions to fix them. They did leave out an important mistake: Make sure that all of your Beneficiaries are updated. If you are divorced are you leaving money to an Ex Spouse? I have heard a couple of horror stories. It is a good idea to revisit and update Vital Records.


10 Mistakes to Avoid: Make the Senior Years Easier  
Here are 10 mistakes that can be avoided in caring for your parents or preparing  for your own senior years. Many do not take a lot of time or work, and can save  your family time, stress and money.  
1. Not having your will, power of attorney, health care proxy, living will (or  updated versions) and funeral arrangements in place 
2. Not planning for living a long time even if will and estate planning have been  completed (where will you live, how will you pay for long term health care and  still have money for your living expenses?)  
3. Not balancing your checkbook or reviewing credit card charges  
4. Moving your mom to an assisted living facility where she may be  
uncomfortable and disoriented because you did not know she could live with  help in her own apartment  
5. Paying medical bills that should have been covered by insurance, or not paying  medical bills that were not covered by insurance  
6. Letting your picture ID expire  
7. Not creating a budget to fit your lower level of fixed retirement income after  years of living on a higher salaried income  
8. Doing a fabulous job of investing, but keeping it all in certificate form and  handling a multitude of dividend checks  
9. Not filing taxes for several years due to illness or feeling overwhelmed by the  paperwork  
10. High net worth individuals making large purchases through accounts without  transferring in sufficient funds to cover the purchases  
Turn the page for solutions 
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1. Not having a will, power of attorney, health care proxy, living will (or updated versions) and  funeral arrangements in place 
Solution: Update your documents  
While the will, power of attorney, health care proxy and living will do not have expiration dates,  you want to make sure that they will be effective when needed. If you do not have these  documents, or you want to update them, set an appointment with an attorney to discuss your  estate plans and to get your documents drafted.  
In preparing for your meeting, here is a list of what you should consider:  
Will:  
• List your assets, their values and how title is held.  
• Think through to whom you would like to leave your assets.  
• Do any of your beneficiaries have special needs?  
• Do you want a trust for a beneficiary? Who would be the trustee(s)?  
• Do you have under-age children? Who would be the guardian?  
• Who would you like to be the executor of your estate? Make sure your executor still has  the capacity to serve for you.  
• Always choose someone as a back up to your primary executor, trustee and guardian.  • Prepare a family tree. Are your closest next of kin first cousins or are they more distant cousins?  
Power of Attorney:  
• Who would you choose to have responsibility for your finances if you become incapable of  handling them yourself?  
• Who would you choose as a back up person? Make sure at least one lives nearby.  • Ask them if they would be willing to take on this responsibility.  
• You may name more than one person to serve together if you want to create a check and  balance. 
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Health Care Proxy and HIPAA forms:  
• Who would you choose to make health decisions for you if you are incapable of making  them?  
• Who would you choose to be back up?  
• Do they live within close proximity so they can be available to help out if and when needed?  If they live far away are they readily accessible by telephone?  
• Will this person be able to follow your wishes to end your life, even if their wishes differ?  Make sure to discuss your thoughts and wishes with them and ask them if they can carry  out this responsibility. If they cannot, choose someone else.  
• You can only name one agent to serve at a time. However, you can name successor agents  to act if the primary agent is unable to be reached. These people would be listed on the  health care proxy form and the separate HIPAA or medical release form which gives your  health care agent the authority to speak with insurance companies, hospitals and doctors.  
The Living Will:  
A living will describes the specific measures you would want your health care agent to take in  the event you were unable to convey your own instructions regarding your medical care. The  living will can be as simple or as detailed as you wish. Think about what measures you would  want used if there was no reasonable hope of your recovery to any level of cognitive existence.  
Funeral Plans:  
Planning for a funeral does not have to wait until after death. You can make arrangements now  to avoid leaving the burden and responsibility to your family and friends. Whether to protect  your religious preferences or to make sure money is set aside, you can pre-plan your funeral.  This is done by contacting a funeral home and, where appropriate, your place of worship, and  planning your funeral. The funeral home will then give you a bill, based upon current costs, and  ask you to pay a portion of it. The money is held in an escrow account and will earn interest  until your death. After death the funeral plans can be revised and the costs are updated to the  prices then in effect. Any balance would be due at that time. If you are Medicaid eligible, the  money that is paid to the funeral home is exempt and not counted as a resource for Medicaid  eligibility. This allows you to ensure that your funeral is properly paid and will not become a  financial burden for your family. 
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In addition, some states provide for who may make funeral arrangements. The hierarchy is  usually akin to inheritance rights with spouse and children having priority before parents,  siblings and more distant relations. In some states an individual can designate whom they want  to make their funeral arrangements and override the statutory hierarchy. If you are not  emotionally close with your family or do not have closely related relatives, you should consider  prearrangements for your funeral and consult with an attorney about designating someone to  make sure those arrangements are carried out. [Written by Marcie G. Roth, elder law attorney]  
2. Not planning for living a long time even if will and estate planning have been completed  (where will you live; how will you pay for long term health care and still have money for your  living expenses?)  
Solution: Buy long term care insurance or see an elder law attorney  
An important reminder: Medicare and supplemental (secondary) insurance DO NOT cover long  term custodial care. They cover routine care and short term hospitalization and rehab. So....  
• If you are healthy enough to be eligible for long term care insurance, buy it. If you have  diagnosed health problems, it is still worth exploring the possibility of buying long term care  insurance, because you may be insurable. You won’t know unless you ask.  
• If you are not eligible for long term care insurance and you do not have the funds to cover  long term health care expenses, explore becoming eligible for Medicaid. Depending on the  state in which you live, it can be an excellent option.  
  
• See an elder law attorney, who specializes in planning for long term custodial care and  assessing eligibility for Medicaid benefits. Plan EARLY to learn what is needed to be eligible  for Medicaid benefits should a major illness strike. By preparing now, you will be able to  live at home with home health aides, or if necessary, go to a nursing home. Planning while  you are healthy is the key.  
• Before seeing your attorney, put together a list of your assets and income to share with the  attorney. 
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3. Not balancing your checkbook or reviewing credit card charges  
Solution: Accept help from a family member, friend or a hired daily money manager/financial  organizer  
What was once easy to do can get more difficult as eye sight fails, memory worsens, or  handwriting becomes hard to read. Being willing to accept help from a family member, friend  or a hired daily money manager/financial organizer will ensure that bills get paid, there are  sufficient funds in the checking account and that improper credit card charges are challenged.  Getting help will increase the chances of being able to stay in one’s own home.  
4. Moving your mom to an assisted living facility where she may be uncomfortable and  disoriented because you did not know she could live with help in her own apartment 
Solution: Look into home health care options  
Suddenly there is a phone call; Mom has fallen and broken a hip and has been taken to the  hospital. Or she has had a stroke but with therapy should be able to walk with a walker and  talk again.  
The immediate reaction is that once Mom is better she has to be moved to an assisted living  facility or a nursing home. This is not necessarily the best decision. After all, she may be  happiest staying at home in the neighborhood where she has lived for so many years, using the  same hairdresser, buying from the same bagel shop and green grocer.  
Yes, changes will have to be made in the apartment and help may need to be hired, but the  choice to stay at home should be given serious thought. There are geriatric care managers who  can help you assess the safety issues of the home environment, arrange for improvements and  help you and your mom find the best home health aides.  
And the good news is that even if she does not have enough money to hire home health aides,  Medicaid benefits may be available. Speak with an elder law attorney about eligibility for your  state’s community Medicaid programs. 
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5. Paying medical bills that should have been covered by insurance, or not paying medical  bills that were not covered by insurance.  
Solution: Ask for help or hire a daily money manager  
Let’s face it: The paper work around illness is huge. After a hospitalization, the bills start  coming in from the hospital, from the individual doctors, from the radiologists, from the labs,  etc. Then the EOBs (Explanation of Benefits) from Medicare and your secondary insurance  company come in.  
The pile gets bigger and bigger and more and more confusing. You are used to paying your bills  in a timely way, but what to pay and what not to pay? Just when you are recuperating from  your illness, the last thing you want to do is face that pile, that confusion, those phone calls to  sort it all out. Some people start paying bills that will eventually be paid by the insurance  companies, or they wait and don’t realize it is time to pay some of the bills.  
Consider asking for help from a family member or friend who likes this kind of detail work.  Alternately, hire a daily money manager/financial organizer who is skilled in dealing with  medical billing and insurance companies.  
6. Letting your picture ID expire 
Solution: Keep IDs current 
“I’m not driving anymore - no need for a driver’s license.” “I am not traveling anymore - no  need for a passport.” Wrong.  
Banks require two forms of picture ID to open accounts, to reactivate accounts, to confirm that  the old signature in their files belongs to the same person whose signature has changed over  the years.  
We have had too many clients who did not have the necessary ID and they did not have the  energy, desire, or ability to go to the Department of Motor Vehicles for a non-driver’s ID; nor  did they have the documentation required to submit proof of identity to get a passport. Hold  on to your photo IDs and get them renewed regularly. If they have expired, take the time NOW  to get new photo IDs. 
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7. Not creating a budget to fit your lower level of fixed retirement income after years of  living on a higher salaried income  
Solution: Work with a financial planner to develop a budget  
You have worked all your life and you have done well. You own your city home and your  country home; you have a nice investment portfolio and a good pension along with the top  level of income from Social Security.  
But now that you are retired, the income is fixed income and it is not what you were making  when you worked. It is time to develop a budget to fit your income and be sure to include in  that budget the cost of long term illness if you do not have long term care insurance. Be sure to  see a financial planner to help you come up with the best plan.  
8. Doing a fabulous job of investing, but keeping it all in certificate form and handling a  multitude of dividend checks  
Solution: Move your investments to an investment management firm  
Some seniors have over the years invested on their own, little by little, in excellent stocks. A  number of them now have portfolios worth over $500,000. Stock certificates may be in a safe  deposit box at the bank, or in less secure places like shoe boxes, piles on tables, or file drawers.  Often outdated, uncashed dividend checks are in among other papers. Careful tracking of cost  basis, stock splits, mergers and incoming dividends, which gave enjoyment in the past, may now  cause seniors to feel overwhelmed. This can happen to people with small or large portfolios.  
Before the confusion happens, we encourage everyone to document what you own, find a  reputable investment management firm, and take all your stock certificates and bonds to the  firm. If this is already too much of a challenge, get a family member or daily money  manager/financial organizer to assist you.  
From now on you will get one monthly statement, the dividends will be deposited directly into  your investment account and when you need money, it can be transferred into your checking  account. If you don’t need the money, the dividends can be reinvested to earn you additional 
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income. At the end of the year, you will receive one IRS Form1099 which you can take to your  accountant for taxes - no more collecting 1099s from every company with which you hold  stock. In addition, life will be much easier for your power of attorney, should you need one,  and eventually your executor.  
9. Not filing taxes for several years due to illness or feeling overwhelmed by the paperwork Solution: Ask for help from a friend or hire a Daily Money Manager/Financial Organizer  
Preparing financial records for your accountant is rarely anyone’s idea of fun. Imagine not  getting around to it year after year and the IRS and State are putting liens on your bank  accounts.  
At some point you need to pull together your documents and get them to an accountant who  can negotiate a deal on your behalf regarding penalties and interest.  
In order to do this, you may need to have a family member, a friend, or a daily money  manager/financial organizer come into your home to sort through your papers. Back tax  returns can be filed, but it will probably require asking for help. Don’t put it off any longer.  
10. High net worth individuals making large purchases through accounts without transferring  sufficient funds to cover the purchases, causing problems  
Solution: Ask for help from a friend or hire a daily money manager  
Once you could maintain a general idea of how much was in your checking account. Now, even  though you are able to have full blown intellectual conversations, finances are becoming more  difficult.  
It is time to hand over the balancing and reconciling of the checkbook to a family member or a  daily money manager/financial organizer. Be sure to inform your new “financial assistant” of  large purchases in sufficient time to get a transfer made to the checking account. 
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In summary, it pays to take care of these important documents, financial and legal matters and  get yours or your parent’s affairs in order before there is a health crisis. It will bring peace of  mind knowing you can find documents, bills are paid, and your parents are secure.  
Having your papers accessible and up to date is the best way to prepare for your senior years,  and take the burden off of your children and family members.  
Thank you to Marcie G. Roth, Esq., an elder law attorney and partner of Singer, Block, Matles &  Roth, for her editing and suggestions in the legal sections.  
© 2014 Eddy & Schein, Inc., all rights reserved Eddy & Schein In-Home Administrators for Seniors™NEW YORK

Adele Tusson-Gross
Owner/CEO
Simple Solution Organizing LLC
706-714-1314

January is a time to put our lives into perspective. Many people ponder about making changes to improve their lives. Some of the top Resolutions are losing weight by going on a diet and/or starting an exercise regime, getting a better handle on finances: resolving to spend less and save more, and to get organized. Unfortunately, most of these good intentions will not be successful endeavors. An action plan is imperative to keep yourself on track. Research proves that having a plan helps. Specific measurable tasks can help you achieve your goals.
 
Want some ideas that you can incorporate into your life for 2021? I came across this online article on Good Housekeeping, it’s really good. “55+ Achievable New Year’s Resolutions for Healthier and Happier Living” It lists important resolutions that you might not think of like getting more sleep and cooking 1 new dish each week (our family has been doing this for a couple years). We probably did a new dish 2 to 3 times a month. It’s fun to try new recipes.
 
We enjoy trying new recipes so much that we enrolled in several different Meal Kit Delivery Services. We have tried Sun Basket, Hello Fresh and Blue Apron. We are learning about different spices and cooking techniques. Most of these services give discounts to new subscribers.
 
Dr. Ivor Benjamin, director of the Cardiovascular Center and professor of medicine at the Medical College of Wisconsin in Milwaukee. Dr. Benjamin, a Cardiologist, tells his patients “Remember to look for progress not perfection.” Making small improvements and being realistic with yourself is key.

Melissa Kirsch, New York Times Journalist, article entitled “Make Tinier New Year’s Resolutions This Year”. "For 2021, why not go gentle on the resolutions, keeping in mind that your nerves might be frayed, your zest for a life overhaul a bit depleted? Just as, earlier in the pandemic, I suggested making tiny changes in your day in order to create a routine instead of adopting a rigid schedule, you might look at resolutions as ways to tinker with your habits, not to totally replace them."
 
I will share my Resolution (Intention) with you. I want to Meditate on a regular basis. I downloaded an App: Calm. I paid $70 for the year. I will be much more likely to Meditate now since I paid for it. Money is a big motivator. I want to be less stressed and more mindful in 2021.

Gift Card Tip:
Create a digital folder in your e-mail inbox titled “gifts”. Move emails that have gift cards or gift certificates into this folder. I also recommend creating a reminder to redeem them in your calendar.
​
Surviving 2020:

• Pets
• Family & Friends (Socializing via Zoom or in-person outside)
• Spotify
• Netflix
• Exercise
• Spending time outdoors
• Embracing Down Time
• Gratitude Journal
• Seasonal Affective Light
• Virtual Church
• Work
• Working on a Project or Hobby

Adele Gross
Owner/CEO
Simple Solution Organizing LLC

​Smart Kitchen Organizing for the Holidays 
With Thanksgiving coming up, keeping your kitchen organized is a must! On top of looking nicer, an organized kitchen makes everything easier to find when you get down to cooking. Here are a few tips that can help you reorganize your kitchen for Thanksgiving Day and all the upcoming holidays.
 
Tip 1: Know Your Essential Cooking Items
 
My first tip is to know what needs to be in your kitchen to cook a delicious meal! With all of the interesting gadgets available for your kitchen, it’s important to understand that sometimes less is more. Downsizing can make your life easier because no one wants to be sifting through a pile of junk to get to the knife you use all the time anyway.
 
I like to follow Jamie Oliver’s (from The Naked Chef) recommendations in his book Cook with Jaimie: My Guide to Making You a Better Cook (p. 14). One of the basic essentials Oliver recommends is nesting mixing bowls in various sizes. I use them all the time.
 
Here are additional sources for more ideas:

• https://www.tasteofhome.com/collection/essential-kitchen-tools/
• https://www.bonappetit.com/story/10-essential-kitchen-tools-beginner-cooks

 
Tip 2: Group Similar Items
 
My next tip is to group kitchen tools by their uses and to place them near each other. These groupings can be sorted in any way that makes sense to you, but some examples of what I like to do is to group all of my knives together or to group my wooden spoons together. If you’re looking for more ideas, check out these websites for more:
 

• https://www.theorderexpert.com/organize-kitchen-utensils/#:~:text=As%20a%20very%20basic%20example,mainly%20on%20stove%20top%20burners.
• https://www.realsimple.com/home-organizing/organizing/organizing-kitchen/smart-ideas-kitchen

 
Tip 3: Keep the Items in Easy-to-Use Areas
 
My final tip is to keep those grouped items in easy-to-use spots. Doing this will eliminate the time of searching for what you need when you need it! When I was organizing my daughter Jessica’s kitchen in June, a couple of ideas I used were to put all of the coffee mugs and supplies near the coffee maker (there’s nothing worse than looking for a coffee filter before your first cup!) and organized all of her pots and pans in the lower cabinets near her stove.
 
Items you don’t use often can be stored up high. You probably have some holiday dishes and platters to get down from up high or maybe they are stored in a basement closet. Go ahead and donate holiday dishes that you are not fond of anymore. Don’t save them for another year or more.
 
That’s it for my November Tip! Hopefully you find them useful and until next time. An Organized kitchen is a smart kitchen.
 
Adele Gross
Simple Solutions Organizing LLC
Adele@simplesolutionsorganizing.com
706-714-1314

​Downsizing and Professional Organizing Here are some photos of some Simple Solution Organizing LLC most recent project to motivate you to let go. When we let go of stuff we don't need anymore and items we rarely use we open our space for items we do need. It's also nice to have open spaces without anything on them. Cutter free shelves with just a few items are peaceful shelves.

Call us when you are ready to get rid of stuff...we can help.

Adele Tusson-Gross
706-714-1314
Adele@simplesolutionorganizing.com

Downsizing Client:
Before photo has my Assistant Dorothy. The garage/storage room had shelving units in the center which made it very difficult to maneuver. After an open space with items stored on the perimeter. 

Her house is going on the market this week. She is very happy to have gone through all of her items BEFORE moving them to her new home. She donated a lot and Simple Solution Organizing is having a MaxSold online Auction to sell the rest. 

We make things happen. We say yes! It is possible to downsize from a 4 bedroom 2.5 bath to a 2 bedroom 1 bath. If that is your goal and your dream then Simple Solution Organizing LLC will help you get there.